Their own payment-practices filing · gov.uk

Integrated Financial Arrangements Ltd pays suppliers in 16 days on average — within its stated 1–30 day terms

CRN 03727592 · Financial services · 17 statutory reports on record · period to 31 Mar 2026

16daysavg time to pay · H1 2026

Their H1 2026 filing puts the average 15 days past the shortest term they state (1 days), still within their 30-day upper term.

Faster than mostvs a 31-day median across 6,104 recent filers

Their stated terms: 1–30 days
Paid outside agreed terms: 35% of invoices
Paid after 61+ days: 2%
Reporting period: 1 Oct 2025 – 31 Mar 2026
Source: their gov.uk filing, filed 30 Apr 2026

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

Terms vs reality · their H1 2026 filing

Paid within their stated range — 16 against 1–30 days

PAIDLATE · terms vs the clockdays to pay · 0–40

avg 16d

0 days40 days

reported avg 16 days their filed terms 1–30 days UK median 31 days · n = 6,104 recent filers

Where their invoices landed · share of all invoices

within 30 days 90% 31–60 days 8% 61+ days 2%

Source: their statutory Payment Practices Report #111594, period 1 Oct 2025 – 31 Mar 2026, filed 30 Apr 2026 · gov.uk payment-practices service

Integrated Financial Arrangements Ltd pays within its stated range, 15 days past the shortest term. 35% of invoices still went outside agreed terms; 2% reached 61 days or more. Self-reported in their statutory H1 2026 filing.

The pattern · last 6 of 17 reports

12 → 16 days — slowing down

PAIDLATE · the patternavg days per report

Last 6 of 17 filed reports · linear day scale · every period is in the table below · Source: gov.uk payment-practices service

4 days slower across the window. From 12 days in H2 2023 to 16 in the H1 2026 filing; the dashed line marks the 1-day term they state.

The read · computed from their figures

Integrated Financial Arrangements Ltd's H1 2026 filing puts their average at 16 days against stated terms of 1–30 days; 35% of invoices were paid outside agreed terms and 2% took 61 days or longer. Filed 30 Apr 2026.

The direction is slower: from 12 days in H2 2023 to 16 now — 4 days slower across their last 6 reports.

On the latest reported averages: Faster than 74% of the 638 large companies reporting in financial services.

That is 17 statutory periods on record (earliest H1 2018) — a historical record, not a promise for a new invoice.

In their own words · from the filing

Standard payment terms

Integrated Financial Arrangements Limited (“IFAL”) does not have standard payment terms. Payment terms are agreed with suppliers as part of contract negotiations. The most common payment terms of suppliers paid in the period is 30 days.

Dispute resolution

IFAL do not have a standard dispute resolution process. If a dispute arises, IFAL would work with the supplier to reach an amicable resolution.

Every statutory report on record

Most recent first.

Period	Avg days	Outside terms	61+ days	Filed
H1 2026	16	35%	2%	30 Apr 2026
H2 2025	16	33%	2%	31 Oct 2025
H1 2025	14	37%	1%	29 Apr 2025
H2 2024	15	20%	1%	30 Oct 2024
H1 2024	15	11%	0%	30 Apr 2024
H2 2023	12	26%	0%	30 Oct 2023
H1 2023	13	23%	0%	28 Apr 2023
H2 2022	16	28%	0%	28 Oct 2022
H1 2022	15	17%	0%	29 Apr 2022
H2 2021	15	21%	0%	29 Oct 2021
H1 2021	15	22%	0%	30 Apr 2021
H2 2020	17	32%	4%	30 Oct 2020
H1 2020	14	19%	0%	29 Apr 2020
H2 2019	9	11%	0%	30 Oct 2019
H1 2019	12	10%	0%	30 Apr 2019
H2 2018	12	14%	0%	30 Oct 2018
H1 2018	15	16%	1%	27 Apr 2018

On the public register · Companies House

Company record

Status: Active
Type: Private Limited Company
Incorporated: 5 Mar 1999
Registered office: 4TH FLOOR, LONDON, EC2V 7AD

0 outstanding charges on the register Accounts due 30 Jun 2027

Open the full record at Companies House.

Illustrative · working-capital arithmetic

What a 16-day cycle ties up

A worked example, not a finding. On a hypothetical £12k/month account, at a 16-day vs a 1-day payment cycle.

≈ £6,500

of invoicing outstanding at any one time on a 16-day cycle — about £5,900 more than the same account would carry at 1-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 · Integrated Financial Arrangements Ltd

Are they getting slower or faster?

Their reported average has moved about 4 days slower over the window (12 → 16 days).

What's their typical pay point?

Their latest filed report puts the average at day 16; across their last 6 reports it ranged 12–16 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.

Stay ahead

Watch Integrated Financial Arrangements Ltd (free)

Their next payment report is due ≈ 27 Oct 2026. We watch their public record and email you when something changes — a new payment report, late filings, insolvency markers, new charges.

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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-03727592 · latest period to 31 Mar 2026

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