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Their own payment-practices filing · gov.uk

How long does Shop Direct Finance Company Limited take to pay its suppliers?

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

73days
their reported average time to pay suppliers, latest period
Well behindvs a 31-day median across 6,185 recent filers

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

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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.

Terms vs reality

Stated terms: 90 days. Reported average: 73.

Stated terms90d
-17 days
Reported avg73d

At a glance

The key figures

90d
their stated terms
98%
invoices paid outside terms
+4d
slower over the window
±7d
variable pattern

Vs peers · latest reported averages

fasterslower
Slower than 98% of the 661 large companies reporting in financial services.

The pattern

Getting slower

Average days to pay across their last 6 statutory reports.

terms 90d
69
64
64
60
59
73
H2 2023H1 2024H2 2024H1 2025H2 2025H1 2026

Where their supplier invoices land · latest period

within 30 days 5% 31–60 days 28% 61+ days 67%

The read · computed from their figures

Shop Direct Finance Company Limited has filed 18 statutory payment periods (earliest H2 2017). Their latest report puts the average at 73 days against stated terms of 90 days.

The direction is slower: from 69 to 73 days over the window — about 4 days slower.

In the latest period 98% of invoices were paid outside their agreed terms, and 67% landed 61+ days out.

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

Quick answers

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 reports average around day 73, moving within about ±7 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

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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 6,185 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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