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Finstore Limited

02579248

active
Private Limited Company
Companies House
Health Score
84 / 100

Healthy

30/30
Filing
20/30
Financial
34/40
Risk
  • 3 outstanding charges (-6)

Details

21 HEAVITREE ROAD, EXETER, EX1 2LD
Incorporated 01/02/1991

Compliance

Accounts

Up to date

Confirmation statement

Up to date

Industry

68209
Other letting and operating of own or leased real estate

Officers

Mr James Edward Carnell

director · Since 30/05/1997

COMPANY DIRECTOR

BRITISH · UNITED KINGDOM · Age 51

Also on 7 other boards

Mr David Allen Carnell

director · Since 01/11/2018

COMPANY DIRECTOR

BRITISH · UNITED KINGDOM · Age 79

Also on 7 other boards

Persons with Significant Control

Mr David Clement

ownership-of-shares-75-to-100-percent-as-trust
voting-rights-75-to-100-percent-as-trust

British · England · Age 80

21, Heavitree Road, Exeter, EX1 2LD

Notified 30/06/2023

Former PSCs

Mr John Kelsey Henry Megson

Ceased 04/02/2019

Mr Stephen John Forman

Ceased 04/02/2019

Mr James Edward Carnell

Ceased 04/02/2019

Mr David Allen Carnell

Ceased 04/02/2019

Mrs Charlotte Elizabeth Hornung

Ceased 30/06/2023

Mr Benjamin Lee Francis Hornung

Ceased 30/06/2023

Charges3 outstanding

charge
outstanding

LLOYDS TSB BANK PLC

Created 19/09/2008Registered 23/09/2008
charge
outstanding

LLOYDS TSB BANK PLC

Created 19/09/2008Registered 23/09/2008
charge
outstanding

LLOYDS TSB BANK PLC

Created 19/09/2008Registered 23/09/2008
charge
satisfied

DAVID ALLEN CARNELL AND NSS TRUSTEES LIMITED

Created 16/05/2008Registered 20/05/2008Satisfied 23/01/2017
charge
satisfied

BRIDGING FINANCE LIMITED

Created 17/10/2007Registered 19/10/2007Satisfied 23/01/2017
charge
satisfied

WOOLWICH PLC

Created 07/01/2005Registered 12/01/2005Satisfied 17/09/2008
charge
satisfied

WOOLWICH PLC

Created 07/01/2005Registered 12/01/2005Satisfied 17/09/2008
charge
satisfied

WOOLWICH PLC

Created 07/01/2005Registered 12/01/2005Satisfied 17/09/2008
charge
satisfied

WOOLWICH PLC

Created 05/11/2004Registered 10/11/2004Satisfied 23/01/2017
charge
satisfied

WOOLWICH PLC

Created 28/12/2001Registered 08/01/2002Satisfied 17/09/2008
charge
satisfied

WOOLWICH PLC

Created 28/12/2001Registered 08/01/2002Satisfied 17/09/2008
charge
satisfied

WOOLWICH PLC

Created 28/12/2001Registered 08/01/2002Satisfied 04/11/2008
charge
satisfied

WOOLWICH PLC

Created 28/12/2001Registered 08/01/2002Satisfied 17/09/2008
charge
satisfied

WOOLWICH PLC

Created 28/12/2001Registered 08/01/2002Satisfied 04/11/2008
charge
satisfied

WOOLWICH PLC

Created 28/12/2001Registered 03/01/2002Satisfied 04/11/2008
charge
satisfied

WOOLWICH PLC

Created 28/12/2001Registered 03/01/2002Satisfied 17/09/2008
charge
satisfied

WOOLWICH PLC

Created 28/12/2001Registered 03/01/2002Satisfied 17/09/2008
charge
satisfied

WOOLWICH PLC

Created 28/12/2001Registered 03/01/2002Satisfied 17/09/2008
charge
satisfied

WOOLWICH PLC

Created 28/12/2001Registered 03/01/2002Satisfied 04/11/2008
charge
satisfied

NATIONWIDE BUILDING SOCIETY

Created 29/07/1999Registered 04/08/1999Satisfied 17/09/2008
charge
satisfied

NATIONWIDE BUILDING SOCIETY

Created 04/02/1997Registered 06/02/1997Satisfied 17/09/2008
charge
satisfied

NATIONWIDE BUILDING SOCIETY

Created 04/02/1997Registered 06/02/1997Satisfied 17/09/2008
charge
satisfied

BANK LEUMI (UK) PLC,

Created 09/09/1994Registered 20/09/1994Satisfied 17/09/2008
charge
satisfied

BANK LEUMI UK PLC

Created 01/07/1993Registered 02/07/1993Satisfied 17/09/2008
charge
satisfied

BANK LEUMI (UK) PLC

Created 14/09/1992Registered 16/09/1992Satisfied 17/09/2008
charge
satisfied

BANK LEUMI (UK) PLC

Created 14/09/1992Registered 16/09/1992Satisfied 17/09/2008
charge
satisfied

BANK LEUMI (UK) PLC

Created 13/08/1992Registered 17/08/1992Satisfied 17/09/2008
charge
satisfied

BANK LEUMI (UK) PLC

Created 21/07/1992Registered 23/07/1992Satisfied 17/09/2008
charge
satisfied

BANK LEUMI (UK) PLC

Created 12/05/1992Registered 22/05/1992Satisfied 17/09/2008

CompanyRankvs 76022+ SIC 68209 peers
47

Financial strength86th percentile among SIC peers · 22/25
Employees18th percentile among SIC peers · 3/15
LiquidityCurrent ratio 0.01× · 2/20
Longevity15 years trading (max 15) · 15/15
Filing complianceAll filings up to date · 15/15
Outstanding charges -10
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76022Finstore Limited
57
How is this score calculated?
Financial strength22/25 pts

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

Employees3/15 pts

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

Liquidity2/20 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 28/02/2025

Net Worth

£284k

Balance sheet strength

Cash

£841

Cash in the bank

Net Current Assets

-£441k

Working capital

Current Assets

£6k

Current Liabilities

£447k

Fixed Assets

£1.6M

Debtors

£5k

0avg. employees-4

Balance Sheet

Intangible assets£0
Assets less current liabilities£1.2M
Prepared with CCH Software

EstimatesDerived

YearCurrent RatioImplied Profit
20250.01-£68k
20240.01+£254k
20230.04-£101k
2022—-£17k

Derived from filed accounts. Not audited figures.