Country Risk · Southern Europe
Behaviour has improved since the Ley de Morosidad reforms, but B2B delays still cluster in construction, retail and hospitality.
Payment risk
Enforcement difficulty
Currency & transfer risk
Currency
EUR
Avg DSO
55–75 days
Insolvency trend
Rising
Limitation period
5 years
Behaviour has improved since the Ley de Morosidad reforms, but B2B delays still cluster in construction, retail and hospitality.
Proceso monitorio is well-suited to documented invoices under €250k; opposition forces full ordinary proceedings.
Euro, no transfer restrictions, SEPA-native.
DECOL recommendation
Spanish-language burofax then monitorio. Hedge expectations on opposed files — they convert to ordinary litigation.
