// payment practices, as filed · company 01618500
Joseph Gallagher Ltd: how it pays its suppliers, from its own filing
Joseph Gallagher Ltd reports paying its suppliers in an average of 54 days, with 38% of invoices paid later than the agreed terms, for the period 1 October 2025 to 31 March 2026. Across the 1,496 companies that report on construction contracts, the median is 31 days and 14% late. Every figure below is the company’s own, approved by a director and published on the government register; this page reproduces it and says what it means for a subcontractor.
54 days
Average days to pay
longer than 89% of the 1,496 filers; median 31 days
38%
Paid later than agreed
a higher share than 87% of filers; median 14%
14%
Paid within 30 days
36% took longer than 60 days
The terms it declares
- Standard payment terms
- 45 days
- Maximum contractual period
- 60 days
- Paid in 31 to 60 days
- 50%
- Paid after 60 days
- 36%
- Not paid because of a dispute
- 1%
- Filed on
- 29 April 2026
Their standard terms, in their words
The company's standard payment terms for suppliers are 45 days end of month. Specific payment terms may be agreed with individual suppliers as necessary to ensure effective and constructive relationships are maintained and that the company is able to conduct its business in accordance with its contractual terms. The company is not currently signed up to any code of conduct or standards of payment practices, but is working towards compliance with the Construction Supply Chain Payment Charter issued by the Construction Leadership Council.
Every filing since Sep 2023
Joseph Gallagher Ltd has filed 6 times. The share paid late is down 1 points on the previous filing, and the average days to pay down 1 days. The first filing, for the period to 30 September 2023, reported 56 days and 44% late.
| Period to | Days to pay | Paid late | Within 30 days | Over 60 days |
|---|---|---|---|---|
| 31 March 2026 | 54 | 38% | 14% | 36% |
| 30 September 2025 | 55 | 39% | 14% | 28% |
| 31 March 2025 | 48 | 37% | 15% | 29% |
| 30 September 2024 | 53 | 40% | 13% | 32% |
| 31 March 2024 | 54 | 45% | 15% | 34% |
| 30 September 2023 | 56 | 44% | 10% | 41% |
Retention
- Retention clauses in construction contracts
- yes
- Standard retention rate
- not stated
- In all construction contracts
- no
- Same terms they receive from their own client
- yes
- When they apply retention
- Retention clauses are only used where subcontractor works form a significant part of the company's total contract costs and the company is subject to retentions deducted by the main contractor.
- On parity with their client
- Retention clauses are only used where subcontractor works form a significant part of the company's total contract costs and the company is subject to retentions deducted by the main contractor.
What this means if you are pricing work for them
The share paid later than agreed is the number to read first, because a short term makes an invoice late sooner and a long one hides lateness inside the term. Joseph Gallagher Ltd is above the median on that measure, so build the delay into your cash flow before you sign. The average days to pay sits over the median.
A worked example on a 30-day term: an invoice of £10,000.00 paid on this company’s average, 24 days after the final date, carries £77.26 of statutory interest at 11.75% plus the fixed sum, £177.26 in all, which the law lets you add without a clause. Run your own figures.
Against the official benchmark: the Department for Business and Trade’s statistics for 2025, published 14 July 2026, put large construction businesses at 33 days to pay with 14% of invoices late by number (13% by value), and all large businesses at 32 days and 15% late. Joseph Gallagher Ltd is slower than the sector figure. Its late share is above the sector figure.
What the register does not show: it is self-reported, large companies only, and the filing covers the whole company, not your contract. Read it alongside the notice rules that decide what you are actually owed, and keep your own dates.
Questions subcontractors ask about Joseph Gallagher Ltd
- How long does Joseph Gallagher Ltd take to pay its suppliers?
- Joseph Gallagher Ltd reported an average of 54 days to pay an invoice for 1 October 2025 to 31 March 2026, with 14% of invoices paid within 30 days and 36% taking longer than 60 days. The official 2025 figure for large construction businesses is 33 days.
- Does Joseph Gallagher Ltd pay late?
- By its own filing, 38% of Joseph Gallagher Ltd's invoices were paid later than the agreed terms, against 14% across large construction businesses in 2025 and a median of 14% among the 1,496 companies on this register that declare construction contracts. That is down 1 points on its previous filing (39% for the period to 30 September 2025).
- Does Joseph Gallagher Ltd hold retention?
- Yes. Joseph Gallagher Ltd declares retention clauses in its construction contracts, though not in all of them. The filing's own wording is quoted above.
- Can I charge Joseph Gallagher Ltd interest on a late invoice?
- Yes, under the Late Payment of Commercial Debts (Interest) Act 1998, from the day after the final date for payment, at 8% over the Bank of England base rate plus a fixed sum per invoice, without any clause in the contract. The calculator works it out for your figures.
Source: the company’s own report on the government’s payment practices service, report 111302, made under the Reporting on Payment Practices and Performance Regulations 2017 and reproduced under the Open Government Licence v3.0. Register copy taken 2 October 2026; comparisons are against the latest filing of each of the 1,496 companies declaring construction contracts. Figures are as filed, not judged. Not legal advice.
// read next
- Pay less notice: what it must say and when it must arriveWhat a pay less notice must contain under s.111 of the Construction Act, the deadline (contract or 7 days before the final date), and what happens if it's late.
- Late payment interest rate UK: how the 8% over base rule works, and why the date mattersUK late payment interest is 11.75% for business invoices due from 1 July 2026. How it is set, the £40/£70/£100 fixed sums, and a worked example on £18,400.
- Which main contractors pay late? What the payment practices register saysTen UK main contractors' filed payment figures: average days to pay, share paid late, report links. Median of 1,496 construction filers: 31 days, 14% late.
- Every company that files on construction contractsThe full A to Z, 1,496 filers, each with its own page.