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Internal Market, Industry, Entrepreneurship and SMEs

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.

Graph from the Survey on Access to finance (SAFE) Results 2023

Results 2023

Results 2022

Results 2021

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