According to analysis conducted by Krediidiinfo AS regarding the payment behaviour of Estonian businesses in the second half of 2011, the number of businesses with debts due to their business partners decreased by 19% and those with tax arrears or with debts due ​​to the state decreased by 15%  - to 3,098 and 5,213, respectively.

Among active businesses, the number of businesses with high credit risk accounts for only 12%, which according to the estimates of Krediidiinfo AS is the lowest figure ever. In 2010, the proportion of such businesses was 24%. The number of businesses with tax arrears and default payments has decreased in almost all economic sectors, but the number of such businesses, however, increased in the field of construction, wholesale and retail trade, and agriculture. Most often, tax arrears are owed by small businesses.

The Krediidiinfo AS survey sample size is 53,777 businesses. The sampled businesses are active and the statistics are based on data from the default payment registry and the Estonian Tax and Customs Board.

According to the survey by the credit management company Intrum Justitia, Estonian businesses have delays in paying their invoices at an average of 15 days or 1 day less than in previous years. As for consumers, delays in paying invoices also decreased by one day (i.e. from 8 to 7). Last year and the year before, Estonian publicly-owned institutions had delays in paying their invoices at an average of 9 days, in 2012 - 10 days.

Within the last year, according to the survey, the payment behaviour of Estonian businesses remained stable, being above the European average. At the beginning of 2012, European businesses had delays in paying their invoices at an average of 20 days.