BANCON HOMES LIMITED has an average payment time of 48 days, placing the majority of settlements in the 31–60 day band, which accounts for 72% of all payments. Only 4% of invoices are paid within 30 days, indicating a consistent pattern of extended payment cycles rather than prompt settlement. The 24% of payments exceeding 60 days further confirms a structural tendency toward slow payment rather than an isolated or improving trend.
With 12% of payments classified as late, BANCON HOMES LIMITED demonstrates moderate but notable payment unreliability, meaning roughly 1 in 8 invoices will not be settled on agreed terms. The concentration of 72% in the 31–60 day band does suggest a degree of predictability in timing, though the 24% over-60-day tail introduces meaningful cash flow uncertainty for suppliers. The low 4% rate of early payment removes any buffer of goodwill that might otherwise offset the late payment risk.
BANCON HOMES LIMITED presents a moderate-to-elevated payment risk profile, best suited to suppliers who can absorb payment cycles of 45–60 days without operational strain. Suppliers should consider building extended payment terms of net 45–60 days into contracts from the outset to align expectations with actual behaviour and reduce the likelihood of technical late payment disputes. To mitigate cash flow exposure, it is advisable to apply credit limits proportionate to risk tolerance and consider requiring deposits or staged payments on larger orders.
| 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 | 48 | 4% | 72% | 24% | 12% |
This information is as reported by the business, and responses are in their own words.
Standard payment terms
The payment terms adopted are for invoices to be settled in the end of month payment run following the month of the invoice. E.g. April invoice will be paid in the May end of month payment run which is paid to the supplier at the start of June. Alternative payment arrangement can be agreed between the supplier and the company but do not generally exceed 60 days. A payment timetable is agreed for all subcontractors with the subcontractor stating the date by which applications should be received by the company and the payment date agreed, generally these are all 30 or 45 day payment terms.
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
Disputed invoices will be communicated with the supplier through the appropriate department or individual involved. This will be investigated and resolved by the appropriate department and resolved in a timely manner. In respect of subcontractors, our commercial team will resolve the dispute directly with the subcontractor. Complaints from suppliers or subcontractors about payment are dealt with on an individual basis, these can be escalated to the finance director or managing director as appropriate.
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
Bancon Homes Limited is a private limited company operating within the residential property development sector in Scotland. The company's name is indicative of its focus on the construction and sale of new homes to buyers across its operating region.
Incorporated on 22 June 1989, Bancon Homes Limited is registered in Scotland under company number SC118706 and remains an active entity. The company's registered office is located at Burnett House, Burn O'Bennie Road, Banchory, Aberdeenshire, AB31 5ZU, placing it firmly within the north-east of Scotland.
As a residential homebuilder, a company of this type typically undertakes the design, construction, and sale of new-build properties across a range of housing types, including detached, semi-detached, and terraced homes. Such organisations manage the full development lifecycle, from land acquisition and planning through to the completion and handover of finished properties to purchasers.
With over three decades of operation since its incorporation in 1989, Bancon Homes Limited represents an established presence within the Scottish residential construction industry, serving buyers across Aberdeenshire and the wider north-east Scotland region.