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Investacc Limited

02719226

active
Private Limited Company
england wales
Companies House
Has been liquidated
Insolvency history
Health Score
55 / 100

Notable Risks

25/30
Filing
20/30
Financial
10/40
Risk
  • No accounts filed in last 18 months (-5)
  • Going concern doubt noted in accounts (-10)
  • Active insolvency proceedings (-20)
  • 6 outstanding charges (-10)

Details

SOLWAY HOUSE BUSINESS PARK PARKHOUSE ROAD, CARLISLE, CA6 4BY
Incorporated 01/06/1992

Compliance

Last accounts

31/12/2025

full

Next accounts due

30/09/2027

On track

Confirmation statement

Last: 11/05/2026

Due 25/05/2027

On track

Industry

66190
Other activities auxiliary to financial services

Officers

Mr Nicholas Edwin Gardner

director · Since 27/08/1992

INDEPENDANT FINANCIAL ADVISOR

BRITISH · ENGLAND · Age 63

Also on 14 other boards

Mr Gary Mirfin

director · Since 01/11/2009

FINANCIAL ADVISER

BRITISH · UNITED KINGDOM · Age 65

Also on 10 other boards

Mr William Arthur Self

director · Since 09/10/2024

DIRECTOR

BRITISH · ENGLAND · Age 44

Also on 14 other boards

Ms Antoinette Vanderpuije

secretary · Since 30/04/2026

Persons with Significant Control

Investacc Holdings Limited

75–100% shares
75–100% votes
Appoint directors

Solway House Business Park, Kingstown, Carlisle, CA6 4BY

Reg: 7124618 · England & Wales · Limited Company

Notified 01/11/2016

Former PSCs

Mrs Anne-Marie Gardner

Ceased 09/10/2024

Mr Nicholas Edwin Gardner

Ceased 09/10/2024

Charges6 outstanding

Charge
outstanding

ALTER DOMUS TRUSTEES (UK) LIMITED (FOR ITSELF AS SECURITY TRUSTEE FOR THE SECURED PARTIES (AS D

Created 27/03/2025Registered 01/04/2025
Charge
outstanding

SVENSKA HANDELSBANKEN AB (PUBL)

Created 02/10/2015Registered 06/10/2015
Charge
outstanding

SVENSKA HANDELSBANKEN AB (PUBL)

Created 02/10/2015Registered 06/10/2015
charge
satisfied

LLOYDS TSB BANK PLC

Created 28/02/2012Registered 02/03/2012Satisfied 06/04/2022
charge
satisfied

BRIAN TURNBULL JULIUS STEVENS AND DAVID ANDREW GRAY

Created 15/12/2011Registered 21/12/2011Satisfied 28/10/2022
charge
outstanding

LLOYDS TSB BANK PLC

Created 13/10/2010Registered 21/10/2010
charge
satisfied

NATIONAL WESTMINSTER BANK PLC

Created 17/08/2010Registered 19/08/2010Satisfied 03/06/2021
charge
satisfied

LLOYDS TSB BANK PLC

Created 19/02/2010Registered 23/02/2010Satisfied 17/07/2024
charge
outstanding

LLOYDS TSB BANK PLC

Created 30/10/2009Registered 06/11/2009
charge
outstanding

BARCLAYS BANK PLC

Created 14/08/2009Registered 17/08/2009
charge
satisfied

BARCLAYS BANK PLC

Created 14/08/2009Registered 17/08/2009Satisfied 23/02/2023
charge
satisfied

LLOYDS TSB BANK PLC

Created 05/12/2006Registered 07/12/2006Satisfied 01/02/2022
charge
satisfied

LLOYDS TSB BANK PLC

Created 11/09/2006Registered 13/09/2006Satisfied 28/10/2022
charge
satisfied

THE GOVERNOR AND COMPANY OF THE BANK OF SCOTLAND

Created 05/04/2006Registered 26/04/2006Satisfied 18/05/2021
charge
satisfied

NATIONAL WESTMINSTER BANK PLC

Created 25/11/2005Registered 10/12/2005Satisfied 07/05/2021
charge
satisfied

NATIONAL WESTMINSTER BANK PLC

Created 25/11/2005Registered 10/12/2005Satisfied 07/05/2021

Insolvency History1 case

receiver manager

Mark Daniel Worsley Hardy (receiver manager) · Mark Swiers (receiver manager)

CompanyRankvs 243+ SIC 66190 peers
54

Financial strength88th percentile among SIC peers · 22/25
Employees80th percentile among SIC peers · 12/15
LiquidityCurrent ratio 3.01× · 20/20
Longevity15 years trading (max 15) · 15/15
Filing complianceAll filings up to date · 15/15
Going concern doubt -10Outstanding charges -10Insolvency history -10
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243Investacc Limited
84
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.

Employees12/15 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

Insolvency history: -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 going co

Key FinancialsYear ending 31/10/2023

Turnover

£942k

Annual revenue

Net Worth

£236k

Balance sheet strength

Cash

£326k

Cash in the bank

Profit Before Tax

£81k

Bottom line earnings

Net Current Assets

£237k

Working capital

Current Assets

£355k

Current Liabilities

£118k

Debtors

£29k

Cost of Sales

£799k

Gross Profit

£143k

Admin Expenses

£65k

Operating Profit

£78k

Profit After Tax

£63k

3avg. employees

Tax at Year End

Corp tax£18k
Dividends paid£270k

Balance Sheet

Assets less current liabilities£238k
Prepared with Sage Accounts Production Advanced 2023 - FRS102_2023

EstimatesDerived

YearCurrent Ratio
20233.01

Derived from filed accounts. Not audited figures.