Working Capital Hub's Insight Library

Intrum’s European Payment Report 2025 delivers deep insights into business payment behavior across 25 European countries. Key findings include persistent late payments, sweeping risks to SMEs, AI’s emerging role in managing payment delays, and how revenue shortfalls could threaten up to 10 million businesses and 40 million jobs—highlighting urgent imperatives for efficiency and cash flow resilience.

Evaluate your Order-to-Cash process with our free self-assessment tool. Identify gaps, improve efficiency, and optimize working capital.

Discover key working capital metrics & KPIs. Learn formulas, examples, and how to interpret ratios to improve liquidity, efficiency & growth

This article explains Operating Working Capital (OWC) - what it is, how it differs from working capital, and why it matters for cash flow, liquidity, and profitability. You’ll learn the OWC formula, how to evaluate it as a percentage of sales, and the risks of having too much or too little. The article also outlines strategies to optimize inventories, receivables, and payables, helping businesses unlock liquidity, strengthen efficiency, and achieve sustainable growth. - that determine how effectively cash is generated and used in day-to-day activities. Understanding and optimizing OWC helps businesses free up liquidity, improve financial performance, and sustain growth. This article explains what OWC is, how it differs from working capital, and why mastering it is essential for long-term profitability and resilience.

Learn how the Purchase-to-Pay cycle improves working capital, cash flow, and supplier relationships by optimizing procurement, invoicing, and payments

In this article, we’ll explain what working capital is, break down its components, and explore how it influences cash flow, liquidity, and profitability. We’ll also cover why monitoring key working capital metrics and the CCC is essential, and why looking beyond accounting definitions to Operating Working Capital provides a more practical view of business efficiency.

This article explains the Cash Conversion Cycle (CCC) - what it is, how it works, and why it is a critical measure of financial health.

Learn how operating working capital and the cash conversion cycle impact cash flow, liquidity, and profitability—and why profit alone isn’t enough

Evaluate your Forecast-to-Fulfill process with our free self-assessment tool. Identify gaps, improve efficiency, and optimize working capital.