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Fay & Son Limited

00420728

active
Private Limited Company
england wales
Companies House
Health Score
70 / 100

Some Concerns

30/30
Filing
10/30
Financial
30/40
Risk
  • Current liabilities exceed current assets (-10)
  • 50 outstanding charges (-10)

Details

209 WEST STREET, FAREHAM, PO16 0EN
Incorporated 03/10/1946

Compliance

Last accounts

31/12/2025

unaudited abridged

Next accounts due

30/09/2027

On track

Confirmation statement

Last: 05/10/2025

Due 19/10/2026

On track

Industry

41100
Development of building projects
68100
Buying and selling of own real estate
68209
Other letting and operating of own or leased real estate

Officers

Mr Jonathan Francis Fay

director · Since 08/10/1991

DIRECTOR

BRITISH · ENGLAND · Age 73

Also on 1 other board

Mr Nicholas Stephen Fay

director · Since 08/10/1991

DIRECTOR

BRITISH · UNITED KINGDOM · Age 71

Also on 9 other boards

Persons with Significant Control

Northwood Properties (Fareham) Limited

75–100% shares

209, West Street, Fareham, PO16 0EN

Reg: 00759409 · Uk Companies Register · Private Limited Company

Notified 06/04/2016

Mr Jonathan Francis Fay

Significant control
significant-influence-or-control-as-trust
significant-influence-or-control-as-firm

