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L & R Saddles Ltd.

02756473

active
Private Limited Company
Companies House
Health Score
78 / 100

Some Concerns

30/30
Filing
10/30
Financial
38/40
Risk
  • Current liabilities exceed current assets (-10)
  • 1 outstanding charge (-2)

Details

CLIFFORD HOUSE, WALSALL, WS4 2AR
Incorporated 16/10/1992

Compliance

Accounts

Up to date

Confirmation statement

Up to date

Industry

15120
Manufacture of luggage, handbags and the like, saddlery and harness

Officers

Mrs Janet Gladys Lovatt

secretary · Since 16/10/1992

BRITISH · UNITED KINGDOM · Age 76

Also on 5 other boards

Mrs Janet Gladys Lovatt

director · Since 16/10/1992

ACCOUNTANT

BRITISH · UNITED KINGDOM · Age 76

Also on 5 other boards

Mr Stephen Alfred Lovatt

director · Since 16/10/1992

SADDLER

BRITISH · UNITED KINGDOM · Age 77

Also on 1 other board

Persons with Significant Control

Mr Stephen Alfred Lovatt

Appoint directors
right-to-appoint-and-remove-directors-as-trust
right-to-appoint-and-remove-directors-as-firm

British · United States · Age 77

Clifford House, Walsall, WS4 2AR

Notified 06/04/2016

Charges1 outstanding

charge
outstanding

THE ROYAL BANK OF SCOTLAND PLC

Created 24/07/1995Registered 02/08/1995

CompanyRankvs 31+ SIC 15120 peers
77

Financial strength93th percentile among SIC peers · 23/25
Employees94th percentile among SIC peers · 14/15
LiquidityCurrent ratio 4× · 20/20
Longevity15 years trading (max 15) · 15/15
Filing complianceAll filings up to date · 15/15
Outstanding charges -10
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31L & R Saddles Ltd.
87
How is this score calculated?
Financial strength23/25 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.

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

Outstanding charges: -10 pts

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

Key FinancialsYear ending 31/08/2025

Net Worth

£146k

Balance sheet strength

Cash

£20k

Cash in the bank

Net Current Assets

£127k

Working capital

Current Assets

£170k

Current Liabilities

£43k

Fixed Assets

£18k

Debtors

£82k

7avg. employees

Balance Sheet

Assets less current liabilities£146k
Prepared with Sage Accounts Production Advanced 2024 - FRS102_2024

EstimatesDerived

YearCurrent RatioImplied Profit
20254.00+£0
20254.00-£35k
20245.66-£6k
20234.65+£29k
20225.29+£4k
20215.06+£2k
20209.00-£2k
20197.65+£4k
20188.14—

Derived from filed accounts. Not audited figures.