| id | Survey Question | characteristic1 | characteristic2 and etc |
| 1 | d2 How would you characterise your enterprise? | an autonomous profit-oriented enterprise, making independent financial decisions | a non-profit enterprise |
| 10 | d2a. In which country is the parent company of your enterprise located? | the same country | different country in the Euro Area |
| 20 | d1. How many people does your enterprise currently employ either full or part time in at all its locations? | 1-9 employees | 10-49 employees |
| 28 | d3 What is the main activity of your enterprise? | industry | construction |
| 36 | d6 Who owns the largest stake in your enterprise? | public shareholders, as your enterprise is listed on the stock market | family or entrepreneurs (more than one owner) |
| 47 | d4 What was the annual turnover of your enterprise in 2019? | up to ? 500,000 | more than ? 500,000 and up to ?1 million |
| 58 | d7 What percentage of your company?s total turnover in 2019 is accounted for by exports of goods and services? | 0% - no export of goods and services | less than 25% |
| 67 | d5 In which year was your enterprise first registered? (recoded to age of the enterprise) | < 2 years | 2 years -< 5 years |
| 86 | q0 What is currently the most important problem your firm is facing? | finding customers | competition |
| 97 | q2a. Have the following company indicators decreased, remained unchanged or increased over the past 6 months? Turnover | increased | remained unchanged |
| 106 | q2b. Have the following company indicators decreased, remained unchanged or increased over the past 6 months? Labour cost (including social contributions) | increased | remained unchanged |
| 115 | q2c. Have the following company indicators decreased, remained unchanged or increased over the past 6 months? Other cost (materials, energy, other) | increased | remained unchanged |
| 124 | q2d. Have the following company indicators decreased, remained unchanged or increased over the past 6 months? Interest expenses (what your company pays in interest for its debt) | increased | remained unchanged |
| 134 | q2e. Have the following company indicators decreased, remained unchanged or increased over the past 6 months? Profit (net income after taxes) | increased | remained unchanged |
| 143 | q2g. Have the following company indicators decreased, remained unchanged or increased over the past 6 months? Fixed investment (investment in property, plant, machinery or equipment) | increased | remained unchanged |
| 152 | q2h. Have the following company indicators decreased, remained unchanged or increased over the past 6 months? Inventories and other working capital | increased | remained unchanged |
| 161 | q2i. Have the following company indicators decreased, remained unchanged or increased over the past 6 months? Number of employees | increased | remained unchanged |
| 170 | q2j. Have the following company indicators decreased, remained unchanged or increased over the past 6 months? Debt compared to assets | increased | remained unchanged |
| 180 | q4a. Retained earnings or sale of assets (Internal funds) - Are the following sources of financing relevant to your firm, that is, have you used them in the past or considered using them in the future? | yes, this source is relevant to my enterprise | no, this source is not relevant to my enterprise |
| 187 | q4b. Grants or subsidised bank loan - Are the following sources of financing relevant to your firm, that is, have you used them in the past or considered using them in the future? | yes, this source is relevant to my enterprise | no, this source is not relevant to my enterprise |
| 194 | q4c. Credit line, bank overdraft or credit cards overdraft - Are the following sources of financing relevant to your firm, that is, have you used them in the past or considered using them in the future? | yes, this source is relevant to my enterprise | no, this source is not relevant to my enterprise |
| 201 | q4d. Bank loan (excluding subsidised bank loans, overdrafts and credit lines) - Are the following sources of financing relevant to your firm, that is, have you used them in the past or considered using them in the future? | yes, this source is relevant to my enterprise | no, this source is not relevant to my enterprise |
| 208 | q4e. Trade credit - Are the following sources of financing relevant to your firm, that is, have you used them in the past or considered using them in the future? | yes, this source is relevant to my enterprise | no, this source is not relevant to my enterprise |
| 215 | q4f. Other loan - Are the following sources of financing relevant to your firm, that is, have you used them in the past or considered using them in the future? | yes, this source is relevant to my enterprise | no, this source is not relevant to my enterprise |
| 222 | q4h. Debt securities - Are the following sources of financing relevant to your firm, that is, have you used them in the past or considered using them in the future? | yes, this source is relevant to my enterprise | no, this source is not relevant to my enterprise |
