M.& W.MACK LIMITED exhibits a clear trend of extended payment cycles, with an average payment time of 37 days. The majority of payments (60%) consistently fall within the 31-60 day window, suggesting this is their standard operational trajectory. This indicates suppliers should anticipate payments extending beyond conventional net-30 terms, as only 32% are paid within that timeframe.
Reliability for on-time payments is low, as 70% of all payments are categorized as late, indicating a consistent deviation from prompt settlement. While 60% of payments settle predictably between 31-60 days, the 8% extending beyond 60 days introduces significant unpredictability and cash flow risk. This pattern suggests moderate predictability for general lateness, but specific payment dates can fluctuate significantly, particularly for the extremely delayed invoices.
Suppliers engaging with M.& W.MACK LIMITED should expect and plan for payments to be routinely delayed beyond 30 days, averaging 37 days. Key decision factors include the ability to absorb an average 37-day payment cycle and manage potential 60+ day delays for a small portion of invoices. To mitigate risk, consider implementing adjusted credit terms, requiring partial upfront payments, or exploring early payment discounts for financial planning.
| Reporting Period | Filing Date | Average Time to Pay (days) | Paid within 30 days | Paid 31-60 days | Paid after 60 days | Not Paid within Terms |
|---|---|---|---|---|---|---|
| 26 Apr 2025 - 24 Oct 2025 | 24 Mar 2026 | 41 | 31% | 59% | 10% | 70% |
| 27 Oct 2024 - 25 Apr 2025 | 03 Jul 2025 | 37 | 32% | 60% | 8% | 70% |
| 27 Apr 2024 - 25 Oct 2024 | 25 Nov 2024 | 37 | 38% | 61% | 1% | 76% |
| 29 Oct 2023 - 26 Apr 2024 | 28 May 2024 | 38 | 26% | 66% | 8% | 32% |
| 29 Apr 2023 - 28 Oct 2023 | 14 Dec 2023 | 33 | 40% | 56% | 5% | 66% |
| 29 Oct 2022 - 28 Apr 2023 | 25 May 2023 | 33 | 40% | 57% | 3% | 64% |
| 30 Apr 2022 - 28 Oct 2022 | 29 Nov 2022 | 32 | 43% | 54% | 3% | 64% |
| 01 Nov 2021 - 29 Apr 2022 | 27 May 2022 | 35 | 36% | 60% | 4% | 69% |
| 01 May 2021 - 31 Oct 2021 | 03 Dec 2021 | 36 | 34% | 61% | 5% | 73% |
| 25 Oct 2020 - 30 Apr 2021 | 26 May 2021 | 36 | 43% | 55% | 2% | 69% |
| 25 Apr 2020 - 24 Oct 2020 | 24 Nov 2020 | 34 | 41% | 57% | 2% | 68% |
| 27 Oct 2019 - 24 Apr 2020 | 19 May 2020 | 38 | 33% | 65% | 2% | 69% |
| 27 Apr 2019 - 26 Oct 2019 | 25 Nov 2019 | 37 | 30% | 68% | 2% | 77% |
| 28 Oct 2018 - 26 Apr 2019 | 24 May 2019 | 34 | 47% | 46% | 6% | 69% |
| 28 Apr 2018 - 26 Oct 2018 | 03 Dec 2018 | 36 | 44% | 48% | 7% | 63% |
| 29 Oct 2017 - 27 Apr 2018 | 12 Oct 2018 | 27 | 72% | 26% | 2% | 23% |
| 29 Apr 2017 - 28 Oct 2017 | 01 May 2018 | 32 | 62% | 33% | 5% | 60% |
This information is as reported by the business, and responses are in their own words.
Standard payment terms
Standard payment terms are 30 days, but we will negotiate longer terms if appropriate.
Were there any changes to the standard payment terms in the reporting period?
No information available
Any other information about payment terms
No additional information
Maximum contractual payment period agreed
60
Disputes should be referred to the relevant accounts payable department. Contact details can be found at www.frescagroup.co.uk.
Has this business signed up to a code of conduct or standards on payment practices?
For example, signatories to The Prompt Payment Code must commit to paying 95% of their invoices within 60 days.
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Does this business offer e-invoicing in relation to qualifying contracts?
This is where suppliers can electronically submit and track invoices. It's not just allowing suppliers to email them an invoice.
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Does this business offer supply chain finance?
This is where a supplier who has submitted an invoice can be paid by a third-party finance provider earlier than the agreed payment date. The business would then pay the finance provider the invoiced sum.
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Under its payment practices and policies, can this business deduct sums from payments under qualifying contracts as a charge for remaining on a supplier list?
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During the reporting period, did the business deduct sums from payments as a charge for remaining on a supplier list?
No information available
M.& W.Mack Limited is a Kent-registered wholesaler of fruit and vegetables, incorporated in 1948 and part of the Fresca Group. Trading through its Southampton operation as Mack Ship Stores, it supplies ocean liners and cruise ships docking at the port with fresh produce and other provisions, including meat, dairy, flowers, fish, drinks and dry goods. The business operates from purpose-built facilities near the docks, procuring and exporting goods directly to ships internationally, responding to requests from ships' chefs and ensuring deliveries before departure. It positions itself around reliability, local responsiveness and handling the particular demands of maritime supply, extending its original produce wholesaling into a broader ship provisioning service.
Generated from the company's website and Companies House records. Sources: mackshipstores.co.uk · mackshipstores.co.uk