BSW Timber Solutions Ltd demonstrates a predominantly mid-range payment cycle, with 45% of payments settling in the 31–60 day window and an average payment time of 50 days, indicating a consistent pattern of extended but not severely delayed settlements. Only 22% of payments are made within the preferred 30-day threshold, suggesting the company routinely operates beyond standard payment terms. The 33% share of payments exceeding 60 days points to a meaningful proportion of transactions that stretch well beyond acceptable limits, reinforcing a slow-payment tendency rather than an isolated trend.
With 17% of payments classified as late and one-third exceeding 60 days, BSW Timber Solutions Ltd presents moderate-to-elevated payment unpredictability, making cash flow forecasting more challenging for suppliers. The spread across all three payment bands — particularly the significant over-60-day portion — indicates inconsistent payment behaviour rather than a stable, predictable cycle. This variability introduces tangible liquidity risk for suppliers dependent on timely receipts, especially those operating with tighter working capital margins.
BSW Timber Solutions Ltd represents a moderate credit risk, with an average 50-day payment cycle and a combined 78% of payments settling beyond 30 days, which suppliers should factor into their cash flow planning. Suppliers are advised to consider implementing shorter agreed payment terms (e.g., net 30) with clearly defined late payment penalties to encourage more timely settlement. As a risk mitigation measure, credit limits should be set conservatively, and proactive invoice follow-up processes should be established from day 31 onwards to reduce exposure to the 33% over-60-day payment segment.
| 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 |
|---|---|---|---|---|---|---|
| 01 Jul 2025 - 31 Dec 2025 | 30 Jan 2026 | 50 | 22% | 45% | 33% | 17% |
| 01 Jan 2025 - 30 Jun 2025 | 29 Jul 2025 | 52 | 19% | 43% | 38% | 19% |
| 01 Jul 2024 - 31 Dec 2024 | 30 Jan 2025 | 51 | 19% | 47% | 34% | 20% |
| 01 Jan 2024 - 30 Jun 2024 | 27 Sept 2024 | 53 | 20% | 44% | 36% | 18% |
This information is as reported by the business, and responses are in their own words.
Standard payment terms
BSW Timber Solutions has a range of payment terms, the most common being net monthly terms which equates to an average of 45 days. The company does a payment run every week to ensure on time payments, especially where the payment terms are calculated from the data of the invoice (i.e. not net monthly or net 2 monthly).
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
90
The company has a generic email address to handle such queries, and uses an online Purchase Ledger portal, so any queries would be pushed back to the person who placed the order via that system. If something cannot be agreed by that person, it would be escalated to the Financial Controller, the Finance Director, and eventually the Managing Director in extreme circumstances.
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
BSW Timber Solutions Ltd is a private limited company operating within the timber industry, providing solutions-focused products and services related to timber and wood-based materials. The company serves customers across the UK market from its established base in the West Midlands region.
The company was incorporated on 20 September 1990 and is registered in England and Wales under company number 02541468. Its registered office is located at Etruscan Street, Etruria, Stoke on Trent, Staffordshire, ST1 5PG, and the company holds an active trading status.
Timber solutions companies of this type operating in the UK market typically supply a range of timber products including structural timber, sheet materials, and engineered wood products to trade and commercial customers. Such businesses commonly serve sectors including construction, joinery, manufacturing, and building merchants, providing both standard stock items and specialist timber requirements.
With over three decades of continuous operation since its incorporation in 1990, BSW Timber Solutions Ltd represents an established presence within the UK timber industry. The company's longevity reflects its standing as a long-term participant in the timber supply sector.