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F.A. Clover & Son Limited

02858874

active
Private Limited Company
england wales
Companies House
Health Score
68 / 100

Some Concerns

30/30
Filing
0/30
Financial
38/40
Risk
  • Negative net worth (-10)
  • Current liabilities exceed current assets (-10)
  • 1 outstanding charge (-2)

Details

BARDOLPH ROAD, SURREY, TW9 2LH
Incorporated 01/10/1993

Compliance

Last accounts

31/03/2025

total exemption full

Next accounts due

31/12/2026

On track

Confirmation statement

Last: 01/10/2025

Due 15/10/2026

On track

Industry

43341
Painting

Officers

Ian Malcolm Clover

director · Since 01/10/1993

DIRECTOR

BRITISH · UNITED KINGDOM · Age 84

Mark Fitzgerald Kelly

director · Since 17/08/1999

DIRECTOR

BRITISH · UNITED KINGDOM · Age 61

Mr James Henry William Clover

director · Since 01/09/2010

CONTRACTS MANAGER

BRITISH · ENGLAND · Age 54

Also on 1 other board

Persons with Significant Control

Mark Fitzgerald Kelly

25–50% shares
25–50% votes

British · United Kingdom · Age 61

Bardolph Road, Richmond, TW9 2LH

Notified 06/04/2016

James Henry William Clover

25–50% shares
25–50% votes

British · England · Age 54

Bardolph Road, Surrey, TW9 2LH

Notified 06/04/2016

Charges1 outstanding

Charge
outstanding

HSBC UK BANK PLC

Created 30/05/2022Registered 14/06/2022
charge
satisfied

DAVID RICHARD CLOVER AND MAUREEN ELIZABETH CLOVER

Created 22/01/2010Registered 28/01/2010Satisfied 11/10/2017
charge
satisfied

DAVID RICHARD CLOVER AND MAUREEN ELIZABETH CLOVER

Created 22/01/2009Registered 29/01/2009Satisfied 11/10/2017
charge
satisfied

NATIONAL WESTMINSTER BANK PLC

Created 12/01/1994Registered 02/02/1994Satisfied 16/09/2024

CompanyRankvs 6579+ SIC 43341 peers
40

Financial strength0th percentile among SIC peers · 0/25
Employees93th percentile among SIC peers · 14/15
LiquidityCurrent ratio 0.55× · 6/20
Longevity15 years trading (max 15) · 15/15
Filing complianceAll filings up to date · 15/15
Outstanding charges -10
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6579F.A. Clover & Son Limited
46
How is this score calculated?
Financial strength0/25 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.

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 31/03/2025

Net Worth

-£171k

Balance sheet strength

Cash

£2k

Cash in the bank

Net Current Assets

-£160k

Working capital

Current Assets

£200k

Current Liabilities

£360k

Fixed Assets

£3k

Debtors

£198k

5avg. employees-2

Tax at Year End(2024)

Corp tax£47k

Director Loans(2024)

Company owes directors£3k

Balance Sheet

Assets less current liabilities-£158k
Signed by Mr James Clover 30/06/2025Prepared with Acorah Software Products - Accounts Production

EstimatesDerived

YearCurrent RatioImplied Profit
20250.55-£193k
20240.69-£10k
20232.16+£1k
20221.15+£22k
20211.01-£2k
20200.38-£40k
20190.23—

Derived from filed accounts. Not audited figures.