BeCeFi
National Bank of Belgium (NBB)
Belgian Financial Forum
FPS Economy, SME, Middle Classes and Energy
The Federal Planning Bureau
UNIZO
Federation of Enterprises in Belgium (FEB)
Sociaal-Economische Raad van Vlaanderen (SERV)
European Commission (EC)
Organisation for Economic Co-operation and Development (OECD)
International Monetary Fund (IMF)
Bank for International Settlements
Graydon
Deloitte
Rabobank Groep
Trends
BECEFI
Granted Credit Figures – Self-Employed and Companies
Since October 2008, the BNB has been publishing the figures of credit granted to companies on a monthly basis (quarterly before this date). The CeFiP recompiles these figures per company type, credit type and sector before placing them at your disposal.
The BeCeFi Barometer: Access of Small-Companies to Bank Funding
At the beginning of November 2008, the BeCeFi decided to produce a barometer on small-company access to bank finance. The results are available on our website.
BeCeFi Barometer: Small-Company Access to Bank Finance. Available in French and in Dutch (results of September 2010)
Corporate Credit Mediator
Since February 2009, Mr. Chris Dauw has assumed the duties of Credit Mediator within the BeCeFi. The Credit Mediator function was set up within the framework of the Federal Plan for SMEs, which itself is part the Federal Government's economic revival programme. The Credit Mediator services are accessible to any company, business leader, shopkeeper, craftsman, or professional person who or which is looking for credit but is unable to secure it.
For more information on this service, go to the Credit Mediator's website: www.mediateurducredit.be
BeCeFi Survey On SME Financing
BeCeFi questions companies and the self-employed each year about access to financing and their relations with their banks. This project is always conducted in collaboration with an academic partner, in 2008 this was the Antwerp University's Accounting and financing department.
BeCeFi Survey: SME Financing (2008) (in French or in Dutch)
NATIONAL BANK OF BELGIUM (NBB)
Working group "Credits to enterprises"
Bank Lending Survey
Others indicators
BELGIAN FINANCIAL FORUM
FPS ECONOMY, SME, MIDDLE CLASSES AND ENERGY
FEDERAL OFFICE OF THE PLAN
- Report to the Prime Minister - Effects of the financial crisis on the real economy and priority questions relating to the policy to be conducted in order to limit those effects (October 2008) (in Dutch or in French)
- Consumer Price Index - Inflation Forecasts (07/07/2009) Available in Dutch and in French.
UNIZO
• SME Barometer
UNIZO's SME Barometer is produced every three months and is composed of various partial indicators. A survey among 700 SMEs allows inter alia a picture of the economic situation to be painted (only available in Dutch).
Flemish SME Report
Het KMO-rapport Vlaanderen: De financieel-economische gezondheid van de Vlaamse KMO in beeld (December 2008) - (only available in Dutch)
How are (Flemish) SMEs experiencing the financial crisis? ?
As the previous information shows, the financial crisis is expressed via several macro-economic indicators and the first signs are appearing in the real economy. An on-line survey, conducted at the beginning of October by UNIZO (Flemish Union of the Self-Employed) enables us to look a little further into the question. The purpose of the survey was to probe the perceptions of and the expectations from the financial crisis in respect of 615 Flemish entrepreneurs. 90.2% of the entrepreneurs questioned employ 50 people at most and 50.6% of the people questioned employ 1 to 5 people; the survey therefore enables reliable conclusions to be drawn with regard to SME profiles.
In this survey, 33.3% of the entrepreneurs were temporarily observing a hardening of their bank's credit policy and 66.2% were expecting that, in the short- or long-term, credit would be granted less easily to them.
The survey also questioned the entrepreneurs on the broader impact of the financial crisis on their companies. 54.6% of those questioned thought that the financial crisis was having a negative impact on their businesses and 84.4% were expecting a negative impact in the future, near or not.
Source: UNIZO, Survey of 615 Entrepreneurs , October 2008
FEDERATION OF ENTERPRISES IN BELGIUM (FEB)
VBO, Febelfin, CRiON and BeCeFi keep a finger on the pulse: Normal credit volumes for companies are available. Companies claim that credit conditions continue to tighten up
On July 9th, the second edition of the financial barometer (VBO, Crion, in collaboration with BeCeFi) has been presented. In this second edition, small and medium sized entreprises have again been interrogated. During the press conference, the results of the BeCeFi barometer have been unveiled: acces to bank financing of (very) Small entreprises and the Febelfin figures with regards to credit authorization.
Previous edition:
For further information, consult the BeCeFi's website (Barometer 2008/1 in Dutch or in French) and the FEB's websites.
"Focus on the economic situation: Exceptional circumstances require an exceptional approach" (in Dutch / in French) (11/06/2009)
SOCIAAL-ECONOMISCHE RAAD VAN VLAANDEREN (SERV)
Impact van de financiële en economische crisis op Vlaanderen en België - (only available in Dutch)
EUROPEAN COMMISSION (EC)
Economic Forecast autumn 2008: growth comes to a standstill in the wake of the financial crisis
This section provides a country-by-country overview as well as a complete report.
ORGANISATION FOR ECONOMIC CO-OPERATION AND DEVELOPMENT (OECD)
INTERNATIONAL MONETARY FUND (IMF)
Finance & Development: A quarterly magazine of the IMF
Interesting Finance & Development Publications:
BANK FOR INTERNATIONAL SETTLEMENTS
GRAYDON
Graydon Business Academy – Studies
On this website, you will find an overview of the publications that Graydon makes available to the public. You will find in particular there corporate bankruptcy and payment behaviour figures. This data is interesting for monitoring the crisis and its effects in the real economy.
DELOITTE
On 26 November 2008 Deloitte Fiduciaire published the results of her yearly SME Compass for the fourth time in a row. The "SME Compass 2008 - 10 financial keys to steer your enterprise" (in Dutch and in French) relies on the financial data of the year 2007 of more than 2,300 enterprises. At the moment, 75% of the Belgian SMEs appears to be well protected against the consequences of the financial crisis. On the other hand a quarter of the Belgian SMEs finds oneself already in an unsecure position.
Source:
Deloitte Fiduciaire maakt resultaten bekend van haar "KMO Kompas 2008 - 10 financiële sleutels om uw onderneming te sturen" (26/11/2008)
Deloitte Fiduciaire publie les résultats de son "Baromètre pour les PME 2008 - 10 indicateurs financiers pour guider votre entreprise" (26/11/2008)
RABOBANK GROEP
De subprime kredietcrisis (April 2008) - only available in Dutch
TRENDS
Trends Top 30.000 - Press release edition 2009 (in Dutch / in French)
