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Creditforce Limited

01396268

active
Private Limited Company
england wales
Companies House
Health Score
75 / 100

Some Concerns

25/30
Filing
10/30
Financial
40/40
Risk
  • No accounts filed in last 18 months (-5)
  • Loss before tax (-10)
  • Going concern doubt noted in accounts (-10)

Details

4 OAKHURST PARK GARDENS, TONBRIDGE, TN11 8BF
Incorporated 26/10/1978

Compliance

Last accounts

31/12/2025

group

Next accounts due

30/09/2027

On track

Confirmation statement

Last: 04/03/2026

Due 18/03/2027

On track

Industry

66190
Other activities auxiliary to financial services

Officers

Mr Giles William Dibdin Heseltine

director · Since 02/10/2014

BANK INVESTMENT MANAGER

BRITISH · ENGLAND · Age 56

Also on 2 other boards

Persons with Significant Control

Mr Andrew Marcus Fox

ownership-of-shares-75-to-100-percent-as-trust
significant-influence-or-control-as-trust

British · England · Age 63

Don Hanson Charitable Foundation, Linden House, Tunbridge Wells, TN4 8HH

Notified 08/10/2025

Mr Simon Mark Joseph Leary

ownership-of-shares-75-to-100-percent-as-trust
significant-influence-or-control-as-trust

British · England · Age 60

Don Hanson Charitable Foundation, Linden House, Tunbridge Wells, TN4 8HH

Notified 08/10/2025

Mr Paul Symington Mercer

ownership-of-shares-75-to-100-percent-as-trust
significant-influence-or-control-as-trust

British · England · Age 65

Don Hanson Charitable Foundation, Linden House, Tunbridge Wells, TN4 8HH

Notified 08/10/2025

Mr Jonathan Sutton Palmer

ownership-of-shares-75-to-100-percent-as-trust
significant-influence-or-control-as-trust

British · England · Age 76

Don Hanson Charitable Foundation, Linden House, Tunbridge Wells, TN4 8HH

Notified 08/10/2025

Former PSCs

Mr Edward Terence Kerr

Ceased 11/12/2019

Mr Malcolm Cohen

Ceased 08/10/2025

Mr Shane Michael Crooks

Ceased 08/10/2025

Charges0 outstanding

charge
satisfied

COUTTS & CO.

Created 29/06/1998Registered 04/07/1998Satisfied 09/04/2015
charge
satisfied

LLOYDS BANK PLC

Created 09/05/1996Registered 16/05/1996Satisfied 31/01/2017
charge
satisfied

CREDITFORCE LIMITED

Created 23/07/1993Registered 24/07/1993Satisfied 31/01/2017
charge
satisfied

CREDITFORCE LIMITED

Created 01/06/1993Registered 12/06/1993Satisfied 31/01/2017
charge
satisfied

BANK JULIUS BAER & CO LTD

Created 20/11/1992Registered 27/11/1992Satisfied 09/04/2015
charge
satisfied

WILLIAMS & GLYNS BANK PLC.

Created 30/07/1982Registered 03/08/1982Satisfied 09/04/2015
charge
satisfied

WILLIAMS & GLYN'S BANK LIMITED

Created 10/08/1981Registered 18/08/1981Satisfied 09/04/2015
charge
satisfied

WILLIAMS & GLYN'S BANK LIMITED

Created 20/05/1981Registered 29/05/1981Satisfied 20/05/2015
charge
satisfied

WILLIAMS & GLYN'S BANK LIMITED

Created 12/12/1980Registered 18/12/1980Satisfied 09/04/2015
charge
satisfied

WILLIAMS & GLYN'S BANK LIMITED

Created 05/09/1980Registered 12/09/1980Satisfied 09/04/2015
charge
satisfied

WILLIAMS & GLYNS BANK LIMITED

Created 26/02/1980Registered 06/03/1980Satisfied 09/04/2015

CompanyRankvs 23+ SIC 66190 peers
79

Financial strength100th percentile among SIC peers · 25/25
Employees95th percentile among SIC peers · 14/15
LiquidityCurrent ratio 10.73× · 20/20
Longevity15 years trading (max 15) · 15/15
Filing complianceAll filings up to date · 15/15
Going concern doubt -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.

Employees14/15 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

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

Going Concern Doubt

we have not identified any material uncertainties relating to events or conditions that, individually or collectively, may cast significant doubt on the company's ability to continue as a going concern for a period of at least twelve months from when the original financial statements were authorised for issue. Our responsibilities and the responsibilities of the directors with respect to going con

Key FinancialsYear ending 31/12/2020

Turnover

£4.7M

Annual revenue

Net Worth

£30.9M

Balance sheet strength

Cash

£10.3M

Cash in the bank

Profit Before Tax

-£211k

Bottom line earnings

Net Current Assets

£24.3M

Working capital

Current Assets

£26.8M

Current Liabilities

£2.5M

Fixed Assets

£7.1M

Debtors

£8.5M

Cost of Sales

£4.6M

Gross Profit

£135k

Admin Expenses

£1.8M

Operating Profit

-£1.2M

Profit After Tax

-£472k

9avg. employees-20

Tax at Year End

Dividends paid-£60k

People Costs

Wages & salaries£404k
NI contributions£49k

Balance Sheet

Bank loans & overdrafts£1.7M
Assets less current liabilities£31.3M

EstimatesDerived

YearCurrent RatioImplied Profit
202010.73-£472k
201942.96+£1.1M
20189.67—

Derived from filed accounts. Not audited figures.