Associated Credits Limited

00512745

active

Private Limited Company

england wales

Companies House

Health Score

80 / 100

Healthy

30/30

Filing

20/30

Financial

30/40

Risk

67 outstanding charges (-10)

Details

78 BLACKBURN ST, RADCLIFFE MANCHESTER, M26 2JW

Incorporated 28/10/1952

Compliance

Last accounts

31/12/2024

total exemption full

Next accounts due

30/09/2026

On track

Confirmation statement

Last: 30/01/2026

Due 13/02/2027

On track

Industry

64910

Financial leasing

Officers

Mr Mark Ashley Whiting

director · Since 02/11/1992

ASSISTANT FINANCIAL CONTROLLER

BRITISH · ENGLAND · Age 62

Also on 26 other boards

Mr Russell Peter Whiting

director · Since 01/12/2010

SENIOR EXECUTIVE NEW BUSINESS

BRITISH · ENGLAND · Age 59

Also on 13 other boards

Mr Mark Ashley Whiting

secretary · Since 06/02/2024

Also on 26 other boards

Persons with Significant Control

Associated Credits Holding Limited

25–50% shares

ownership-of-shares-25-to-50-percent-as-firm

25–50% votes

Appoint directors

78 Blackburn St, Lancaster House, Radcliffe, M26 2JW

Reg: 2339006 · United Kingdom · Limited

Notified 06/04/2016

Valdor Holdings Limited

25–50% shares

ownership-of-shares-25-to-50-percent-as-firm

25–50% votes

Appoint directors

78 Blackburn St, Lancaster House, Radcliffe, M26 2JW

Reg: 1983251 · United Kingdom · Limited

Notified 06/04/2016

Former PSCs

Mr Peter Francis Whiting

Ceased 08/02/2023

Mr Mark Ashley Whiting

Ceased 23/04/2024

Charges67 outstanding

Charge

outstanding

ALDERMORE BANK PLC

Created 23/07/2019Registered 23/07/2019

Charge

outstanding

INVESTEC ASSET FINANCE PLC

Created 16/11/2015Registered 21/11/2015

charge

outstanding

SIEMENS FINANCIAL SERVICES LIMITED

Created 31/10/2006Registered 01/11/2006

charge

outstanding

ING LEASE (UK) LIMITED

Created 25/07/2006Registered 28/07/2006

charge

outstanding

THE ROYAL BANK OF SCOTLAND PLC

Created 01/02/2006Registered 07/02/2006

charge

outstanding

ALLIANCE & LEICESTER COMMERCIAL FINANCE PLC

Created 08/09/2003Registered 20/09/2003

charge

outstanding

FIRST NATIONAL BANK PLC

Created 18/12/2001Registered 05/01/2002

charge

outstanding

FIRST NATIONAL BANK PLC

Created 12/01/2001Registered 19/01/2001

charge

outstanding

BARCLAYS BANK PLC

Created 04/03/1998Registered 12/03/1998

charge

outstanding

JAPAN LEASING (EUROPE) PLC

Created 04/06/1996Registered 07/06/1996

charge

outstanding

SINGER & FRIEDLANDER LEASING LIMITED

Created 21/06/1995Registered 05/07/1995

charge

outstanding

THE CO-OPERATIVE BANK PLC

Created 11/04/1995Registered 12/04/1995

charge

outstanding

YORKSHIRE BANK PLC

Created 20/12/1994Registered 03/01/1995

charge

outstanding

YORKSHIRE BANK PLC

Created 14/10/1994Registered 24/10/1994

charge

outstanding

YORKSHIRE BANK PLC

Created 03/06/1994Registered 09/06/1994

charge

outstanding

CHARTERED TRUST PLC

Created 12/02/1993Registered 26/02/1993

charge

outstanding

CHARTERED TRUST PUBLIC LIMITED COMPANY

Created 05/01/1993Registered 13/01/1993

charge

outstanding

CHARTERED TRUST PLC

Created 12/11/1992Registered 20/11/1992

charge

outstanding

CHARTERED TRUST PUBLIC LIMITED COMPANY

Created 21/10/1992Registered 28/10/1992

charge

outstanding

CHARTERED TRUST PLC

Created 18/09/1992Registered 25/09/1992

charge

