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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.

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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›SHOP DIRECT FINANCE COMPANY LIMITED

SHOP DIRECT FINANCE COMPANY LIMITED

PaymentCheck Score 2025
16Very Poor
↓ 3.8vs last year
#4506 in UK
#450 in Financial Services
#368 in North West

Company Information

Company Number
04660974
Registered Address
First Floor, Skyways House, Speke Road, Speke, Liverpool, United Kingdom, L70 1AB
Status
Active
Employee Count
900
Turnover
£422,300,000
EBITDA
£197,300,000

Additional Details

Website
https://www.arrearssupport.com/
Company Type
Private limited Company
Incorporated On
10 February 2003
Nature of Business
64929 - Other credit granting not elsewhere classified
64999 - Financial intermediation not elsewhere classified
Industries
Financial Services, Software
Region
North West

Time to Pay

Average Time to Pay
60 days
Shortest Period:90 days
Longest Period:0 days
Max Contractual:90 days

Payment Timeline

Within 30 Days
0%
31-60 Days
43%
After 60 Days
57%
Not Paid Within Terms100%

Payment Features

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

Payment Score History

Excellent (80+) Good (60-79) Fair (40-59) Poor (20-39) Very Poor (<20)

Performance Reports History

Reporting Period Filed: 2025-07-31
Reporting PeriodFiling DateAverage Time to Pay (days)Paid within 30 daysPaid 31-60 daysPaid after 60 daysNot Paid within Terms
01 Jan 2025 - 30 Jun 202531 Jul 2025600%43%57%100%
01 Jul 2024 - 31 Dec 202425 Feb 20256412%37%51%100%
01 Jul 2023 - 31 Dec 202330 Apr 20246915%27%58%83%
01 Jan 2023 - 30 Jun 202302 Aug 20236222%28%50%64%
01 Jul 2022 - 31 Dec 202203 Feb 20236215%30%55%93%
01 Jan 2022 - 30 Jun 202202 Aug 20226318%26%56%96%
01 Jan 2021 - 30 Jun 202104 Aug 20216925%22%51%84%
01 Jul 2020 - 31 Dec 202030 Jan 20215228%30%42%87%
01 Jan 2020 - 30 Jun 202011 Aug 20205823%40%37%65%
01 Jul 2018 - 31 Dec 201818 Feb 20196627%18%55%41%
01 Jan 2018 - 30 Jun 201823 Jul 20187520%18%62%25%

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

Standard payment terms are 90 days (but this is negotiable) from date of invoice, with payment made on the next available payment run following the due date.

Were there any changes to the standard payment terms in the reporting period?

No information available

Any other information about payment terms

The Very Group undertakes this analysis in line with our stated payment terms and practices as described above.

Maximum contractual payment period agreed

90

Dispute Resolution Process

Any payment disputes are dealt with by the P2P team in the first instance through dedicated mailboxes with an SLA of 72 hours for resolution. If the matter remains unresolved, it will be escalated to senior management. Ultimately, the matter may go to arbitration with a mutually agreed arbitrator.

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

SHOP DIRECT FINANCE COMPANY LIMITED is a UK-based financial services company that offers a range of products and services to its customers. The company is committed to sustainability and has various initiatives in place to reduce its environmental impact and support local communities.

The company's main products and services include credit cards, personal loans, and insurance. They also offer a range of financial planning tools and resources to help customers manage their finances effectively.

The key people at SHOP DIRECT FINANCE COMPANY LIMITED include the CEO, who oversees the day-to-day operations, and the board of directors, who provide strategic direction and guidance. The company also has a team of experienced financial advisors who work closely with customers to help them achieve their financial goals.

In terms of sustainability, the company has implemented various measures to reduce its carbon footprint, such as using renewable energy sources and promoting recycling and waste reduction. They also have a social responsibility program, which involves supporting local charities and community projects.

Customers can access the company's products and services through their website, which also provides information on their sustainability efforts. The registered office address for SHOP DIRECT FINANCE COMPANY LIMITED is 1st Floor, Skyways House, Speke Road, Speke, Liverpool L70 1AB.

In conclusion, SHOP DIRECT FINANCE COMPANY LIMITED is a reputable financial services company that is committed to sustainability and offers a range of products and services to help customers manage their finances efficiently. Their dedication to sustainability and support for local communities make them a socially responsible choice for customers.

Financial Metrics

Cash
£15,100,000
Net Worth
£267,700,000
Total Current Assets
£1,633,200,000
Total Current Liabilities
£248,300,000

Company Location

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
  • 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