| 229 | q4j. Equity capital - Are the following sources of financing relevant to your firm, that is, have you used them in the past or considered using them in the future? | yes, this source is relevant to my enterprise | no, this source is not relevant to my enterprise |
| 236 | q4m. Leasing or hire-purchase - Are the following sources of financing relevant to your firm, that is, have you used them in the past or considered using them in the future? | yes, this source is relevant to my enterprise | no, this source is not relevant to my enterprise |
| 243 | q4r. Factoring - Are the following sources of financing relevant to your firm, that is, have you used them in the past or considered using them in the future? | yes, this source is relevant to my enterprise | no, this source is not relevant to my enterprise |
| 250 | q4p. Other sources of financing - Are the following sources of financing relevant to your firm, that is, have you used them in the past or considered using them in the future? | yes, this source is relevant to my enterprise | no, this source is not relevant to my enterprise |
| 257 | q4a2. Retained earnings or sale of assets (Internal funds) - Have you obtained such sources of financing in the past 6 months? | used in the past 6 months | did not use in the past 6 months |
| 266 | q4b2. Grants or subsidised bank loan - Have you obtained new financing of this type in the past 6 months? | used in the past 6 months | did not use in the past 6 months |
| 275 | q4c2. Credit line, bank overdraft or credit cards overdraft - Have you drawn on such type of credit in the past 6 months? | used in the past 6 months | did not use in the past 6 months |
| 284 | q4d2. Bank loan - Have you taken out a new loan or renewed such a loan in the past 6 months? | used in the past 6 months | did not use in the past 6 months |
| 293 | q4e2. Trade credit - Have you obtained trade credit from your business partners in the past 6 months? | used in the past 6 months | did not use in the past 6 months |
| 302 | q4f2. Other loan - Have you taken out or renewed such a loan in the past 6 months? | used in the past 6 months | did not use in the past 6 months |
| 311 | q4h2. Debt securities - Have you issued any debt in the past 6 months? | used in the past 6 months | did not use in the past 6 months |
| 320 | q4j2. Equity capital - Have you issued equity in the past 6 months? | used in the past 6 months | did not use in the past 6 months |
| 329 | q4m2. Leasing or hire-purchase - Have you obtained new financing of this type in the past six months | used in the past 6 months | did not use in the past 6 months |
| 338 | q4r2. Factoring - Have you used factoring in the past six months | used in the past 6 months | did not use in the past 6 months |
| 347 | q4p2. Other sources of financing - Have you obtained such source of financing in the past six months | used in the past 6 months | did not use in the past 6 months |
| 356 | q32. You mentioned that bank loans are not relevant for your enterprise. What is the most important reason for this? | insufficient collateral or guarantee | interest rates or price too high |
| 368 | q5a. Bank loans (excluding overdraft and credit lines) - For each of the following types of external financing, please indicate if your needs increased, remained unchanged or decreased over the past 6 months? | increased | remained unchanged |
| 378 | q5b. Trade credit- For each of the following types of external financing, please indicate if your needs increased, remained unchanged or decreased over the past 6 months? | increased | remained unchanged |
| 388 | q5c. Equity - For each of the following types of external financing, please indicate if your needs increased, remained unchanged or decreased over the past 6 months? | increased | remained unchanged |
| 398 | q5d. Debt securities issued - For each of the following types of external financing, please indicate if your needs increased, remained unchanged or decreased over the past 6 months? | increased | remained unchanged |
| 408 | q5f. Credit line, bank overdraft or credit cards overdraft - For each of the following types of external financing, please indicate if your needs increased, remained unchanged or decreased over the past 6 months? | increased | remained unchanged |
| 418 | q5g. Leasing or hire-purchase - For each of the following types of external financing, please indicate if your needs increased, remained unchanged or decreased over the past 6 months? | increased | remained unchanged |
| 428 | q5h. Other loan, for example from family and friends, a related enterprise or shareholders, excluding trade credit - For each of the following types of external financing, please indicate if your needs increased, remained unchanged or decreased over the past 6 months? | increased | remained unchanged |
| 438 | Q7aa. Bank loan (excluding overdraft and credit lines) - Have you applied for the following types of financing in the past 6 months? | applied | did not apply because of possible rejection |
| 447 | q7ab. Trade credit - Have you applied for the following types of financing in the past 6 months? | applied | did not apply because of possible rejection |
| 456 | q7ac. Other external financing - Have you applied for the following types of financing in the past 6 months? | applied | did not apply because of possible rejection |
