Their own payment-practices filing · gov.uk
Flood Re Limited pays suppliers in 24 days on average — within its stated 7–30 day terms
Their H1 2026 filing puts the average 17 days past the shortest term they state (7 days), still within their 30-day upper term.
- Their stated terms
- 7–30 days
- Paid outside agreed terms
- 14% of invoices
- Paid after 61+ days
- 2%
- Reporting period
- 1 Oct 2025 – 31 Mar 2026
- Source
- their gov.uk filing, filed 1 Sept 2026
Self-reported figures from their statutory filing. How this is compiled.
Terms vs reality · their H1 2026 filing
Paid within their stated range — 24 against 7–30 days
Where their invoices landed · share of all invoices
The pattern · last 6 of 16 reports
32 → 24 days — getting faster
The read · computed from their figures
Flood Re Limited's H1 2026 filing puts their average at 24 days against stated terms of 7–30 days; 14% of invoices were paid outside agreed terms and 2% took 61 days or longer. Filed 1 Sept 2026.
The direction is faster: from 32 days in H2 2023 to 24 now — 8 days faster across their last 6 reports.
On the latest reported averages: Slower than 58% of the 638 large companies reporting in financial services.
That is 16 statutory periods on record (earliest H2 2018) — a historical record, not a promise for a new invoice.
What they tell their suppliers
In their own words · from the filing
Standard payment terms
Flood Re's standard payment terms are 30 days from receipt of a valid invoice, unless alternative terms have been agreed with the supplier and documented within the relevant contract or purchase order. Flood Re seeks to pay all suppliers in accordance with the agreed contractual payment terms and maintains processes to support the timely approval and settlement of invoices.
Dispute resolution
Any disputed invoices or invoices placed on hold are identified and raised by the relevant budget holders and/or the Accounts Payable team. The Accounts Payable team will seek to resolve the matter promptly through discussion with the supplier’s accounts team, working with the relevant budget holder and designated business contact within the supplier’s company. Where a dispute cannot be resolved through normal operational channels, the matter will be escalated to the CFO, and where appropriate, the Compliance and/or Legal teams. They will review the circumstances of the dispute, engage with the supplier as necessary, and agree the appropriate course of action, including any payment, contractual or remedial arrangements required to achieve resolution. Once a dispute has been resolve
Every statutory report on record
Most recent first.
| Period | Avg days | Outside terms | 61+ days | Filed |
|---|---|---|---|---|
| H1 2026 | 24 | 14% | 2% | 1 Sept 2026 |
| H2 2025 | 23 | 13% | 2% | 1 Sept 2026 |
| H1 2025 | 23 | 18% | 2% | 1 Sept 2026 |
| H2 2024 | 23 | 9% | 3% | 1 Sept 2026 |
| H1 2024 | 23 | 20% | 1% | 1 Sept 2026 |
| H2 2023 | 32 | 5% | 3% | 20 Oct 2023 |
| H1 2023 | 32 | 10% | 10% | 27 Apr 2023 |
| H2 2022 | 33 | 14% | 9% | 27 Oct 2022 |
| H1 2022 | 36 | 20% | 10% | 29 Apr 2022 |
| H2 2021 | 31 | 15% | 7% | 28 Oct 2021 |
| H1 2021 | 30 | 14% | 6% | 28 Apr 2021 |
| H2 2020 | 35 | 12% | 6% | 29 Oct 2020 |
| H1 2020 | 26 | 13% | 3% | 30 Apr 2020 |
| H2 2019 | 28 | 12% | 7% | 30 Oct 2019 |
| H1 2019 | 29 | 18% | 7% | 30 Apr 2019 |
| H2 2018 | 26 | 10% | 4% | 30 Oct 2018 |
On the public register · Companies House
Company record
- Status
- Active
- Type
- PRI/LTD BY GUAR/NSC (Private, limited by guarantee, no share capital)
- Incorporated
- 30 Aug 2013
- Registered office
- 75 KING WILLIAM STREET, LONDON, EC4N 7BE
Illustrative · working-capital arithmetic
What a 24-day cycle ties up
A worked example, not a finding. On a hypothetical £12k/month account, at a 24-day vs a 7-day payment cycle.
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 · Flood Re Limited
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How UK payment reporting works
What is a Payment Practices Report?
What does "paid outside agreed terms" mean?
How often is this data updated?
Is this official government data?
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-08670444 · latest period to 31 Mar 2026
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