outstanding

HITACHI CREDIT (UK) PLC

Created 27/07/1992Registered 01/08/1992

charge

outstanding

BARCLAYS BANK PLC

Created 09/07/1992Registered 16/07/1992

charge

outstanding

CHARTERED TRUST PLC

Created 17/12/1991Registered 03/01/1992

charge

outstanding

CHARTERED TRUST PUBLIC LIMITED COMPANY

Created 10/10/1991Registered 21/10/1991

charge

satisfied

LLOYDS BOWMAKER LIMITED

Created 04/10/1991Registered 18/10/1991Satisfied 20/12/1993

charge

outstanding

LLOYDS BOWMAKER LIMITED

Created 04/10/1991Registered 18/10/1991

charge

satisfied

LLOYDS BOWMAKER LIMITED

Created 13/11/1990Registered 28/11/1990Satisfied 15/02/1992

charge

satisfied

LLOYDS BOWMAKER LIMITED

Created 13/11/1990Registered 28/11/1990Satisfied 15/02/1992

charge

outstanding

CHARTERED TRUST PUBLIIC LIMITED COMPANY

Created 14/11/1990Registered 14/11/1990

charge

outstanding

CHARTERED TRUST PUBLIC LIMITED COMPANY

Created 11/10/1990Registered 22/10/1990

charge

outstanding

THE LEASING CORPORATION PLC

Created 27/06/1990Registered 12/07/1990

charge

outstanding

CHARTERED TRUST PUBLIC LIMITED COMPANY

Created 04/07/1990Registered 06/07/1990

charge

outstanding

CHARTERED TRUST PUBLIC LIMITED COMPANY

Created 29/05/1990Registered 06/06/1990

charge

outstanding

LLOYDS BOWMAKER LIMITED

Created 28/03/1990Registered 06/04/1990

charge

outstanding

LLOYDS BOWMAKER LIMITED

Created 28/03/1990Registered 04/04/1990

charge

outstanding

CHARTERED TRUST PUBLIC LIMITED COMPANY

Created 05/03/1990Registered 08/03/1990

charge

outstanding

N M ROTHSCHILD & SONS LIMITED

Created 09/02/1990Registered 15/02/1990

charge

outstanding

CHARTERED TRUST PUBLIC LIMITED COMPANY

Created 05/02/1990Registered 14/02/1990

charge

satisfied

LLOYDS BOWMAKER LIMITED

Created 19/01/1990Registered 25/01/1990Satisfied 15/02/1992

charge

outstanding

CHARTERED TRUST PUBLIC LIMITED COMPANY

Created 10/01/1990Registered 24/01/1990

charge

satisfied

LLOYDS BOWMAKER LIMITED

Created 10/01/1990Registered 15/01/1990Satisfied 15/02/1992

charge

outstanding

CHARTERED TRUST PUBLIC LIMITED COMPANY

Created 19/10/1989Registered 27/10/1989

charge

outstanding

CHARTERED TRUST PUBLIC LIMITED COMPANY

Created 20/09/1989Registered 29/09/1989

charge

outstanding

HILL SAMUEL BANK LIMITED

Created 03/08/1989Registered 08/08/1989

charge

outstanding

CHARTERED TRUST PUBLIC LIMITED COMPANY

Created 31/05/1989Registered 06/06/1989

charge

outstanding

CHARTERED TRUST PUBLIC LIMITED COMPANY

Created 15/05/1989Registered 22/05/1989

charge

outstanding

CHARTERED TRUST PUBLIC LIMITED COMPANY

Created 05/12/1988Registered 09/12/1988

charge

outstanding

CHARTERED TRUST PUBLIC LIMITED COMPANY

Created 11/10/1988Registered 20/10/1988

charge

outstanding

CHARTERED TRUST PUBLIC LIMITED COMPANY

Created 04/10/1988Registered 10/10/1988

charge

outstanding

CHARTERED TRUST PUBLIC LIMITED COMPANY

Created 27/09/1988Registered 29/09/1988

charge

outstanding

CHARTERED TRUST PUBLIC LIMITED COMPANY

Created 21/04/1988Registered 22/04/1988

charge

outstanding

CHARTERED TRUST PUBLIC LIMITED COMPANY

Created 15/12/1987Registered 18/12/1987

charge

outstanding

CHARTERED TRUST PUBLIC LIMITED COMPANY

Created 30/11/1987Registered 11/12/1987

charge

outstanding

CHARTERED TRUST PUBLIC LIMITED COMPANY

