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T. Spencer Building And Joinery Limited

01472159

active
ltd
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)
  • 5 outstanding charges (-10)

Details

Lyndhurst, 1 Cranmer Street, Long Eaton, NG10 1NJ
Incorporated 10/01/1980

Compliance

Last accounts

31/03/2025

total exemption full

Next accounts due

31/12/2026

On track

Confirmation statement

Last: 28/11/2025

Due 12/12/2026

On track

Industry

43390
Other building completion and finishing

Officers

Sharon Spencer

director

British · England · Age 70

James Spencer

secretary · Since 24/05/2010

British

James Spencer

director · Since 13/12/2022

British · England · Age 36

Persons with Significant Control

Mrs Sharon Spencer

75–100% shares

British · England · Age 70

Lyndhurst, 1 Cranmer Street, Long Eaton, NG10 1NJ

Notified 06/04/2016

Charges5 outstanding

charge
outstanding

LLOYDS BANK PLC

Created 06/06/1994Registered 24/06/1994
charge
outstanding

LLOYDS BANK PLC

Created 20/05/1994Registered 26/05/1994
charge
outstanding

LLOYDS BANK PLC

Created 20/05/1994Registered 24/05/1994
charge
outstanding

LLOYDS BANK PLC

Created 13/05/1994Registered 20/05/1994
charge
outstanding

LLOYDS BANK PLC

Created 29/04/1994Registered 05/05/1994

Change History

status → active
2026-06-07

Active

type → ltd
2026-06-07

Private Limited Company

address line1 → Lyndhurst
2026-06-07

LYNDHURST

post town → Long Eaton
2026-06-07

LONG EATON

CompanyRankvs 13190+ SIC 43390 peers
54

Financial strength97th percentile among SIC peers · 24/25
Employees25th percentile among SIC peers · 4/15
LiquidityCurrent ratio 0.69× · 6/20
Longevity15 years trading (max 15) · 15/15
Filing complianceAll filings up to date · 15/15
Outstanding charges -10
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13190T. Spencer Building And Joinery Limited
60
How is this score calculated?
Financial strength24/25 pts

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

Employees4/15 pts

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

Liquidity6/20 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 31/03/2025

Net Worth

£713k

Balance sheet strength

Cash

£31k

Cash in the bank

Net Current Assets

-£20k

Working capital

Current Assets

£44k

Current Liabilities

£64k

Fixed Assets

£865k

Debtors

£13k

1avg. employees

Tax at Year End(2023)

Corp tax£5k

Balance Sheet

Assets less current liabilities£845k
Signed by Mr James Spencer Mrs Sharon Spencer 18/11/2025Prepared with Acorah Software Products - Accounts Production

EstimatesDerived

YearCurrent RatioImplied Profit
20250.69+£788
20240.75+£34k
20230.87—

Derived from filed accounts. Not audited figures.