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© 2026 Payment Check Ltd

Registered Address: 3rd Floor Suite 207 Regent Street London W1B 3HH

Made by Alastair Campbell

PAYMENTCHECK
HomeCompany SearchBlogAwards
Sectors›Financial Services›HOME RETAIL GROUP CARD SERVICES LIMITED

HOME RETAIL GROUP CARD SERVICES LIMITED

PaymentCheck Score 2025
72Fair
↓ 1.4vs last year
#2927 in UK
#541 in Financial Services
#1254 in London

Company Information

Company Number
04007072
Registered Address
33 Holborn, London, England, EC1N 2HT
Status
Active
Employee Count
282
Turnover
£251,520,000
EBITDA
£55,183,000

Additional Details

Website
https://www.habitat.co.uk/
Company Type
Private limited Company
Incorporated On
2 June 2000
Nature of Business
64921 - Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors
Industries
Financial Services
Region
London
Payment dataScore historyFinancialsLocation

Time to Pay

Average Time to Pay
33 days
Shortest Period:4 days
Longest Period:75 days
Max Contractual:75 days

Payment Timeline

Within 30 Days
49%
31-60 Days
46%
After 60 Days
5%
Not Paid Within Terms1%

Payment Features

Participates in Codes✗ No
E-Invoicing✗ No
Supply Chain Finance✗ No

Performance Reports History

Reporting Period Filed: 2026-04-01
Reporting PeriodFiling DateAverage Time to Pay (days)Paid within 30 daysPaid 31-60 daysPaid after 60 daysNot Paid within Terms
01 Mar 2025 - 28 Feb 202601 Apr 20263349%46%5%1%
01 Mar 2025 - 31 Aug 202501 Oct 20253248%47%5%1%
01 Mar 2024 - 28 Feb 202531 Mar 20253250%46%4%1%
01 Mar 2024 - 31 Aug 202430 Sept 20243348%47%5%1%
01 Mar 2023 - 29 Feb 202402 Apr 20243159%37%4%2%
01 Mar 2023 - 31 Aug 202302 Oct 20233159%36%5%3%
01 Mar 2022 - 28 Feb 202303 Apr 20233551%43%6%11%
01 Mar 2022 - 31 Aug 202230 Sept 20223749%44%7%18%
01 Mar 2021 - 28 Feb 202208 May 20224060%28%12%13%
01 Mar 2021 - 28 Feb 202207 Apr 20227211%21%68%6%
01 Mar 2021 - 31 Aug 202101 Oct 20213659%32%9%8%
01 Mar 2020 - 28 Feb 202112 Apr 20215422%34%44%18%
01 Mar 2020 - 31 Aug 202030 Sept 20205323%40%37%18%
01 Sept 2019 - 29 Feb 202030 Mar 20206519%51%31%19%
01 Mar 2019 - 31 Aug 201930 Sept 20196522%47%31%17%
01 Sept 2018 - 28 Feb 201928 Mar 20195819%49%32%15%

Invoice Payment Practices

This information is as reported by the business, and responses are in their own words.

Payment Terms

Standard payment terms

30 Days from invoice date

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

75

Dispute Resolution Process

Disputes are resolved by negotiation involving the relevant parties

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

HOME RETAIL GROUP CARD SERVICES LIMITED is a UK-based company that provides financial and retail services to customers. It is a subsidiary of Home Retail Group, a leading home and general merchandise retailer in the UK.

The company's main activities include managing and operating the Argos Card and the Homebase Card, which are store credit cards that offer customers various benefits such as discounts, rewards, and flexible payment options. Customers can also use these cards to make purchases at other retailers within the Home Retail Group.

HOME RETAIL GROUP CARD SERVICES LIMITED is committed to sustainability and has implemented a sustainability program to reduce its environmental impact. This includes initiatives such as using sustainable materials for card production and promoting paperless statements to reduce paper waste.

The company's key people include its managing director, Steve Jebson, and its finance director, Mark Lovell. They are supported by a team of experienced professionals who ensure the smooth operation of the company's services.

Customers can contact HOME RETAIL GROUP CARD SERVICES LIMITED through their website, which also provides information on their products and services. The company's registered office address is at 489-499 Avebury Boulevard, Milton Keynes, MK9 2NW.

In summary, HOME RETAIL GROUP CARD SERVICES LIMITED is a UK-based company that provides financial and retail services to customers. It offers store credit cards, has a sustainability program, and is led by a team of experienced professionals. Customers can contact them through their website or at their registered office address.

Financial Metrics

Cash
£4,391,000
Net Worth
£910,000
Total Current Assets
£40,679,000
Total Current Liabilities
£16,723,000

Company Location

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PaymentCheck

Our mission is to change the culture of late payments in the UK and help save over 55,000 companies every year which close due to cashflow issues.

Services

  • Payment Check
  • Business Solutions
  • API Access
  • Invoice Calculator
  • Late Payment Help
  • Get Certified

Company

  • About Us
  • Contact
  • Blog
  • Search Archive
  • Compare
  • EULA
  • Privacy Policy
  • Terms and Conditions

Awards

  • Methodology
  • 2025 Awards
  • 2024 Awards
  • 2023 Awards
  • 2022 Awards
  • 2021 Awards
  • 2020 Awards

Contact

  • office@paymentcheck.co.uk
  • +44 (0) 7915 608 057
  • Send Your Story

© 2026 Payment Check Ltd

Registered Address: 3rd Floor Suite 207 Regent Street London W1B 3HH

Made by Alastair Campbell