Their own payment-practices filing · gov.uk

FNZ (UK) Ltd paid suppliers in 66 days on average — 6 days past its stated terms

CRN 05435760 · Financial services · 15 statutory reports on record · period to 30 Jun 2025

Dated record. The latest report covers a period ending 30 Jun 2025 and the company hasn’t filed since (it may have dropped below the reporting threshold). Treat the figures as historical.

66daysavg time to pay · H1 2025

Their H1 2025 filing put the average 6 days past the 60-day term they state.

Their stated terms: 14–60 days
Paid outside agreed terms: 88% of invoices
Paid after 61+ days: 39%
Reporting period: 1 Jan 2025 – 30 Jun 2025
Source: their gov.uk filing, filed 31 Jul 2025

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

Terms vs reality · their H1 2025 filing

Paid 6 days past their stated terms

PAIDLATE · terms vs the clockdays to pay · 0–75

avg 66d

0 days75 days

reported avg 66 days their filed terms 14–60 days UK median 31 days · n = 6,104 recent filers

Where their invoices landed · share of all invoices

within 30 days 21% 31–60 days 40% 61+ days 39%

Source: their statutory Payment Practices Report #101940, period 1 Jan 2025 – 30 Jun 2025, filed 31 Jul 2025 · gov.uk payment-practices service

FNZ (UK) Ltd paid 6 days past its own stated terms. 88% of invoices still went outside agreed terms; 39% reached 61 days or more. Self-reported in their statutory H1 2025 filing.

The pattern · last 6 of 15 reports

77 → 66 days — faster across the window

PAIDLATE · the patternavg days per report

Last 6 of 15 filed reports · linear day scale · every period is in the table below · Source: gov.uk payment-practices service

11 days faster across the window. From 77 days in H2 2022 to 66 in the H1 2025 filing; the dashed line marks the 14-day term they state.

The read · computed from their figures

FNZ (UK) Ltd's H1 2025 filing put their average at 66 days against stated terms of 14–60 days; 88% of invoices were paid outside agreed terms and 39% took 61 days or longer. Filed 31 Jul 2025.

The direction is faster: from 77 days in H2 2022 to 66 now — 11 days faster across their last 6 reports.

That is 15 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

Contractual terms are agreed individually with suppliers. The terms agreed are typically between 14 and 60 days from date of invoice.

Dispute resolution

Disputes are first considered by relevant contract manager with reference to the accounts payable department, typically within ten business days. Should it subsequently be necessary, the dispute will be escalated to the CFO and CEO for resolution.

Every statutory report on record

Most recent first.

Period	Avg days	Outside terms	61+ days	Filed
H1 2025	66	88%	39%	31 Jul 2025
H2 2024	66	85%	38%	31 Jan 2025
H1 2024	102	91%	57%	31 Jul 2024
H2 2023	86	94%	53%	26 Jan 2024
H1 2023	90	92%	55%	2 Aug 2023
H2 2022	77	91%	52%	31 Jan 2023
H1 2022	70	88%	39%	25 Jul 2022
H2 2021	56	79%	30%	31 Jan 2022
H1 2021	73	88%	45%	30 Jul 2021
H2 2020	90	94%	61%	29 Jan 2021
H1 2020	72	90%	50%	10 Aug 2020
H2 2019	73	88%	54%	24 Feb 2020
H1 2019	76	83%	57%	31 Jul 2019
H2 2018	77	83%	53%	30 Jan 2019
H1 2018	91	90%	66%	30 Jul 2018

On the public register · Companies House

Company record

Status: Active
Type: Private Limited Company
Incorporated: 26 Apr 2005
Registered office: 10TH FLOOR, LONDON, EC2M 3TP

1 outstanding charge — secured borrowing registered Accounts due 30 Sept 2027

Open the full record at Companies House.

Illustrative · working-capital arithmetic

What a 66-day cycle ties up

A worked example, not a finding. On a hypothetical £12k/month account, at a 66-day vs a 14-day payment cycle.

≈ £26,000

of invoicing outstanding at any one time on a 66-day cycle — about £20,500 more than the same account would carry at 14-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 · FNZ (UK) Ltd

Are they getting slower or faster?

Their reported average has moved about 11 days faster over the window (77 → 66 days).

What's their typical pay point?

Their latest filed report put the average at day 66; across their last 6 reports it ranged 66–102 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 6,104 companies with a current statutory report — every sector pooled, not an average of sector medians (how the figure is built).

Report PL-05435760 · latest period to 30 Jun 2025

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