cflox Treasury Trend Report 2025

What is driving treasury in European retail –today and tomorrow?

The cflox Treasury Trend Report 2025 provides a comprehensive, clear overview of the biggest challenges facing the industry and shares critical assessments from trading companies, financiers, and AI. It highlights the issues currently taking center stage–from working capital bottlenecks and volatile supply chains to new requirements for liquidity management and financing.

A new look at treasury

In 2025, treasury in European retail are under particular pressure to act agilely and proactively. Requirements are increasing: customer demand is becoming more unpredictable, capital markets are reacting more sensitively, and at the same time, suppliers expect faster payments with greater planning security. Modern treasury departments must therefore think in a more networked way–across company boundaries.

At the same time, digital solutions are opening up new opportunities: automated liquidity forecasts, AI-based risk analyses, and flexible financing solutions enable trading companies to better cushion uncertainties and gain strategic freedom. The Trend Report highlights which approaches are already creating added value, where companies are still hesitant, and how treasury organizations can realign themselves to ensure stability and room for maneuver in disruptive times.