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Schumann Insights, Blog Post

Social security contributions are skyrocketing: How rising contributions are jeopardising Germany's competitiveness

Rising social security contribution

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?

Schumann Insights, Videos

Consequences of Global Dependencies on Products and Services for the German Economy

Consequences of global dependencies on products and services for the German economy

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.

Blog Post

Supply Chain Finance – Managing Opportunities and Risks

Supply Chain Finance Managing Opportunities and Risks

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.

Blog Post

Connecting Credit Risks with Liquidity Planning

Combining credit risks and liquidity planning

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.

Schumann Insights, Videos

Insolvency Trends in Germany and the Financial Damage

Insolvency trends in Germany and the financial damage

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.

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