Created 03/11/1987Registered 11/11/1987

charge

outstanding

CHARTERED TRUST PUBLIC LIMITED COMPANY

Created 02/10/1987Registered 06/10/1987

charge

outstanding

CHARTERED TRUST PUBLIC LIMITED COMPANY

Created 02/09/1987Registered 11/09/1987

charge

outstanding

CHARTERED TRUST PUBLIC LIMITED COMPANY

Created 06/04/1987Registered 15/04/1987

charge

outstanding

CHARTERED TRUST PUBLIC LIMITED COMPANY

Created 19/03/1987Registered 01/04/1987

charge

outstanding

CHARTERED TRUST PUBLIC LIMITED COMPANY

Created 06/11/1986Registered 17/11/1986

charge

outstanding

CHARTERED TRUST PLC

Created 13/08/1986Registered 18/08/1986

charge

outstanding

CHARTERED TRUST PLC

Created 20/05/1986Registered 06/06/1986

charge

outstanding

CHARTERED TRUST PLC

Created 03/06/1986Registered 06/06/1986

charge

outstanding

LLOYDS BOWMAKER LIMITED

Created 16/05/1986Registered 28/05/1986

charge

outstanding

CHARTERED TRUST PUBLIC LIMITED COMPANY

Created 14/04/1986Registered 24/04/1986

charge

outstanding

CHARTERED TRUST PUBLIC LIMITED COMPANY

Created 10/03/1986Registered 14/03/1986

charge

outstanding

CHARTERED TRUST PUBLIC LIMITED COMPANY

Created 17/02/1986Registered 18/02/1986

charge

outstanding

CHARTERED TRUST PUBLIC LIMITED COMPANY

Created 05/02/1986Registered 18/02/1986

charge

outstanding

CHARTERED TRUST PUBLIC LIMITED COMPANY

Created 09/12/1985Registered 20/12/1985

charge

outstanding

HITACHI CREDIT (UK) LIMITED

Created 04/12/1985Registered 11/12/1985

charge

outstanding

LLOYDS AND SCOTTISH TRUST LTD

Created 23/02/1981Registered 09/03/1981

charge

outstanding

HILL SAMUEL AND COMPANY LTD

Created 13/06/1980Registered 16/06/1980

charge

satisfied

MERCANTILE CREDIT CO LTD

Created 07/03/1977Registered 07/03/1977Satisfied 25/09/2024

charge

outstanding

BARCLAYS BANK PLC

Created 19/12/1972Registered 27/12/1972

CompanyRankvs 38+ SIC 64910 peers
72

Financial strength87th percentile among SIC peers · 22/25

Employees67th percentile among SIC peers · 10/15

LiquidityCurrent ratio 3.93× · 20/20

Longevity15 years trading (max 15) · 15/15

Filing complianceAll filings up to date · 15/15

Outstanding charges -10

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38Associated Credits Limited

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.

Employees10/15 pts

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

Liquidity20/20 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 31/12/2024

Net Worth

£2.3M

Balance sheet strength

Cash

£176k

Cash in the bank

Net Current Assets

£3.4M

Working capital

Current Assets

£4.5M

Current Liabilities

£1.2M

Fixed Assets

£198k

Debtors

£4.4M

Profit After Tax

£58k

2avg. employees

Tax at Year End(2018)

Corp tax£8k

Balance Sheet

Assets less current liabilities£3.6M

Prepared with CCH Software

EstimatesDerived

Year	Current Ratio	Implied Profit
2024	3.93	+£11k
2023	3.91	+£58k
2022	2.56	+£68k
2021	3.25	+£96k
2020	3.35	+£18k
2019	3.17	+£48k
2018	2.97	+£62k
2017	2.72	—

Derived from filed accounts. Not audited figures.

Associated Credits Limited

Details

Compliance

Industry

Officers

Persons with Significant Control

Charges67 outstanding

CompanyRankvs 38+ SIC 64910 peers72

Key FinancialsYear ending 31/12/2024

EstimatesDerived

CompanyRankvs 38+ SIC 64910 peers
72