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Fintilect Limited

01862322

active
Private Limited Company
england wales
Companies House
Health Score
80 / 100

Healthy

30/30
Filing
10/30
Financial
40/40
Risk
  • Going concern doubt noted in accounts (-10)

Details

SDM HOUSING SOFTWARE A3 ELM HOUSE, HOOTON, CH66 7NZ
Incorporated 09/11/1984

Compliance

Last accounts

31/12/2024

small

Next accounts due

30/09/2026

On track

Confirmation statement

Last: 10/07/2025

Due 24/07/2026

Overdue

Industry

62090
Other information technology service activities

Officers

Andrew Humphrey

director · Since 10/09/2025

DIRECTOR

BRITISH · ENGLAND · Age 46

James Mawhinney

director · Since 10/09/2025

DIRECTOR

IRISH · NORTHERN IRELAND · Age 42

Persons with Significant Control

Former PSCs

Cnh Bidco Limited

Ceased 13/12/2019

Rami Cassis

Ceased 29/09/2023

Fintilect Holdings Limited

Ceased 10/09/2025

Charges0 outstanding

Charge
satisfied

GROWTH LENDING 2020 LIMITED

Created 04/05/2021Registered 07/05/2021Satisfied 22/12/2022
Charge
satisfied

RBS INVOICE FINANCE LIMITED

Created 16/02/2017Registered 17/02/2017Satisfied 18/02/2021
charge
satisfied

NATIONAL WESTMINSTER BANK PLC

Created 01/03/2006Registered 09/03/2006Satisfied 18/02/2021

CompanyRankvs 2812+ SIC 62090 peers
71

Financial strength95th percentile among SIC peers · 24/25
Employees99th percentile among SIC peers · 15/15
LiquidityCurrent ratio 1.27× · 12/20
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 strength24/25 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.

Liquidity12/20 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

non-recurring costs, the company would have reported a positive profit and loss reserve of approximately £3.4m at the year end. The directors have assessed the company’s ability to continue as a going concern, taking into account the latest trading performance, existing customer contracts and detailed financial forecasts. These forecasts incorporate expected future revenue streams, secured contrac

Key FinancialsYear ending 31/12/2025

Net Worth

£439k

Balance sheet strength

Cash

£64k

Cash in the bank

Net Current Assets

£415k

Working capital

Current Assets

£2.0M

Current Liabilities

£1.5M

Fixed Assets

£24k

Debtors

£1.9M

30avg. employees-2

Balance Sheet

Intangible assets£13k
Assets less current liabilities£439k
Prepared with CCH Software

EstimatesDerived

YearCurrent RatioImplied Profit
20251.27-£3.5M
20243.19—

Derived from filed accounts. Not audited figures.