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M.R. Ratcliffe Consultants Limited

02127940

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)
  • Current liabilities exceed current assets (-10)

Details

WOLSELEY HOUSE, CHELTENHAM, GL50 1TH
Incorporated 05/05/1987

Compliance

Last accounts

30/06/2024

small

Next accounts due

30/06/2026

On track

Confirmation statement

Last: 27/04/2026

Due 11/05/2027

On track

Industry

65120
Non-life insurance

Officers

Mr Michael Richardson Ratcliffe

director · Since 30/04/1992

DIRECTOR

BRITISH · UNITED KINGDOM · Age 80

Also on 36 other boards

Mrs Patricia Rose Ratcliffe

director · Since 30/04/1992

DIRECTOR

BRITISH · UNITED KINGDOM · Age 89

Also on 13 other boards

Mrs Patricia Rose Ratcliffe

secretary · Since 28/03/2016

Also on 13 other boards

Persons with Significant Control

Mr Michael Richardson Ratcliffe

50–75% shares
50–75% votes

British · United Kingdom · Age 80

Wolseley House, Oriel Road, Cheltenham, GL50 1TH

Notified 30/04/2017

Mrs Patricia Rose Ratcliffe

25–50% shares
25–50% votes

British · United Kingdom · Age 89

Wolseley House, Oriel Road, Cheltenham, GL50 1TH

Notified 18/04/2023

Charges0 outstanding

charge
satisfied

NATIONAL WESTMINSTER BANK PLC

Created 03/11/2010Registered 05/11/2010Satisfied 19/09/2017

CompanyRankvs 796+ SIC 65120 peers
70

Financial strength81th percentile among SIC peers · 20/25
Employees96th percentile among SIC peers · 14/15
LiquidityCurrent ratio 0.86× · 6/20
Longevity15 years trading (max 15) · 15/15
Filing complianceAll filings up to date · 15/15
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How is this score calculated?
Financial strength20/25 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.

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.

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

Key FinancialsYear ending 30/06/2024

Net Worth

£348k

Balance sheet strength

Cash

£393k

Cash in the bank

Net Current Assets

-£290k

Working capital

Current Assets

£1.8M

Current Liabilities

£2.1M

Fixed Assets

£1.0M

Debtors

£1.4M

31avg. employees-2

Balance Sheet

Assets less current liabilities£734k
Prepared with CCH Software

EstimatesDerived

YearCurrent RatioImplied Profit
20240.86+£23k
20230.92-£98k
20210.96

Derived from filed accounts. Not audited figures.