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Whispering Smith Limited

01945392

active
Private Limited Company
Companies House
Health Score
70 / 100

Some Concerns

30/30
Filing
10/30
Financial
30/40
Risk
  • Loss before tax (-10)
  • Going concern doubt noted in accounts (-10)
  • 7 outstanding charges (-10)

Details

THE EXCHANGE, BURY, BL9 0DN
Incorporated 06/09/1985

Compliance

Accounts

Up to date

Confirmation statement

Up to date

Industry

46420
Wholesale of clothing and footwear

Officers

Mr Rajan Kumar

secretary · Since 13/03/1992

BRITISH · ENGLAND · Age 64

Also on 45 other boards

Mr Rajan Kumar

director · Since 13/03/1992

DIRECTOR

BRITISH · ENGLAND · Age 64

Also on 45 other boards

Diane Heslop

director · Since 04/03/1999

FINANCE DIRECTOR

BRITISH · UNITED KINGDOM · Age 64

Also on 3 other boards

Mr Brian King

director · Since 01/01/2007

DIRECTOR

BRITISH · ENGLAND · Age 69

Mr Rohil Rajan Kumar

director · Since 29/03/2018

DIRECTOR

BRITISH · ENGLAND · Age 33

Also on 5 other boards

Ms Rohina Kumar

director · Since 29/03/2018

DIRECTOR

BRITISH · ENGLAND · Age 35

Also on 1 other board

Mr Samuel William Hill

director · Since 06/03/2024

FINANCE DIRECTOR

BRITISH · ENGLAND · Age 41

Also on 1 other board

Persons with Significant Control

Whispering Smith Group Limited

75–100% shares

The Exchange, Bank Street, Bury, BL9 0DN

Notified 01/03/2017

Charges7 outstanding

Charge
outstanding

SANJAY KUMAR

Created 22/04/2026Registered 08/05/2026
Charge
outstanding

BARCLAYS SECURITY TRUSTEE LIMITED

Created 22/04/2026Registered 01/05/2026
Charge
outstanding

BARCLAYS BANK PLC

Created 10/04/2026Registered 14/04/2026
Charge
outstanding

BARCLAYS SECURITY TRUSTEE LIMITED AS SECURITY TRUSTEE FOR AND ON BEHALF OF THE SECURED PARTIES

Created 21/05/2021Registered 26/05/2021
Charge
outstanding

BARCLAYS SECURITY TRUSTEE LIMITED AS SECURITY TRUSTEE FOR AND ON BEHALF OF THE SECURED PARTIES

Created 21/05/2021Registered 26/05/2021
charge
outstanding

BARCLAYS BANK PLC

Created 10/01/2013Registered 18/01/2013
charge
outstanding

BARCLAYS BANK PLC

Created 03/01/2013Registered 12/01/2013
charge
satisfied

HSBC BANK PLC

Created 18/10/2010Registered 19/10/2010Satisfied 26/09/2013
charge
satisfied

BARCLAYS BANK PLC

Created 22/06/1993Registered 30/06/1993Satisfied 21/06/1994

CompanyRankvs 417+ SIC 46420 peers
63

Financial strength100th percentile among SIC peers · 25/25
Employees50th percentile among SIC peers · 8/15
LiquidityCurrent ratio 2.72× · 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.

Employees8/15 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

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 financial statements are authorised for issue. Our responsibilities and the responsibilities of the directors with respect to

Key FinancialsYear ending 31/03/2025

Net Worth

£23.8M

Balance sheet strength

Cash

£537k

Cash in the bank

Profit Before Tax

-£1.5M

Bottom line earnings

Net Current Assets

£19.9M

Working capital

Current Assets

£31.5M

Current Liabilities

£11.6M

Fixed Assets

£4.2M

Debtors

£14.6M

Admin Expenses

£12.4M

Profit After Tax

-£1.2M

1avg. employees-143

Tax at Year End

Dividends paid£1.5M

Director Loans(2023)

Company owes directors£27k
Directors owe company£541k

People Costs

Wages & salaries£5.9M

Balance Sheet

Intangible assets£2.5M
Assets less current liabilities£24.1M
Prepared with CCH Software

EstimatesDerived

YearCurrent RatioImplied ProfitEst. Revenue
20252.72-£1.2M
20242.83-£2.5M
20232.87-£4.4M£7.7M
20222.96+£2.8M£12.8M
20212.83+£290k
20203.38

Derived from filed accounts. Not audited figures.