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Cardens Pension Trustees Limited

03063801

active
ltd
england wales
Companies House
Health Score
70 / 100

Some Concerns

30/30
Filing
10/30
Financial
30/40
Risk
  • Current liabilities exceed current assets (-10)
  • 13 outstanding charges (-10)

Details

1 Westbury Mews, Westbury Hill, Bristol, BS9 3QA
Incorporated 02/06/1995

Previously known as

Cardens Limited · until 18/10/1996
Policyagree Limited · until 07/07/1995

Compliance

Last accounts

31/03/2025

micro entity

Next accounts due

31/12/2026

On track

Confirmation statement

Last: 02/05/2026

Due 16/05/2027

On track

Industry

65300
65300

Officers

Michael Alexander Carden

secretary · Since 30/06/1995

DIRECTOR

BRITISH · Age 71

Also on 1 other board

Hilary Jane Carden

director · Since 30/06/1995

COMPANY DIRECTOR

BRITISH · UNITED KINGDOM · Age 67

Also on 2 other boards

Michael Alexander Carden

secretary · Since 30/06/1995

British

Hilary Jane Carden

director · Since 30/06/1995

British · United Kingdom · Age 67

Former

Swift Incorporations Limited

corporate nominee secretary · Resigned 30/06/1995

Instant Companies Limited

corporate nominee director · Resigned 30/06/1995

Persons with Significant Control

Hilary Jane Carden

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

British · United Kingdom · Age 67

Courtland House, 18a The Avenue, Bristol, BS9 1PE

Notified 06/04/2016

Charges13 outstanding

Charge
outstanding

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THE ROYAL BANK OF SCOTLAND PLC

Created 22/09/2006Registered 26/09/2006
charge
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NATIONAL WESTMINSTER BANK PLC

Created 31/03/2006Registered 20/04/2006
charge
outstanding

BARCLAYS BANK PLC

Created 11/02/2005Registered 23/02/2005
charge
outstanding

HSBC BANK PLC

Created 24/02/2004Registered 26/02/2004
charge
outstanding

HSBC BANK PLC

Created 09/01/2004Registered 13/01/2004
charge
outstanding

HSBC BANK PLC

Created 17/01/2003Registered 24/01/2003
charge
outstanding

HSBC BANK PLC

Created 16/01/2003Registered 17/01/2003
charge
outstanding

MIDLAND BANK PLC

Created 01/04/1999Registered 09/04/1999

Change History

officer appointed → CARDEN, Michael Alexander
2026-07-22
officer appointed → CARDEN, Hilary Jane
2026-07-22
status → active
2026-07-22

Active

type → ltd
2026-07-22

Private Limited Company

address line1 → 1 Westbury Mews
2026-07-22

1 WESTBURY MEWS

post town → Bristol
2026-07-22

BRISTOL

CompanyRankvs 213+ SIC 65300 peers
59

Financial strength60th percentile among SIC peers · 15/25
Employees28th percentile among SIC peers · 4/15
LiquidityCurrent ratio 4.78× · 20/20
Longevity15 years trading (max 15) · 15/15
Filing complianceAll filings up to date · 15/15
Outstanding charges -10
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213Cardens Pension Trustees Limited
69
How is this score calculated?
Financial strength15/25 pts

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

Employees4/15 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 31/03/2025

Net Worth

£15k

Balance sheet strength

Cash

—

Cash in the bank

Net Current Assets

£32k

Working capital

Current Assets

£38k

Current Liabilities

£8k

Fixed Assets

£5k

0avg. employees-3

Balance Sheet

Assets less current liabilities£37k
Prepared with CCH Software

EstimatesDerived

YearCurrent RatioImplied Profit
20254.78+£14k
20241.76-£960
20237.24—

Derived from filed accounts. Not audited figures.