SCHUMANN Blog

Rising social security contributions are no longer just a problem for employees – they are hitting companies just as hard. By 2025, total social security contributions in Germany will already exceed 40% of gross wages – and the trend is set to continue. Forecasts indicate figures of over 46% by 2035. But what does this mean in concrete terms for the competitiveness of German companies?

Germany's economy is heavily dependent on global supply chains – whether for energy, rare earths, chips, cloud services or medicines. The current crises show how risky unilateral dependencies can be and how urgently Germany needs its own production capacities in key technologies. Those who identify risks early on and diversify not only strengthen their competitiveness but also their strategic independence.

In times of global uncertainty, disrupted supply chains and increasing financing costs, one theme is becoming increasingly important: supply chain finance (SCF). This article describes how companies can successfully implement supply chain finance, utilize opportunities and control risks.

In times of economic uncertainty, considering credit risks in liquidity planning is a decisive factor for the success of companies. Find out how integrated processes can help you avoid liquidity bottlenecks and secure your solvency in the long term.

The number of corporate insolvencies in Germany will rise in 2025 to a level last seen over ten years ago – and the financial damage will reach almost historic record levels. Particularly large insolvencies are putting pressure on entire supply chains, while numerous companies in key sectors such as automotive, construction and retail are fighting for survival.