Internal Market, Industry, Entrepreneurship and SMEs

Data and surveys - SAFE

Data and surveys - SAFE

The European Commission monitors developments in SMEs’ access to finance through the joint European Commission/European Central Bank Survey on the access to finance of enterprises (SAFE).

Survey on the Access to Finance of Enterprises (SAFE)

Since 2008, the European Commission and the European Central Bank (ECB) have collaborated on the  Survey on the Access to Finance of Enterprises (SAFE). 

The Commission published the first survey in 2009. In 2013, it became an annual publication. The SAFE survey covers all EU countries.

Results 2020

Results 2019

Results 2018

Results 2017

Results 2016

Results 2015

Results 2014

Results 2013

Results 2011

Results 2009

European Central Bank SAFE survey

The European Central Bank publishes the SAFE survey every six months. This survey only covers countries in the Eurozone.

Earlier studies and other references

Flash Eurobarometer survey on SME access to finance in EU countries

In 2005 and 2006, the Commission published two Flash Eurobarometer surveys (ad-hoc, thematic telephone interviews) on SMEs' access to finance in the EU.

The first survey covered the first 15 EU countries (Belgium, Denmark, Germany, Ireland, Greece, Spain, France, Italy, Luxembourg, the Netherlands, Austria, Portugal, Finland, Sweden and the United Kingdom). 

The second covered the ten EU countries that joined in 2004 (Czech Republic, Estonia, Cyprus, Latvia, Lithuania, Hungary, Malta, Poland, Slovenia and Slovakia).

The same questionnaire was used for both surveys.

Other data on SMEs