Score of 99.35/100 qualifies for PaymentCheck Certification
C & T RESTAURANTS LIMITED demonstrates an exceptionally strong payment trend, with an average payment time of just 5 days, indicating a consistent practice of early settlement well ahead of standard terms. The overwhelming majority of payments — 98% — are completed within 30 days, leaving minimal exposure in the 31–60 day (1%) and over 60-day (1%) brackets. This distribution suggests a stable and disciplined payment pattern with no indication of deteriorating behaviour.
With only 2% of payments classified as late, C & T RESTAURANTS LIMITED presents a highly predictable and low-risk payment profile, offering suppliers strong confidence in cash flow planning. The negligible volume of delayed payments limits exposure to extended credit risk, and the near-absence of transactions beyond 60 days further reinforces reliability. There are no significant volatility indicators that would suggest systemic payment issues or operational financial stress.
C & T RESTAURANTS LIMITED represents a low-risk, high-reliability trading partner, making them a favourable candidate for standard or even preferential credit terms. The 5-day average payment speed is a strong positive signal for suppliers prioritising rapid working capital recovery. Risk mitigation measures such as credit insurance or strict payment controls are unlikely to be necessary, though routine monitoring of the 2% late payment rate remains advisable as standard practice.
| 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 | 27 Jan 2026 | 5 | 98% | 1% | 1% | 2% |
| 01 Jan 2025 - 30 Jun 2025 | 29 Jul 2025 | 5 | 100% | 0% | 0% | 0% |
This information is as reported by the business, and responses are in their own words.
Standard payment terms
90% of the invoices are paid on a direct debit basis and are collected within 30 days from the date of the invoice. All other invoices are paid within the terms as agreed with the supplier.
Were there any changes to the standard payment terms in the reporting period?
No information available
Any other information about payment terms
No comment required
Maximum contractual payment period agreed
45
As 90% of invoices are paid on a direct debit basis there would be no dispute which would hold up payment, any disputed amount would be credited or debited the following month. The other 10% being smaller local business with long standing personal relationships, would be resolved within the payment terms by a simple phone discussion and an agreed resolution.
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
C & T RESTAURANTS LIMITED is an active private limited company, incorporated on 23 May 2000, based in the East Midlands region. Registered business activity: Unlicensed restaurants and cafes.
From Companies House records.