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Borderway Finance Limited

03048466

active
Private Limited Company
Companies House
Health Score
95 / 100

Healthy

25/30
Filing
30/30
Financial
40/40
Risk
  • No accounts filed in last 18 months (-5)

Details

CUMBERLAND HOUSE COOPER WAY, CARLISLE, CA3 0JF
Incorporated 21/04/1995

Compliance

Accounts

Up to date

Confirmation statement

Up to date

Industry

64921
64921

Officers

Mr Michael Grant Deans

director · Since 01/04/2014

DIRECTOR

BRITISH · UNITED KINGDOM · Age 56

Also on 2 other boards

Mr Scott Mckerracher

director · Since 28/09/2022

HEAD OF COMMERCIAL

BRITISH · SCOTLAND · Age 58

Also on 1 other board

Mr Silas Harrison Heys

secretary · Since 01/06/2024

Mrs Elizabeth Eastburn

director · Since 28/10/2024

HEAD OF DIRECT DISTRIBUTION

BRITISH · ENGLAND · Age 45

Mr Darren Kelton

director · Since 09/04/2025

HEAD OF TECHNOLOGY SERVICE

ENGLISH · UNITED KINGDOM · Age 44

Persons with Significant Control

Cumberland Holdings Limited

75–100% shares

Cumberland House, Cooper Way, Carlisle, CA3 0JF

Reg: 02332404 · Registrar Of Companies For England And Wales · Limited Company

Notified 06/04/2016

CompanyRankvs 50+ SIC 64921 peers
80

Financial strength90th percentile among SIC peers · 23/25
Employees97th percentile among SIC peers · 15/15
LiquidityCurrent ratio 1.13× · 12/20
Longevity15 years trading (max 15) · 15/15
Filing complianceAll filings up to date · 15/15
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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.

Employees15/15 pts

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

Liquidity12/20 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.

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

Key FinancialsYear ending 31/03/2020

Turnover

£1.9M

Annual revenue

Net Worth

£3.0M

Balance sheet strength

Cash

£117k

Cash in the bank

Profit Before Tax

£405k

Bottom line earnings

Net Current Assets

£2.9M

Working capital

Current Assets

£24.7M

Current Liabilities

£21.8M

Fixed Assets

£64k

Debtors

£436k

Cost of Sales

£323k

Gross Profit

£1.6M

Admin Expenses

£819k

Operating Profit

£751k

16avg. employees

Balance Sheet

Assets less current liabilities£3.0M
Prepared with Companies House

EstimatesDerived

YearCurrent Ratio
20201.13

Derived from filed accounts. Not audited figures.