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Their own payment-practices filing · gov.uk

Shop Direct Finance Company Limited pays suppliers in 73 days on average — inside its 90-day stated terms

CRN 04660974 · Financial services · 18 statutory reports on record · period to 30 Jun 2026

73daysavg time to pay · H1 2026

Their H1 2026 filing puts the average 17 days inside their stated 90-day term.

Well behindvs a 31-day median across 6,104 recent filers
Their stated terms
90 days
Paid outside agreed terms
98% of invoices
Paid after 61+ days
67%
Reporting period
1 Jan 2026 – 30 Jun 2026
Source
their gov.uk filing, filed 10 Aug 2026

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

Terms vs reality · their H1 2026 filing

Paid 17 days inside the 90-day term they state

The pattern · last 6 of 18 reports

69 → 73 days — slowing down

The read · computed from their figures

Shop Direct Finance Company Limited's H1 2026 filing puts their average at 73 days against stated terms of 90 days; 98% of invoices were paid outside agreed terms and 67% took 61 days or longer. Filed 10 Aug 2026.

The direction is slower: from 69 days in H2 2023 to 73 now — 4 days slower across their last 6 reports.

On the latest reported averages: Slower than 98% of the 638 large companies reporting in financial services.

That is 18 statutory periods on record (earliest H2 2017) — a historical record, not a promise for a new invoice.

What they tell their suppliers

9% of invoices in dispute

In their own words · from the filing

Standard payment terms

Standard payment terms are 90 days (but this is negotiable) from date of invoice, with payment made on the next available payment run following the due date.

Dispute resolution

Any payment disputes are dealt with by the P2P team in the first instance through dedicated mailboxes with an SLA of 72 hours for resolution. If the matter remains unresolved, it will be escalated to senior management. Ultimately, the matter may go to arbitration with a mutually agreed arbitrator.

Every statutory report on record

Most recent first.

PeriodAvg daysOutside terms61+ daysFiled
H1 20267398%67%10 Aug 2026
H2 202559100%49%27 Feb 2026
H1 202560100%57%31 Jul 2025
H2 202464100%51%25 Feb 2025
H1 20246499%50%12 Nov 2024
H2 20236983%58%30 Apr 2024
H1 20236264%50%2 Aug 2023
H2 20226293%55%3 Feb 2023
H1 20226396%56%2 Aug 2022
H2 20216190%49%31 Jan 2022
H1 20216984%51%4 Aug 2021
H2 20205287%42%30 Jan 2021
H1 20205865%37%11 Aug 2020
H2 20195140%41%29 Jan 2020
H1 20195337%48%30 Jul 2019
H2 20186641%55%18 Feb 2019
H1 20187525%62%23 Jul 2018
H2 20175319%38%31 Jan 2018

On the public register · Companies House

Company record

Status
Active
Type
Private Limited Company
Incorporated
10 Feb 2003
Registered office
FIRST FLOOR, SKYWAYS HOUSE,, LIVERPOOL, L70 1AB
6 outstanding charges — secured borrowing registered Accounts due 31 Mar 2027

Open the full record at Companies House.

Quick answers · Shop Direct Finance Company Limited

Are they getting slower or faster?
Their reported average has moved about 4 days slower over the window (69 → 73 days).
What's their typical pay point?
Their latest filed report puts the average at day 73; across their last 6 reports it ranged 59–73 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-04660974 · latest period to 30 Jun 2026

Verify the original Companies House file

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