ActiveFilings currentBefore I invoice

Monzo Bank Ltd

A client-focused reading of the public record: payment capacity, financial resilience, and whether tighter terms are sensible before you invoice.

Company number
04366849
Incorporated
31 January 2002
Status meaning
Record currently orderly
Entity snapshot

Broadwalk House, 5 Appold Street, London, EC2A 2AG, United Kingdom

Why this report matters

Filing discipline is currently reasonable from the public record.

Sources used
Companies House
FCA context
Decision frame
Tighter terms are sensible

There is enough uncertainty or weakness here that credit exposure should be managed actively rather than treated as routine. Coverage is broad enough that the recommendation can lean more heavily on confirmed records than on inference alone.

Case type
Managed-risk case
Confidence
Stronger confidence
Filing posture
Filings broadly current
Official records
1 adverse official record...
Immediate posture
Use shorter payment terms or partial upfront billing.

This is workable, but terms discipline should carry more weight than it would with a cleaner payer.

Main reasons
Long supplier payment cycle
Hard official records
Other regulator-linked records exist in cache and add formal context beyond the accounts.
Pattern-based judgement
Payment capacity: Disclosed cash is £4,620,000,000, which affects how comfortably short-term bills can be cleared.
Payment capacity: There is enough disclosure to judge payment capacity directly rather than from proxies alone.
Payment behaviour: Accounts look up to date, which supports trust in financial housekeeping.
What remains uncertain
Payment Practices Reporting does not apply to many businesses, so direct large-company payment-behaviour evidence may be unavailable.
Vettit score
Client Reliability Score

A practical judgement layer over the public record, not a hidden credit file.

Moderate risk
67
Moderate risk
0 to 100 scale
Set the caution level.
Check the strongest drivers.
Treat missing disclosure as uncertainty.
Low risk 80+Moderate 60-79Elevated 40-59High risk under 40
Lower risk
Score drivers
Where the judgement is coming from

Each dimension contributes differently to the total score. Start with the strongest driver, then use the rest to see whether the risk is concentrated or broad.

Most influential dimension
Payment capacity is doing the most work here

Revenue trend is not disclosed in structured data.

Payment capacity
Weight 30%
69/100
30% of score
Revenue trend is not disclosed in structured data.
Payment behaviour
Weight 25%
61/100
25% of score
Accounts look up to date, which supports trust in financial housekeeping.
Revenue stability
Weight 20%
65/100
20% of score
Revenue growth is not available.
Corporate governance
Weight 15%
72/100
15% of score
Average active director tenure is 4.4 years. Stable leadership usually means fewer internal blockers to getting invoices approved.
Contract risk
Weight 10%
72/100
10% of score
No outstanding charges were found.
Unlock dimension breakdown
See exactly where risk concentrates
Recommended terms posture
Tighter terms are sensible

There is enough uncertainty or weakness here that credit exposure should be managed actively rather than treated as routine.

1 adverse official record surfaced across enforcement, governance, insolvency, or regulator overlays.
Stronger confidence: Coverage is broad enough that the recommendation can lean more heavily on confirmed records than on inference alone.
Recommended next steps
1Use shorter payment terms or partial upfront billing.
2Reduce unsecured exposure until payment behaviour is proven.
3Escalate quickly if paperwork starts slipping or the buyer changes approver repeatedly.
Key concerns
Long supplier payment cycle
Reassuring signs
Orderly filing behaviourStable leadershipFCA authorisation record
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Red flags
Signals that justify more caution
Long supplier payment cycle
high

Estimated creditor days are high, which can mean suppliers wait longer to be paid.

Why this matters: Public red flags are useful only if they change behaviour: smaller exposure, tighter terms, deeper diligence, or a decision to walk away.
Positive signals
Signals that strengthen confidence
Orderly filing behaviour
strong

Recent filing behaviour looks disciplined.

Why this matters: Positive signals do not remove risk alone, but they can reduce uncertainty when they align with filing discipline and resilience.
Stable leadership
moderate

Stable directors tend to mean fewer approval bottlenecks and fewer surprises.

Why this matters: Positive signals do not remove risk alone, but they can reduce uncertainty when they align with filing discipline and resilience.
FCA authorisation record
moderate

A cached FCA record suggests this finance-related firm is authorised for relevant regulated activity.

Why this matters: Positive signals do not remove risk alone, but they can reduce uncertainty when they align with filing discipline and resilience.
Current source coverage
moderate

Relevant source checks appear current enough that Vettit is not discounting confidence for freshness reasons.

Why this matters: Positive signals do not remove risk alone, but they can reduce uncertainty when they align with filing discipline and resilience.
Filing discipline
Accounts and statutory filing status

A company that struggles to keep its statutory record current deserves more caution than one that files consistently.

Filings broadly current
What matters most here
The statutory record currently looks broadly orderly.

Filing discipline is currently reasonable from the public record.

Last accounts made up to
31 March 2025
Next accounts due
30 September 2026
Confirmation statement
Due 14 February 2026
Company status
Active
Accounts type
full
Trust and freshness
What the report is built from, and how current it is
Deep evidence base
Freshly checked
Report generated on
14 June 2026
Data last updated
14 June 2026
Financials through
Year ended 31 March 2025
Completeness
88%
Freshness framing: Example data is treated as fresh for local product development.
Public-data product, not a credit bureau. Vettit distinguishes fresh checks, cached evidence, and background refresh activity rather than flattening them into one state.
Payment behaviour
Official supplier-payment record

This uses official UK payment-practices reporting where the business is in scope. It is one of the clearest public signals for the client-payment lens.

Payment-practices reporting does not appear to apply here

This reporting regime mainly applies to larger businesses in scope, so it is often not relevant to smaller companies.

Financial view
Latest usable financial snapshot

When disclosure is thin, Vettit leans more heavily on filings, governance, and official records instead of pretending the financial picture is complete.

Year ended 31 March 2025
Financial takeaway
The financial picture is usable, but not clean enough to stand on its own.

Treat this section as one part of the case and confirm the call with filing discipline, governance, and official overlays.

Revenue
£1.3bn
N/A
Operating margin
13.9%
Net assets
£1.6bn
Cash
£4.6bn
Current ratio
1.16
Debt to equity
0.00
Accounts framing: Latest filing type appears to be full. This helps explain why some companies support ratio analysis well while others need more behavioural interpretation.
Unlock financial snapshot
Revenue, margins, and liquidity ratios
Source coverage
How complete today’s official checks were

Vettit can still distinguish positive evidence from absence of evidence, and sources that do not apply are labelled explicitly.

Stronger confidence
Freshly checked: Example data is treated as fresh for local product development.
Companies House mirror
Fresh

Core company profile is available.

Structured accounts
Fresh

Structured account fields are available.

Sector benchmarks
Fresh

Sector benchmark context is available.

FCA
Fresh

The FCA check was relevant for this example and completed successfully.

Fair Payment Code
No record found

No Fair Payment Code award was matched for this example company.

The Gazette
No record found

The Gazette was checked and no relevant notice was matched.

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