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M & J Cosgrove Construction Limited

00925464

active
Private Limited Company
england wales
Companies House
Health Score
79 / 100

Some Concerns

25/30
Filing
20/30
Financial
34/40
Risk
  • No accounts filed in last 18 months (-5)
  • Going concern doubt noted in accounts (-10)
  • 3 outstanding charges (-6)

Details

GROVE HOUSE, CARDIFF, CF14 3JR
Incorporated 03/01/1968

Compliance

Last accounts

03/10/2025

small

Next accounts due

03/07/2027

On track

Confirmation statement

Last: 15/03/2026

Due 29/03/2027

On track

Industry

41201
Construction of commercial buildings
41202
Construction of domestic buildings
43999
Specialised construction activities

Officers

Mr Gary John Cosgrove

director · Since 31/03/1991

BUILDER

BRITISH · WALES · Age 57

Also on 3 other boards

Mr Gary Cosgrove

secretary · Since 14/03/2013

Jamie Caveill

director · Since 27/10/2025

OPERATIONS DIRECTOR

BRITISH · WALES · Age 42

Benjamin Merry

director · Since 27/10/2025

COMMERCIAL DIRECTOR

BRITISH · WALES · Age 34

Persons with Significant Control

Mr Gary John Cosgrove

Significant control

British · Wales · Age 57

Grove House, Cardiff, CF14 3JR

Notified 06/04/2016

Mrs Debbie Ann Jane Cosgrove

Significant control

British · Wales · Age 58

Grove House, Cardiff, CF14 3JR

Notified 06/04/2016

Behring Holdings Ltd

75–100% shares
75–100% votes
Appoint directors

1st Floor St Andrews House, 24 St Andrews Crescent, Cardiff, CF10 3DD

Notified 18/09/2019

Charges3 outstanding

Charge
outstanding

BARCLAYS SECURITY TRUSTEE LIMITED

Created 05/01/2026Registered 07/01/2026
Charge
satisfied

BARCLAYS BANK PLC

Created 29/05/2015Registered 06/06/2015Satisfied 28/02/2025
charge
outstanding

BARCLAYS BANK PLC

Created 02/05/2007Registered 17/05/2007
charge
outstanding

BARCLAYS BANK PLC

Created 10/06/2004Registered 18/06/2004

CompanyRankvs 15+ SIC 41201 peers
70

Financial strength99th percentile among SIC peers · 25/25
Employees97th percentile among SIC peers · 15/15
LiquidityCurrent ratio 4.68× · 20/20
Longevity15 years trading (max 15) · 15/15
Filing complianceAll filings up to date · 15/15
Going concern doubt -10Outstanding charges -10
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How is this score calculated?
Financial strength25/25 pts

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

Employees15/15 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

Going concern doubt: -10 pts

Outstanding charges: -10 pts

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

Going Concern Doubt

is not appropriate; or • the directors' have not disclosed in the accounts any identified material uncertainties that may cast significant doubt about the company's ability to continue to adopt the going concern basis of accounting for a period of at least twelve months from the date when the accounts are authorised for issue. Other information The other information comprises the information inclu

Key FinancialsYear ending 03/10/2022

Turnover

£8.2M

Annual revenue

Net Worth

£4.3M

Balance sheet strength

Cash

£4.1M

Cash in the bank

Profit Before Tax

£830k

Bottom line earnings

Net Current Assets

£4.0M

Working capital

Current Assets

£5.1M

Current Liabilities

£1.1M

Fixed Assets

£343k

Debtors

£970k

Cost of Sales

£7.0M

Gross Profit

£1.1M

Admin Expenses

£283k

Operating Profit

£816k

Profit After Tax

£665k

15avg. employees

Tax at Year End

Corp tax£160k

Director Loans

Directors owe company£290

Balance Sheet

Assets less current liabilities£4.3M
Prepared with BTCSoftware AP Solution 2022 9.6.01

EstimatesDerived

YearCurrent Ratio
20224.68

Derived from filed accounts. Not audited figures.