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Wisemoney Limited

02800889

active
Private Limited Company
Companies House
Health Score
82 / 100

Healthy

30/30
Filing
20/30
Financial
32/40
Risk
  • 4 outstanding charges (-8)

Details

25 ST. THOMAS STREET, WINCHESTER, SO23 9HJ
Incorporated 18/03/1993

Compliance

Accounts

Up to date

Confirmation statement

Up to date

Industry

47710
Retail sale of clothing in specialised stores

Officers

Mrs Jennifer Ann Kinch

director · Since 26/03/1993

FARMER

BRITISH · UNITED KINGDOM · Age 73

Also on 1 other board

Martin Roy Kinch

director · Since 26/03/1993

FARMER

BRITISH · UNITED KINGDOM · Age 77

Also on 1 other board

Mr Alan Roy Kinch

director · Since 01/03/2000

RETAIL

BRITISH · UNITED KINGDOM · Age 52

Also on 1 other board

Mrs Jennifer Susan Kinch

director · Since 31/05/2002

MANAGER

BRITISH · UNITED KINGDOM · Age 46

Also on 3 other boards

Mrs Jennifer Susan Kinch

secretary · Since 01/08/2004

MANAGER

BRITISH · UNITED KINGDOM · Age 46

Also on 3 other boards

Persons with Significant Control

Mr Martin Roy Kinch

25–50% shares
25–50% votes

British · United Kingdom · Age 77

Mallards, Driffield, Cirencester, GL7 5PY

Notified 06/04/2016

Mr Alan Roy Kinch

25–50% shares
25–50% votes

British · United Kingdom · Age 52

Holmesdale, Whichford, Shipston On Stour, CV36 5PG

Notified 06/04/2016

Charges4 outstanding

Charge
outstanding

LLOYDS BANK PLC

Created 05/08/2014Registered 16/08/2014
Charge
outstanding

LLOYDS BANK PLC

Created 05/08/2014Registered 07/08/2014
Charge
outstanding

LLOYDS BANK PLC

Created 21/07/2014Registered 31/07/2014
charge
outstanding

LLOYDS TSB BANK PLC

Created 05/01/2004Registered 08/01/2004

CompanyRankvs 3261+ SIC 47710 peers
56

Financial strength97th percentile among SIC peers · 24/25
Employees68th percentile among SIC peers · 10/15
LiquidityCurrent ratio 0.23× · 2/20
Longevity15 years trading (max 15) · 15/15
Filing complianceAll filings up to date · 15/15
Outstanding charges -10
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3261Wisemoney Limited
66
How is this score calculated?
Financial strength24/25 pts

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

Employees10/15 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 31/01/2025

Net Worth

£615k

Balance sheet strength

Cash

£12k

Cash in the bank

Net Current Assets

-£189k

Working capital

Current Assets

£57k

Current Liabilities

£246k

Fixed Assets

£986k

Debtors

£45k

2avg. employees

Tax at Year End

Corp tax£6k

Director Loans(2021)

Company owes directors£177k

Balance Sheet

Bank loans & overdrafts£165k
Assets less current liabilities£797k
Prepared with IRIS Accounts Production

EstimatesDerived

YearCurrent RatioImplied ProfitEst. Revenue
20250.23+£22k—
20240.31+£10k—
20230.35+£8k—
20220.43-£6k—
20210.55-£32k—
20200.85-£28k£8k
20191.05—£59k

Derived from filed accounts. Not audited figures.