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Their own payment-practices filing · gov.uk

Provident Personal Credit Limited paid suppliers in 38 days on average — within its stated 30–60 day terms

CRN 00146091 · 10 statutory reports on record · period to 31 Dec 2022

Dated record. The latest report covers a period ending 31 Dec 2022 and the company hasn’t filed since (it may have dropped below the reporting threshold). Treat the figures as historical.
38daysavg time to pay · H2 2022

Their H2 2022 filing put the average 8 days past the shortest term they state (30 days), still within their 60-day upper term.

Their stated terms
30–60 days
Paid outside agreed terms
60% of invoices
Paid after 61+ days
20%
Reporting period
1 Jul 2022 – 31 Dec 2022
Source
their gov.uk filing, filed 30 Jan 2023

Self-reported figures from their statutory filing. How this is compiled.

Terms vs reality · their H2 2022 filing

Paid within their stated range — 38 against 30–60 days

The pattern · last 6 of 10 reports

32 → 38 days — slower across the window

The read · computed from their figures

Provident Personal Credit Limited's H2 2022 filing put their average at 38 days against stated terms of 30–60 days; 60% of invoices were paid outside agreed terms and 20% took 61 days or longer. Filed 30 Jan 2023.

The direction is slower: from 32 days in H1 2020 to 38 now — 6 days slower across their last 6 reports.

That is 10 statutory periods on record (earliest H1 2018) — a historical record, not a promise for a new invoice.

What they tell their suppliers

Payment code: The Prompt Payment Code

In their own words · from the filing

Standard payment terms

30 days from date of invoice

Dispute resolution

With regard to disputes, suppliers should refer to the terms of trade and the terms and conditions of the purchase, and contact either the individual who placed the order from the Company, or the Contract Manager for their relationship.

Every statutory report on record

Most recent first.

PeriodAvg daysOutside terms61+ daysFiled
H2 20223860%20%30 Jan 2023
H1 20224935%20%26 Jul 2022
H2 20213820%7%24 Jan 2022
H1 20213116%5%26 Jul 2021
H2 20203626%11%26 Jan 2021
H1 20203229%8%20 Jul 2020
H2 20193032%13%28 Jan 2020
H1 20192918%7%29 Jul 2019
H2 20183025%6%25 Jan 2019
H1 20182932%6%27 Jul 2018

Illustrative · working-capital arithmetic

What a 38-day cycle ties up

A worked example, not a finding. On a hypothetical £12k/month account, at a 38-day vs a 30-day payment cycle.

≈ £15,000
of invoicing outstanding at any one time on a 38-day cycle — about £3,200 more than the same account would carry at 30-day terms.

Late Payment Act. The Late Payment of Commercial Debts (Interest) Act 1998 lets a supplier charge statutory interest and fixed compensation on invoices paid past agreed terms. Work out what a late invoice is worth → Whether it applies depends on your contract — check with an adviser.

Quick answers · Provident Personal Credit Limited

Are they getting slower or faster?
Their reported average has moved about 6 days slower over the window (32 → 38 days).
What's their typical pay point?
Their latest filed report put the average at day 38; across their last 6 reports it ranged 31–49 days. Treat that as a historical reference point, not a promise for a new invoice.
Can I see what this means for my invoices?
Run the live check — it re-reads their record and their live Companies House file, on the amount you invoice.
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How UK payment reporting works

What is a Payment Practices Report?
UK companies and LLPs above a size threshold — broadly, two of: turnover over £54m, balance sheet over £27m, or more than 250 employees — must report twice a year, under the Reporting on Payment Practices and Performance Regulations 2017, how quickly they actually pay suppliers: the average time to pay, the share of invoices paid in 30 days or fewer, 31 to 60 days and 61 days or longer, and their standard payment terms. Those thresholds apply to financial years beginning on or after 6 April 2025; for earlier financial years they were £36m and £18m, with the same 250-employee test.
What does "paid outside agreed terms" mean?
The share of invoices paid later than the terms in the supplier contract. If terms are 30 days and an invoice is paid on day 45, it counts as paid outside terms, regardless of the headline average.
How often is this data updated?
Each report covers a six-month period and must be filed within 30 days of that period ending, so a company's record refreshes roughly twice a year. PaidLate re-reads the register as new reports are filed.
Is this official government data?
The underlying payment figures come from the company's own statutory filings on the gov.uk payment-practices service; company-status data comes from Companies House. PaidLate calculates trends, comparisons and summaries from those records. It does not use surveys or credit-agency scores.

How this is compiled. Built from official records only: Companies House and the gov.uk payment-practices service. The payment figures are self-reported — companies over the size threshold must file them by law and the board signs them off. No credit-agency data. The numbers are theirs; the plain-English read is ours. This is information compiled from public records under the Open Government Licence v3.0 — not a credit rating and not advice.

The 31-day comparison figure is the median across 6,104 companies with a current statutory report — every sector pooled, not an average of sector medians (how the figure is built).

Report PL-00146091 · latest period to 31 Dec 2022

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