GESIS - DBK - ZA4423

ZA4423: Flash Eurobarometer 174 (Small and Medium-sized Enterprises Access to Finance)

Downloads and Data Access

On this page you find the complete metadata and an overview of all available data sets and documents for the requested study. The download of all files is possible from our central search page under the following link:
ZA4423 Downloads and Data Access

List of Files

List of Files


  • ZA4423.dta (Dataset Stata) 325 KBytes
  • ZA4423.por (Dataset SPSS Portable) 586 KBytes
  • ZA4423.sav (Dataset SPSS) 374 KBytes


  • ZA4423_bq_en.pdf (Questionnaire) 70 KBytes

Other Documents

  • ZA4423_readme.pdf (Other Document) 21 KBytes
Availability Availability 0 - Data and documents are released for everybody.
Download of Data and Documents Download of Data and Documents All downloads from this catalogue are free of charge. Data-sets available under access categories B and C must be ordered via the shopping cart with a few exceptions. Charges apply! Please respect our Terms of use.

Bibliographic Citation

Citation Citation European Commission (2006): Flash Eurobarometer 174 (Small and Medium-sized Enterprises Access to Finance). GESIS Data Archive, Cologne. ZA4423 Data file Version 1.0.0,
Study No.ZA4423
TitleFlash Eurobarometer 174 (Small and Medium-sized Enterprises Access to Finance)
Current Version1.0.0, 2010-4-13, (Publication Year 2006)
Date of Collection05.09.2005 - 19.09.2005
Principal Investigator/ Authoring Entity, Institution
  • Papacostas, Antonis - European Commision, Brussels DG Communication, Public Opinion Analysis Sector


AbstractAccess to finance of small and medium enterprises. Topics: development of the following indicators in the last six months: turnover, profit, profit margin, level of debt, cash flow, investment, level of exports, research and development, market share; existence of a development plan for the next three years; most important element to ensure the company’s development: better qualified people on the market, social and fiscal regulations more suited to the sector of activity, greater production capacity, easy access to means of financing, stricter regulation regarding competition from outside the EU, advice and support service for the development of the company; use of selected types of financing in the past: overdraft, leasing or renting, discount or factoring, increase in capital dedicated to venture capital funds or to private individuals, loans shorter or longer than a 3-year term, public subsidies; approximate amount of last loan; recent request for a loan less than 25000 €; needs to be met by this loan; assessment of the difficulties to obtain a loan less than 25000 € compared to other forms of company’s financing; most important elements to resort a loan less than 25000 €: lower interest rates, simpler procedures for granting loans, less demanding on guarantee requirements, shorter delays for granting loans; assessment of the current financing of the company as sufficient; institutions contacted to obtain financing: banks, public institutions, private financing companies, leasing or renting companies, venture capital companies, private investors; expectations regarding the increase of the company’s capital within the next years; measures to increase the company’s capital: opening-up capital to private individual investors or to venture capital companies, management buy-out, going on the stock exchange, opening-up capital to the company’s employees; assessment of the access to bank loans as easy; assessment of the development of the impediments to access bank loans compared to a few years ago; reasons that impede obtaining a bank loan compared to a few years ago: interest rates are too high, banks request too much information, loan granting procedures are too long, administrative side of the loan application is very demanding; approval of the following statements: loan is needed to conclude projects, unsuitable offers from banks, risk-averseness of banks, banker understands specifics of the company’s sector, banker sufficiently supports the company in terms of its financing; assessment how the company’s needs regarding financial management are met internally; preferred sources of information on financing. Demography: information about the company: number of employees, development of the number of employees since 2004; company size; main activity of the company; year of company establishment; shareholding of the company; turnover of the company in the own country in the last fiscal year. Additionally coded was: country; respondent ID; language of the interview; weighting factor.
Categories Categories
  • International Institutions, Relations, Conditions
Topics Topics
  • 8 Trade, industry and markets


Geographic Coverage
  • Belgium (BE)
  • Denmark (DK)
  • Germany (DE)
  • France (FR)
  • Greece (GR)
  • Ireland (IE)
  • Italy (IT)
  • Luxembourg (LU)
  • Netherlands (NL)
  • Austria (AT)
  • Portugal (PT)
  • Sweden (SE)
  • Spain (ES)
  • United Kingdom (GB)
  • Finland (FI)
UniverseCompanies employing 1 to 249 employees in all sectors (except agriculture and public administration) in the 15 old member states of the European Union
Sampling Procedure Sampling Procedure
  • Probability: Stratified
Mode of Collection Mode of Collection
  • Telephone interview
Data CollectorDIMARSO, Brussels, Belgium; GALLUP, Copenhagen, Denmark; EMNID, Bielefeld, Germany; ICAP, Athens, Greece; DEMOSCOPIA, Madrid, Spain; SOFRES, Montrouge, France; IRISH MARKETING SURVEYS, Dublin, Ireland; DOXA, Milan, Italy; ILRES, Luxemburg, Luxemburg; NIPO, Amsterdam, Netherlands; EUROTESTE, Lisbon, Portugal; ÖSTERREICHISCHES GALLUP, Vienna, Austria; SUOMEN GALLUP, Espoo, Finland; SVENSKA GALLUP, Stockholm, Sweden; ICM, London, United Kingdom; EOS Gallup Europe/TNS Sofres, Brussels (Fieldwork co-ordination)
Date of Collection
  • 05.09.2005 - 19.09.2005 (total)
  • 07.09.2005 - 15.09.2005 (Belgium)
  • 08.09.2005 - 19.09.2005 (Denmark)
  • 06.09.2005 - 16.09.2005 (Germany)
  • 07.09.2005 - 15.09.2005 (Greece)
  • 06.09.2005 - 16.09.2005 (Spain)
  • 07.09.2005 - 14.09.2005 (France)
  • 05.09.2005 - 13.09.2005 (Ireland)
  • 06.09.2005 - 13.09.2005 (Italy)
  • 07.09.2005 - 15.09.2005 (Luxembourg)
  • 09.09.2005 - 19.09.2005 (Netherlands)
  • 06.09.2005 - 15.09.2005 (Austria)
  • 07.09.2005 - 16.09.2005 (Portugal)
  • 08.09.2005 - 16.09.2005 (Finland)
  • 05.09.2005 - 16.09.2005 (Sweden)
  • 05.09.2005 - 19.09.2005 (United Kingdom)

Errata & Versions

VersionDate, Name, DOI
1.0.0 (current version)2010-4-13 Version number created automatically (implementation of a uniform versioning policy) (Publication Year unknown)
Errata in current version
Version changes

Further Remarks

Number of Units: 3047
Number of Variables: 84
Analysis System(s): SPSS


  • European Commission; TNS Sofres/EOS Gallup Europe: SME Access to Finance. Brussels: European Commission October 2005
Relevant full texts
from SSOAR (automatically assigned)


Research Data Centre
  •  EB - Flash Eurobarometer
    The Flash Eurobarometer were launched by the European Commission in the late eighties, turning out a Monthly Monitor between in 1994 and 1995. These “small scale” surveys are conducted in all EU member states at times, occasionally reducing or enlarging the scope of countries as a function of specific topics. The typical sample size is 500-1000 respondents per country and interviews are usually conducted by phone in the respective national language. The Flash Eurobarometer include series on special topics (Common Currency, EU Enlargement, Information Society, Entrepreneurship, Innovation) as well as special target group polls, particularly company managers with enterprise related topics.
  • Flash Eurobarometer - Manager samples and enterprise issues