RAMSDENS FINANCIAL LIMITED
Company Information
- Company Number
- 03045495
- Registered Address
- 16 Falcon Court, Preston Farm Industrial Estate, Stockton-On-Tees, England, TS18 3TS
- Status
- Active
- Employee Count
- Coming Soon
- Turnover
- Coming Soon
- EBITDA
- Coming Soon
Additional Details
- Company Type
- Private limited Company
- Incorporated On
- 12 April 1995
- Nature of Business
- 47190 - Other retail sale in non-specialised stores64921 - Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors
- Industries
- Coming Soon
- Region
- North East
Time to Pay
Payment Timeline
Payment Features
Company Review
Trend Analysis
RAMSDENS FINANCIAL LIMITED consistently achieves an average payment time of 30 days, indicating a commitment to timely settlements. However, a detailed look reveals that while 50% of payments are completed within 30 days, a significant 49% consistently extends to the 31-60 day window. This suggests a bifurcated payment trend where some invoices are paid promptly, while a near-equal proportion experiences a moderate, yet consistent, delay.
Volatility Analysis
Payment reliability is generally high, with only a very low 1% of invoices experiencing delays beyond 60 days, indicating minimal risk of extreme lateness. Suppliers can predictably expect approximately half of their invoices to be settled within standard 30-day terms. The notable 49% falling into the 31-60 day category suggests a moderate but consistent variance in payment speed rather than unpredictable volatility, allowing for reasonable cash flow planning.
Summary Analysis
Overall, RAMSDENS FINANCIAL LIMITED presents a low payment risk profile for suppliers, with a minimal 1% incidence of severe payment delays. Suppliers should account for the clear pattern where roughly half of all payments consistently fall into the 31-60 day range, rather than strict 30-day terms for all invoices. It is recommended to proceed with supply, but factor in the potential for extended payment cycles on a significant portion of transactions to manage cash flow expectations effectively.
Performance Reports History
| 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 Apr 2025 - 30 Sept 2025 | 31 Oct 2025 | 30 | 50% | 49% | 1% | 1% |
| 01 Oct 2024 - 31 Mar 2025 | 30 Apr 2025 | 28 | 56% | 43% | 1% | 1% |
| 01 Apr 2024 - 30 Sept 2024 | 29 Oct 2024 | 28 | 57% | 42% | 1% | 1% |
| 01 Oct 2023 - 31 Mar 2024 | 25 Apr 2024 | 28 | 57% | 42% | 1% | 1% |
| 01 Apr 2023 - 30 Sept 2023 | 31 Oct 2023 | 29 | 52% | 47% | 1% | 1% |
| 01 Oct 2022 - 31 Mar 2023 | 25 Apr 2023 | 29 | 52% | 47% | 1% | 1% |
| 01 Apr 2022 - 30 Sept 2022 | 09 Nov 2022 | 30 | 54% | 40% | 6% | 0% |
| 01 Oct 2021 - 31 Mar 2022 | 06 Apr 2022 | 28 | 53% | 46% | 1% | 6% |
| 01 Apr 2021 - 30 Sept 2021 | 12 Oct 2021 | 28 | 53% | 45% | 2% | 0% |
| 01 Oct 2020 - 31 Mar 2021 | 30 Apr 2021 | 30 | 50% | 48% | 2% | 0% |
| 01 Oct 2019 - 31 Mar 2020 | 27 Apr 2020 | 31 | 49% | 49% | 2% | 12% |
| 01 Apr 2019 - 30 Sept 2019 | 29 Oct 2019 | 31 | 45% | 54% | 1% | 4% |
| 01 Oct 2018 - 31 Mar 2019 | 29 Apr 2019 | 31 | 49% | 49% | 2% | 3% |
| 01 Apr 2018 - 30 Sept 2018 | 30 Oct 2018 | 33 | 44% | 54% | 2% | 3% |
Payment Time Trends
Payment Distribution Trends
Invoice Payment Practices
This information is as reported by the business, and responses are in their own words.
Payment Terms
Standard payment terms
We operate an end of month payment run, and our standard terms are to make payments at the end of the month following the date of invoice. Depending on the invoice date this can be 30-60 days. We also have agreements in place with certain suppliers with specific terms.
Were there any changes to the standard payment terms in the reporting period?
No information available
Any other information about payment terms
Payment for the majority of our suppliers is via a monthly BACS payment run. Some of our suppliers are paid via Direct Debit and Standing Orders.
Maximum contractual payment period agreed
60
Dispute Resolution Process
All disputes relating to invoice payment should be referred to the accounts payable team via e-mail (accounts@ramsdensfinancial.co.uk) or telephone (01642 579975 - option4). Disputes should include values and invoice numbers to assist the process. The accounts payable team will liaise internally with the relevant department to resolve any outstanding issues and provide progress updates as required.
Other Payment Information
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.
❌
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.
❌
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.
❌
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?
❌
During the reporting period, did the business deduct sums from payments as a charge for remaining on a supplier list?
No information available
Company Summary
RAMSDENS FINANCIAL LIMITED is an active private limited company operating within the financial sector
Its company name indicates a specialisation in financial services
Incorporated on 12 April 1995, the company is registered under company number 03045495
Its registered office is located at 16 Falcon Court, Preston Farm Industrial Estate, Stockton-On-Tees, England, TS18 3TS, within the North East region
Companies operating within the UK financial sector typically provide a broad spectrum of services
These commonly include financial advisory, investment management, various lending solutions, and other related financial planning or brokerage activities
