ZEMPLER BANK LIMITED demonstrates a strong payment profile with an average settlement time of just 16 days, well within standard 30-day terms. The vast majority of payments (94%) are completed within 30 days, with only 5% falling into the 31-60 day bracket and a minimal 1% exceeding 60 days. This distribution indicates a consistently fast-paying organisation with very limited exposure to extended delays.
Despite the strong average payment speed, the 12% late payment rate introduces a moderate degree of unpredictability that suppliers should factor into cash flow planning. This figure suggests that while most transactions are processed promptly, a meaningful minority of invoices miss agreed payment deadlines, which may reflect internal processing inconsistencies rather than financial distress. The low proportion of payments beyond 60 days (1%) does, however, confirm that late payments are generally resolved quickly rather than escalating into prolonged disputes.
Overall, ZEMPLER BANK LIMITED represents a low-to-moderate risk payment partner, with strong headline metrics offset slightly by a 12% late payment incidence that warrants attention. Suppliers are advised to engage with standard payment terms of 30 days or fewer, as this aligns with the company's demonstrated behaviour, and to maintain proactive invoice follow-up processes to manage the minority of delayed transactions. Building in light-touch payment reminders around the due date would serve as a practical mitigation strategy without significantly disrupting the commercial relationship.
| 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 Oct 2025 - 31 Mar 2026 | 30 Apr 2026 | 16 | 94% | 5% | 1% | 12% |
This information is as reported by the business, and responses are in their own words.
Standard payment terms
Our standard contractual terms are NET 30 days from the date of invoice
Were there any changes to the standard payment terms in the reporting period?
No information available
Any other information about payment terms
N/A
Maximum contractual payment period agreed
30
In cases of payment disputes, we operate on a standard business basis: we may hold the payment pending resolution and engage directly with the supplier to investigate and resolve the issue. Any queries are typically handled by our Finance or Procurement and Supplier Management teams depending on the nature of the issue.
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
Zempler Bank Limited is a private limited company operating within the UK banking sector. As its name indicates, the organisation functions as a bank, providing financial services to its customers within the regulatory framework governing UK banking institutions.
The company is registered in England and Wales under company number 04947027 and maintains its registered office at Cottons Centre, Cottons Lane, London, SE1 2QG. Zempler Bank Limited was incorporated on 29 October 2003 and remains an active company to this day.
As a UK bank, Zempler Bank Limited operates within a sector that encompasses a broad range of financial products and services. Banks of this type in the UK market are authorised and regulated to accept deposits, provide lending facilities, and deliver financial solutions to personal and business customers alike.
With over two decades of operation since its incorporation, Zempler Bank Limited represents an established presence within the London-based financial services landscape. The company's continued active status reflects its ongoing role within the UK banking sector.