| 465 | q7ad. Credit line, bank overdraft or credit cards overdraft - Have you applied for the following types of financing in the past 6 months? | applied | did not apply because of possible rejection |
| 474 | Q7ba. Bank loan (excluding overdraft and credit lines) - If you applied and tried to negotiate for this type of financing over the past 6 months, what was the outcome? | applied and received everything | applied and received 75% and above |
| 485 | q7bb. Trade credit - If you applied and tried to negotiate for this type of financing over the past 6 months, did you: receive all the financing you requested; receive only part of the financing you requested; refuse to proceed because of unacceptable costs or terms and conditions; or have you not received anything at all? | applied and received everything | applied and received 75% and above |
| 496 | q7bc. Other external financing - If you applied and tried to negotiate for this type of financing over the past 6 months, what was the outcome? | applied and received everything | applied and received 75% and above |
| 507 | q7bd. Credit line, bank overdraft or credit cards overdraft - If you applied and tried to negotiate for this type of financing over the past 6 months, what was the outcome? | applied and received everything | applied and received 75% and above |
| 518 | q8a. What is the size of the last bank loan that your enterprise obtained/renegotiated/attempted to obtain in the past 6 months? | < ? 25,000 | ? 25,000 - 100,000 |
| 534 | q6a1. Investments in property, plant or equipment (fixed investment) - For what purpose was external financing used by your enterprise during the past 6 months? | selected | not selected |
| 541 | q6a2. Inventory and other working capital - For what purpose was external financing used by your enterprise during the past 6 months? | selected | not selected |
| 548 | q6a3. Hiring and training of employees- For what purpose was external financing used by your enterprise during the past 6 months? | selected | not selected |
| 555 | q6a4. Developing and launching of new products or services - For what purpose was external financing used by your enterprise during the past 6 months? | selected | not selected |
| 562 | q6a5. Refinancing or paying off obligations - For what purpose was external financing used by your enterprise during the past 6 months? | selected | not selected |
| 569 | q6a6. Other - For what purpose was external financing used by your enterprise during the past 6 months? | selected | not selected |
| 576 | q11a. General economic outlook, insofar as it affects the availability of external financing - For each of the following factors, would you say that they have improved, remained unchanged or deteriorated over the past 6 months? | improved | remained unchanged |
| 585 | q11b. Access to public financial support, including guarantees - For each of the following factors, would you say that they have improved, remained unchanged or deteriorated over the past 6 months? | improved | remained unchanged |
| 595 | q11c. Your enterprise-specific outlook with respect to your sales and profitability or business plan - For each of the following factors, would you say that they have improved, remained unchanged or deteriorated over the past 6 months? | improved | remained unchanged |
| 604 | q11d. Your enterprise?s own capital - For each of the following factors, would you say that they have improved, remained unchanged or deteriorated over the past 6 months? | improved | remained unchanged |
| 613 | q11e. Your enterprise?s credit history - For each of the following factors, would you say that they have improved, remained unchanged or deteriorated over the past 6 months? | improved | remained unchanged |
| 623 | q11f. Willingness of banks to provide credit to your enterprise - For each of the following factors, would you say that they have improved, remained unchanged or deteriorated over the past 6 months? | improved | remained unchanged |
| 633 | q11g. Willingness of business partners to provide trade credit - For each of the following factors, would you say that they have improved, remained unchanged or deteriorated over the past 6 months? | improved | remained unchanged |
| 643 | q11h. Willingness of investors to invest in your enterprise - For each of the following factors, would you say that they have improved, remained unchanged or deteriorated over the past 6 months? | improved | remained unchanged |
| 653 | q9a. Bank loans (excluding overdraft and credit lines) - For each of the following types of financing, would you say that their availability has improved, remained unchanged or deteriorated for your enterprise over the past 6 months? | improved | remained unchanged |
| 663 | q9b. Trade credit - For each of the following types of financing, would you say that their availability has improved, remained unchanged or deteriorated for your enterprise over the past 6 months? | improved | remained unchanged |
| 673 | q9c. Equity capital - For each of the following types of financing, would you say that their availability has improved, remained unchanged or deteriorated for your enterprise over the past 6 months? | improved | remained unchanged |
