Score of 97.7/100 qualifies for PaymentCheck Certification
INSPIRIT PINE TOPCO LIMITED demonstrates a strong payment profile, with an average settlement time of just 11 days, well ahead of standard 30-day terms. The overwhelming majority of payments (97%) are cleared within 30 days, with only a marginal 3% falling into the 31-60 day bracket and nothing beyond 60 days. This distribution indicates a consistently prompt payment pattern with no evidence of prolonged delays or deteriorating payment behaviour.
The payment behaviour is largely predictable and reliable, with a very narrow spread across payment bands suggesting low volatility in settlement timing. However, a 5% late payment rate introduces a modest degree of inconsistency that warrants attention, as it indicates a small but recurring proportion of invoices are not meeting agreed terms despite the fast average. This discrepancy between the low average payment time and the late payment rate may suggest occasional administrative or approval delays on specific invoice types rather than a systemic cash flow issue.
Overall, INSPIRIT PINE TOPCO LIMITED represents a low-risk customer and can be considered a reliable trading partner suitable for standard or preferential credit terms. The 11-day average and 97% within-terms rate are strong indicators of financial health and payment discipline. As a precaution, suppliers may wish to monitor the 5% late payment instances closely and ensure invoice submission processes are clearly aligned to reduce friction on those outlying transactions.
| 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 | 22 Jan 2026 | 11 | 97% | 3% | 0% | 5% |
| 01 Jan 2025 - 30 Jun 2025 | 29 Jul 2025 | 11 | 97% | 3% | 0% | 6% |
| 01 Jul 2024 - 31 Dec 2024 | 30 Jan 2025 | 9 | 99% | 1% | 0% | 3% |
This information is as reported by the business, and responses are in their own words.
Standard payment terms
Payment of time worked to agreed supplier terms, either weekly or monthly payments. Payment terms vary based on supply.
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
client/ contractor query through standard dispute resolution process
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
INSPIRIT PINE TOPCO LIMITED is a private limited company registered and operating in London. As a holding company indicated by the "Topco" designation in its name, it functions as a top-level corporate entity within a group structure.
The company was incorporated on 15 November 2022 and holds company registration number 14486198 with Companies House. Its registered office is situated at 2 Babmaes Street, London, England, SW1Y 6HD, placing it in the heart of the capital.
Top-level holding companies of this type in the UK serve as the uppermost entity within a corporate group, typically holding ownership interests in subsidiary and intermediate companies beneath them. They play a central role in group governance, corporate structuring, and the consolidation of ownership across the wider organisation.
INSPIRIT PINE TOPCO LIMITED maintains an active status with Companies House, confirming it is a currently trading and compliant registered entity within the United Kingdom.