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ACCESS TO FINANCE IN THE V4 (2026)

INTRODUCTION

We invite you to participate in the development of our report "Access to Finance in the V4 (2026)". Our objective is clear: to examine how small and medium-sized enterprises (SMEs) finance their operations and, more importantly, their growth. While SMEs form the backbone of EU's economy (1), relevant stakeholders often undervalue their contributions. We observe a significant disparity: the favorable terms and conditions afforded to corporations are often inaccessible to SMEs, creating an uneven playing field. Furthermore, while startups are frequently championed as the primary engine for economic renewal across the EU, the reality is that nearly 90% of startups fail (2). In comparison, 45% of SMEs survive their first five years of operations (3).

SURVEY

PART 1: ENTERPRISE DETAILS

01. WHERE IS THE HEADQUARTERS OF YOUR ENTERPRISE?
02. HOW MANY FULL-TIME EMPLOYEES WORK AT YOUR COMPANY?
03. WHAT WAS THE ANNUAL TURNOVER OF YOUR ENTERPRISE IN 2025?

PART 2: CAPITAL EXPENDITURES (CAPEX)

THE TERM "CAPEX" REFERS TO INVESTMENTS A COMPANY MAKES IN ORDER TO ACQUIRE, IMPROVE OR MAINTAIN LONG-TERM ASSETS SUCH AS BUILDINGS, LAND, MACHINERY OR EQUIPMENT.
04. WHICH OF THE FOLLOWING CURRENTLY REPRESENTS THE MOST SIGNIFICANT SOURCE OF CAPITAL OF INVESTMENTS FOR YOUR ENTERPRISE?
05. WHICH OF THE FOLLOWING CURRENTLY REPRESENTS THE MOST SIGNIFICANT SOURCE OF FINANCING OF DAY-TO-DAY OPERATIONS FOR YOUR ENTERPRISE?
05. WHICH OF THE FOLLOWING CURRENTLY REPRESENTS THE MOST SIGNIFICANT SOURCE OF FINANCING OF DAY-TO-DAY OPERATIONS FOR YOUR ENTERPRISE? (copy)

PART 3: OPERATIONAL EXPENDITURES (OPEX)

THE TERM "OPEX" REFERS TO THE GENERAL OPERATING EXPENSES ASSOCIATED WITH THE DAY-TO-DAY OPERATIONS OF THE BUSINESS SUCH AS RENT, SALARIES, UTILITIES, MARKETING AND SALES, OFFICE SUPPLIES, AND OTHER SIMILAR COSTS.

SOURCES

(1): European Commission, Directorate-General for Internal Market, Industry, Entrepreneurship and SMEs. (2025). Annual report on European SMEs 2024/2025: SME performance review 2024/2025. Publications Office of the European Union. https://data.europa.eu/doi/10.2760/7714438

(2): Marmer, M., Herrmann, B., Dogtown, V., & Berman, R. (2011). Startup Genome Report Extra: Premature Scaling. Startup Genome LLC.

(3): Eurostat. (2022, November 29). Business dynamics - Key figures on European business. Statistics Explained. https://ec.europa.eu/eurostat/cache/htmlpub/key-figures-on-european-business-2022/business_dynamics.html