S&W Partners Services Limited maintains an average payment time of 26 days, comfortably within the 30-day threshold, with 79% of payments settled on time. However, the remaining 21% of payments extend beyond 30 days, with 14% falling in the 31–60 day range and a notable 7% exceeding 60 days. This distribution suggests that while the majority of payments are prompt, a meaningful portion experiences significant delays that could impact supplier cash flow.
The late payment rate of 35% is a significant concern, indicating that more than one in three invoices is not settled by the agreed due date, pointing to inconsistent payment behaviour. The presence of 7% of payments exceeding 60 days introduces unpredictability, making cash flow forecasting challenging for suppliers reliant on timely settlement. This level of variability suggests internal process inefficiencies or selective prioritisation of payments rather than a systematic approach to meeting obligations.
S&W Partners Services Limited presents a moderate-to-elevated payment risk profile; while the average payment time is acceptable, the 35% late payment rate and 7% over-60-day tail exposure warrant caution. Suppliers should consider implementing shorter payment terms or requiring partial upfront payments to reduce exposure to delayed settlements. Regular account monitoring and clearly defined escalation procedures are advisable before extending significant credit to this company.
| 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 | 26 | 79% | 14% | 7% | 35% |
| 01 Jan 2025 - 30 Jun 2025 | 16 Jul 2025 | 26 | 73% | 23% | 4% | 39% |
This information is as reported by the business, and responses are in their own words.
Standard payment terms
Std payment terms 30 days
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
Payment disputes or queries are considered and resolved as quickly as possible by the purchaser or authorised approver within the company
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
S&W Partners Services Limited is a private limited company operating within the professional services sector. The company's name indicates a partnership-structured business delivering services to clients, consistent with the professional and financial services firms commonly found in the City of London.
The company is registered in England and Wales under company number 04534022 and maintains its registered office at 45 Gresham Street, London, EC2V 7BG. Incorporated on 12 September 2002, the company has maintained an active trading status for over two decades.
Located in the heart of the City of London, S&W Partners Services Limited operates from one of London's most prominent business districts, an area renowned for its concentration of financial, legal, and professional services organisations. The Gresham Street address places the company amongst a well-established community of corporate and professional service providers.
As a private limited company within the professional services landscape, businesses of this type in the UK market typically provide specialist advisory, consultancy, or support services to corporate and institutional clients, operating within clearly defined regulatory and professional frameworks.