Score of 95.4/100 qualifies for PaymentCheck Certification
Vanguard Investments UK, Limited demonstrates a strong payment profile with an average settlement time of just 11 days, well ahead of standard 30-day terms. The vast majority of invoices (93%) are cleared within 30 days, with the remaining 7% falling in the 31–60 day range and no recorded payments exceeding 60 days. This distribution indicates a consistently fast-paying customer with no evidence of extended delays or deteriorating payment behaviour.
The late payment rate of 9% introduces a modest but notable degree of unpredictability, suggesting that while most payments are prompt, a small proportion of invoices encounter processing delays. However, the absence of any payments beyond 60 days confirms that even delayed invoices are resolved within a reasonable timeframe, limiting exposure to prolonged cash flow disruption. Overall, payment behaviour is largely predictable and low-risk, with only minor variability around the edges.
Vanguard Investments UK, Limited represents a low-risk customer and is well-suited for standard or preferential credit terms given its 11-day average payment speed and 93% on-time rate. The 9% late payment figure warrants light monitoring, and suppliers may consider setting soft reminders around day 25 to capture any invoices at risk of slipping past terms. No significant risk mitigation measures are required, making this company a reliable counterparty for ongoing supply relationships.
| 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 | 11 | 93% | 7% | 0% | 9% |
This information is as reported by the business, and responses are in their own words.
Standard payment terms
The Company's standard contractual payment terms for all qualifying contracts during this period were payments within 60 days after invoice receipt date. Other payment terms may apply after negotiation. The agreed payment terms are subsequently reflected in our contractual documentation and accounting system.
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
All invoices and invoice inquiries should be sent to APInquiries@vanguard.com; invoices should be submitted in PDF format. The supplier and company shall use all reasonable endeavors to discuss and resolve and payment dispute. If the parties cannot resolve the dispute within 10 days, the dispute shall be elevated to management
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
Vanguard Investments UK, Limited is registered in London under SIC code 64999, financial intermediation not elsewhere classified. It forms part of the wider Vanguard corporate group, which operates an online investment platform offering stocks and shares ISAs, personal pensions, general investment accounts and junior ISAs, along with over eighty funds and ready made portfolios. The group emphasises low fees, UK based support and regulation by the Financial Conduct Authority, with client money covered by the Financial Services Compensation Scheme. As the UK registered entity, its own role within the group's fund and platform operations is not detailed separately in available evidence, so this summary reflects the group's trading activity rather than confirmed standalone functions of this specific company.
Generated from the company's website and Companies House records. Sources: vanguardinvestor.co.uk