| 683 | q9d. Debt securities issued - For each of the following types of financing, would you say that their availability has improved, remained unchanged or deteriorated for your enterprise over the past 6 months? | improved | remained unchanged |
| 693 | q9f. Credit line, bank overdraft or credit cards overdraft - For each of the following types of financing, would you say that their availability has improved, remained unchanged or deteriorated for your enterprise over the past 6 months? | improved | remained unchanged |
| 703 | q9g. Leasing or hire-purchase - For each of the following types of financing, would you say that their availability has improved, remained unchanged or deteriorated for your enterprise over the past 6 months? | improved | remained unchanged |
| 713 | Q9h. Other loan - For each of the following types of financing, would you say that their availability has improved, remained unchanged or deteriorated for your enterprise over the past 6 months? | improved | remained unchanged |
| 723 | q10a. Level of interest rates - We will turn now to the terms and conditions of bank financing, such as bank loans, overdrafts and credit lines. Please indicate whether the following items increased, remained unchanged or decreased in the past 6 months? | increased | remained unchanged |
| 732 | q10b. Level of the cost of financing other than interest rates, such as charges, fees, commissions -We will turn now to the terms and conditions of bank financing, such as bank loans, overdrafts and credit lines. Please indicate whether the following items increased, remained unchanged or decreased in the past 6 months? | increased | remained unchanged |
| 741 | q10c. Available size of loan or credit line - We will turn now to the terms and conditions of bank financing, such as bank loans, overdrafts and credit lines. Please indicate whether the following items increased, remained unchanged or decreased in the past 6 months? | increased | remained unchanged |
| 750 | q10d. Available maturity of the loan - We will turn now to the terms and conditions of bank financing, such as bank loans, overdrafts and credit lines. Please indicate whether the following items increased, remained unchanged or decreased in the past 6 months? | increased | remained unchanged |
| 759 | q10e. Collateral requirements - We will turn now to the terms and conditions of bank financing, such as bank loans, overdrafts and credit lines. Please indicate whether the following items increased, remained unchanged or decreased in the past 6 months? | increased | remained unchanged |
| 768 | q10f. Other, for example, required guarantees, information requirements, procedures, time required for loan approval, loan covenants - We will turn now to the terms and conditions of bank financing, such as bank loans, overdrafts and credit lines. Please indicate whether the following items increased, remained unchanged or decreased in the past 6 months? | increased | remained unchanged |
| 777 | q23a. Retained earnings or sale of assets (Internal funds) - Looking ahead, for each of the following types of financing available to your enterprise, could you please indicate whether you think their availability will improve, deteriorate or remain unchanged over the next 6 months? | will improve | will remain unchanged |
| 787 | q23b. Bank loans (excluding overdraft and credit lines) - Looking ahead, for each of the following types of financing available to your enterprise, could you please indicate whether you think their availability will improve, deteriorate or remain unchanged over the next 6 months? | will improve | will remain unchanged |
| 797 | q23c. Equity capital - Looking ahead, for each of the following types of financing available to your enterprise, could you please indicate whether you think their availability will improve, deteriorate or remain unchanged over the next 6 months? | will improve | will remain unchanged |
| 807 | q23d. Trade credit - Looking ahead, for each of the following types of financing available to your enterprise, could you please indicate whether you think their availability will improve, deteriorate or remain unchanged over the next 6 months? | will improve | will remain unchanged |
| 817 | q23e. Debt securities issued - Looking ahead, for each of the following types of financing available to your enterprise, could you please indicate whether you think their availability will improve, deteriorate or remain unchanged over the next 6 months? | will improve | will remain unchanged |
| 827 | q23i. Leasing or hire-purchase - Looking ahead, for each of the following types of financing available to your enterprise, could you please indicate whether you think their availability will improve, deteriorate or remain unchanged over the next 6 months? | will improve | will remain unchanged |
| 837 | q23j. Other loan, for example from family and friends, a related enterprise or shareholders, excluding trade credit - Looking ahead, for each of the following types of financing available to your enterprise, could you please indicate whether you think their availability will improve, deteriorate or remain unchanged over the next 6 months? | will improve | will remain unchanged |