British · England · Age 73

209, West Street, Fareham, PO16 0EN

Notified 06/04/2016

Mr Nicholas Stephen Fay

Significant control
significant-influence-or-control-as-trust

British · England · Age 71

209, West Street, Fareham, PO16 0EN

Notified 06/04/2016

Charges50 outstanding

charge
outstanding

NATIONAL WESTMINSTER BANK PLC

Created 10/11/2005Registered 15/11/2005
charge
outstanding

NATIONAL WESTMINSTER BANK PLC

Created 02/06/2005Registered 09/06/2005
charge
outstanding

WOOLWICH PLC

Created 06/04/2001Registered 12/04/2001
charge
outstanding

WOOLWICH PLC

Created 06/04/2001Registered 12/04/2001
charge
outstanding

WOOLWICH PLC

Created 06/04/2001Registered 12/04/2001
charge
outstanding

WOOLWICH PLC

Created 06/04/2001Registered 12/04/2001
charge
outstanding

NATIONAL WESTMINSTER BANK PLC

Created 24/09/1999Registered 06/10/1999
charge
outstanding

WOOLWICH PLC

Created 28/05/1999Registered 03/06/1999
charge
outstanding

WOOLWICH PLC

Created 05/05/1999Registered 15/05/1999
charge
outstanding

NATIONAL WESTMINSTER BANK PLC

Created 01/12/1997Registered 05/12/1997
charge
satisfied

LLOYDS BANK PLC

Created 11/12/1996Registered 17/12/1996Satisfied 06/01/1998
charge
outstanding

LLOYDS BANK PLC

Created 08/11/1996Registered 19/11/1996
charge
satisfied

LLOYDS BANK PLC

Created 24/06/1996Registered 05/07/1996Satisfied 06/01/1998
charge
outstanding

LLOYDS BANK PLC

Created 15/03/1996Registered 16/03/1996
charge
outstanding

LLOYDS BANK PLC

Created 04/10/1994Registered 05/10/1994
charge
satisfied

LLOYDS BANK PLC

Created 19/03/1994Registered 20/03/1994
charge
outstanding

LLOYDS BANK PLC

Created 25/04/1990Registered 15/05/1990
charge
outstanding

LLOYDS BANK PLC

Created 16/02/1989Registered 22/02/1989
charge
outstanding

LLOYDS BANK PLC

Created 17/01/1989Registered 27/01/1989
charge
outstanding

LLOYDS BANK PLC

Created 14/10/1988Registered 21/10/1988
charge
outstanding

LLOYDS BANK PLC

Created 16/05/1988Registered 19/05/1988
charge
outstanding

LLOYDS BANK PLC

Created 25/03/1988Registered 29/03/1988
charge
outstanding

LLOYDS BANK PLC

Created 08/09/1987Registered 10/09/1987
charge
outstanding

LLOYDS BANK PLC

Created 27/08/1987Registered 01/09/1987
charge
outstanding

LLOYDS BANK PLC

Created 15/04/1987Registered 22/04/1987
charge
outstanding

LLOYDS BANK PLC

Created 28/11/1986Registered 12/12/1986
charge
outstanding

LLOYDS BANK PLC

Created 30/09/1986Registered 13/10/1986
charge
outstanding

LLOYDS BANK PLC

Created 17/04/1986Registered 24/04/1986
charge
outstanding

LLOYDS BANK PLC

Created 17/04/1986Registered 24/04/1986
charge
outstanding

LLOYDS BANK PLC

Created 16/01/1986Registered 21/01/1986
charge
outstanding

LLOYDS BANK PLC

Created 16/01/1986Registered 21/01/1986
charge
outstanding

LLOYDS BANK PLC

Created 22/08/1985Registered 04/09/1985
charge
outstanding

LLOYDS BANK PLC

Created 22/08/1985Registered 04/09/1985
charge
outstanding

LLOYDS BANK PLC

Created 21/02/1985Registered 26/02/1985
charge
outstanding

LLOYDS BANK PLC

Created 17/01/1985Registered 25/01/1985
charge
outstanding

LLOYDS BANK PLC

Created 26/11/1984Registered 03/12/1984
charge
outstanding

LLOYDS BANK PLC

Created 24/10/1984Registered 05/11/1984
charge
outstanding

LLOYDS BANK PLC

Created 24/10/1984Registered 05/11/1984
charge
outstanding

LLOYDS BANK PLC

Created 03/11/1983Registered 05/11/1983
charge
outstanding

LLOYDS BANK PLC

Created 14/02/1983Registered 23/02/1983
charge
outstanding

LLOYDS BANK PLC

Created 15/07/1981Registered 24/07/1981
charge
satisfied

LLOYDS BANK PLC

Created 02/07/1980Registered 07/07/1980
charge
satisfied

LLOYDS BANK PLC

Created 06/02/1980Registered 06/02/1980
charge
satisfied

LLOYDS BANK PLC

Created 20/03/1978Registered 28/03/1978
charge
outstanding

LLOYDS BANK PLC

Created 06/02/1976Registered 17/02/1976
charge
outstanding

LLOYDS BANK PLC

Created 06/02/1976Registered 17/02/1976
charge
outstanding

LLOYDS BANK PLC

Created 06/02/1976Registered 17/02/1976
charge
outstanding

LLOYDS BANK PLC

Created 06/02/1976Registered 17/02/1976
charge
outstanding

LLOYDS BANK PLC

Created 12/09/1975Registered 17/09/1975
charge
outstanding

LLOYDS BANK PLC

Created 30/06/1975Registered 10/07/1975
charge
outstanding

LLOYDS BANK PLC

Created 16/09/1974Registered 19/09/1974
charge
outstanding

LLOYDS BANK PLC

Created 16/09/1974Registered 19/09/1974
charge
outstanding

LLOYDS BANK PLC

Created 16/09/1974Registered 19/09/1974
charge
outstanding

LLOYDS BANK PLC

Created 16/09/1974Registered 19/09/1974
charge
outstanding

LLOYDS BANK PLC

Created 16/09/1974Registered 19/09/1974
charge
outstanding

LLOYDS BANK PLC

Created 10/06/1971Registered 21/06/1971

CompanyRankvs 28963+ SIC 41100 peers
46

Financial strength89th percentile among SIC peers · 22/25
Employees15th percentile among SIC peers · 2/15
LiquidityCurrent ratio 0.09× · 2/20
Longevity15 years trading (max 15) · 15/15
Filing complianceAll filings up to date · 15/15
Outstanding charges -10
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28963Fay & Son Limited
56
How is this score calculated?
Financial strength22/25 pts

Net worth compared to all companies in the same SIC code with published accounts. Top quartile earns the full 25 points.

Employees2/15 pts

Workforce size relative to sector peers from the most recent accounts. A larger team generally signals commercial scale.

Liquidity2/20 pts

Current assets ÷ current liabilities. A ratio above 2× earns full marks; between 1–2× scores partially; below 0.5× scores minimal points.

Longevity15/15 pts

One point per year of operation since incorporation, capped at 15. Older companies have a proven track record.

Filing compliance15/15 pts

Full 15 points when both annual accounts and confirmation statement are filed on time. Points are deducted for each overdue filing.

Risk deductions

Outstanding charges: -10 pts

Maximum score is 100. Deductions apply for insolvency history, outstanding charges, going concern doubt, or disqualified officers.

Key FinancialsYear ending 31/12/2025

Net Worth

£413k

Balance sheet strength

Cash

£5k

Cash in the bank

Net Current Assets

-£224k

Working capital

Current Assets

£22k

Current Liabilities

£246k

Fixed Assets

£709k

Debtors

£17k

0avg. employees
Prepared with v2026.8.1 limited_company_frs_102_section_1a_v1_1_3 companies_house

EstimatesDerived

YearCurrent RatioImplied Profit
20250.09+£0
20250.09-£10k
20240.15-£8k
20230.19+£13k
20220.19-£5k
20210.23+£177k
20200.06+£1k
20190.04-£3k
20180.05-£18k
20170.10—

Derived from filed accounts. Not audited figures.