| 847 | q23g. Credit line, bank overdraft or credit cards overdraft - Looking ahead, for each of the following types of financing available to your enterprise, could you please indicate whether you think their availability will improve, deteriorate or remain unchanged over the next 6 months? | will improve | will remain unchanged |
| 857 | q1a During the past 12 months have you introduced...? a new or significantly improved product or service to the market | yes | no |
| 864 | q1b During the past 12 months have you introduced...? a new or significantly improved production process or method | yes | no |
| 871 | q1c During the past 12 months have you introduced...? a new organisation of management | yes | no |
| 878 | q1d During the past 12 months have you introduced...? a new way of selling your goods or services | yes | no |
| 885 | q16a. Over the past three years (2017-2019), how much did your enterprise grow on average per year in terms of employment regarding the number of full-time or full-time equivalent employees? | over 20% per year | less than 20% per year |
| 895 | q16b. Over the past three years (2017-2019), how much did your enterprise grow on average per year in terms of turnover? | over 20% per year | less than 20% per year |
| 905 | q17 Considering the turnover over the next two to three years (2020-2022), how much does your enterprise expect to grow per year? | grow substantially - over 20% per year in terms of turnover | grow moderately - below 20% per year in terms of turnover |
| 914 | q19a. Do you feel confident talking about financing with banks and that you will obtain the desired results? | yes | no |
| 922 | q19b. Do you feel confident talking about financing with equity investors/venture capital enterprises and that you will obtain the desired results? | yes | no |
| 930 | q20 If you need external financing to realise your growth ambitions, what type of external financing would you prefer most? | bank loan | loan from other sources |
| 939 | q21 If you need external financing to realise your growth ambitions, what amount of financing would you aim to obtain? | < ? 25,000 | ? 25,000 - 100,000 |
| 949 | q22 What do you see as the most important limiting factor to get this financing? | insufficient collateral or guarantee | interest rates or price too high |
| 962 | QA1a1.To which markets did your company export goods or services in 2019? Did you export to a country in Europe? Euro area | yes | no |
| 969 | QA1a2.To which markets did your company export goods or services in 2019? Did you export to a country in Europe? Rest of European Union | yes | no |
| 976 | QA1a3.To which markets did your company export goods or services in 2019? Did you export to a country in Europe? European countries outside the European Union including Russia | yes | no |
| 983 | QA1a10.To which markets did your company export goods or services in 2019? Did you export to a country in Europe? The United Kingdom | yes | no |
| 990 | QA1b.To which markets did your company export goods or services in 2019? Did you export to markets outside of Europe? | yes | no |
| 997 | QA1c4.To which markets did your company export goods or services in 2019? Did you export to markets outside of Europe? North America (The United States or Canada) | yes | no |
| 1004 | QA1c5.To which markets did your company export goods or services in 2019? Did you export to markets outside of Europe? Latin America and the Caribbean | yes | no |
| 1011 | QA1c6.To which markets did your company export goods or services in 2019? Did you export to markets outside of Europe? China | yes | no |
| 1018 | QA1c7.To which markets did your company export goods or services in 2019? Did you export to markets outside of Europe? Rest of Asia and the Pacific | yes | no |
| 1025 | QA1c8.To which markets did your company export goods or services in 2019? Did you export to markets outside of Europe? Middle East and North Africa | yes | no |
| 1032 | QA1c9.To which markets did your company export goods or services in 2019? Did you export to markets outside of Europe? Rest of Africa | yes | no |
| 1039 | QA2. Has your company experienced problems due to late payments from any private or public entities in the past six months? | yes regularly | yes occasionally |
| 1047 | QA3 1. What were the consequences of those late payments? It affected payments to suppliers | yes | no |
| 1054 | QA3 2. What were the consequences of those late payments? It affected investments or new recruitment | yes | no |
| 1061 | QA3 3. What were the consequences of those late payments? It delayed repayments of loans or we had to use additional financing | yes | no |
| 1068 | QA3 4. What were the consequences of those late payments? It affected production or operations | yes | no |
| 1075 | Q26. Looking ahead, please indicate whether you think your company?s turnover will increase, decrease or remain unchanged over the next six months. | will increase | will remain unchanged |
| 1083 | innovativeness | innovative firms | non-innovative firms |
| 1089 | gazelle | gazelle | non gazelle |
| 1095 | high--growth enterprises | high-growth enterprises | non high-growth enterprises |
| 1101 | exporter or non-exporter | exporter | non exporter |
