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Cardecu Limited

03100017

active
Private Limited Company
Companies House
Health Score
80 / 100

Healthy

30/30
Filing
20/30
Financial
30/40
Risk
  • 18 outstanding charges (-10)

Details

2 PINEWALKS RIDGE, WIRRAL, CH42 8PB
Incorporated 08/09/1995

Compliance

Accounts

Up to date

Confirmation statement

Up to date

Industry

68209
Other letting and operating of own or leased real estate

Officers

Alison Jane Birchall

secretary · Since 11/09/1995

BRITISH

Philip John Summers

director · Since 11/09/1995

LANDLORD

BRITISH · ENGLAND · Age 60

Also on 2 other boards

Mrs Alison Jane Summers

director · Since 06/04/2020

COMPANY DIRECTOR

BRITISH · ENGLAND · Age 56

Persons with Significant Control

Mr Philip John Summers

25–50% shares

British · England · Age 60

2, Pinewalks Ridge, Wirral, CH42 8PB

Notified 06/04/2016

Mrs Alison Jane Summers

25–50% shares

British · England · Age 56

2, Pinewalks Ridge, Wirral, CH42 8PB

Notified 06/04/2016

Charges18 outstanding

Charge
outstanding

PARAGON BANK PLC

Created 02/12/2025Registered 06/12/2025
Charge
outstanding

PARAGON BANK PLC

Created 16/10/2023Registered 17/10/2023
Charge
outstanding

THE MORTGAGE WORKS (UK) PLC

Created 09/03/2022Registered 11/03/2022
Charge
outstanding

PARAGON BANK PLC

Created 02/07/2020Registered 02/07/2020
Charge
outstanding

PARAGON BANK PLC

Created 28/05/2019Registered 31/05/2019
Charge
outstanding

PARAGON BANK PLC

Created 03/05/2019Registered 08/05/2019
Charge
outstanding

PARAGON BANK PLC

Created 21/11/2018Registered 07/12/2018
Charge
outstanding

PARAGON BANK PLC

Created 11/04/2018Registered 11/04/2018
Charge
outstanding

PARAGON BANK PLC

Created 05/12/2017Registered 06/12/2017
Charge
outstanding

PARAGON MORTGAGES (2010) LIMITED · PARAGON BANK PLC

Created 05/12/2017Registered 06/12/2017
Charge
outstanding

PARAGON BANK PLC · PARAGON MORTGAGES (2010) LIMITED

Created 21/09/2017Registered 25/09/2017
Charge
outstanding

PARAGON BANK PLC · PARAGON MORTGAGES (2010) LIMITED

Created 20/09/2017Registered 21/09/2017
Charge
outstanding

PARAGON BANK PLC

Created 21/09/2017Registered 21/09/2017
Charge
outstanding

PARAGON BANK PLC

Created 20/09/2017Registered 21/09/2017
Charge
outstanding

PARAGON BANK PLC · PARAGON MORTGAGES (2010) LIMITED

Created 06/02/2017Registered 10/02/2017
Charge
satisfied

PARAGON MORTGAGES (2010) LIMITED

Created 06/02/2017Registered 06/02/2017Satisfied 05/02/2021
charge
outstanding

MORTGAGE EXPRESS

Created 05/02/2008Registered 08/02/2008
charge
outstanding

MORTGAGE EXPRESS

Created 03/12/2007Registered 12/12/2007
charge
outstanding

MORTGAGE EXPRESS

Created 03/12/2007Registered 12/12/2007
charge
satisfied

THE ROYAL BANK OF SCOTLAND PLC

Created 06/12/2004Registered 07/12/2004Satisfied 26/01/2022
charge
satisfied

THE ROYAL BANK OF SCOTLAND PLC

Created 10/03/2003Registered 12/03/2003Satisfied 29/01/2022
charge
satisfied

THE ROYAL BANK OF SCOTLAND PLC

Created 30/09/2002Registered 18/10/2002Satisfied 27/01/2022
charge
satisfied

THE ROYAL BANK OF SCOTLAND PLC

Created 18/09/2001Registered 03/10/2001Satisfied 27/01/2022
charge
satisfied

THE ROYAL BANK OF SCOTLAND PLC

Created 29/12/1998Registered 16/01/1999Satisfied 27/01/2022

CompanyRankvs 2805+ SIC 68209 peers
77

Financial strength93th percentile among SIC peers · 23/25
Employees93th percentile among SIC peers · 14/15
LiquidityCurrent ratio 19.59× · 20/20
Longevity15 years trading (max 15) · 15/15
Filing complianceAll filings up to date · 15/15
Outstanding charges -10
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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.

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 30/09/2025

Net Worth

£929k

Balance sheet strength

Cash

£269k

Cash in the bank

Net Current Assets

£255k

Working capital

Current Assets

£269k

Current Liabilities

£14k

Fixed Assets

£1.9M

Debtors

£0

Profit After Tax

£9k

3avg. employees

Tax at Year End

Corp tax£933
Dividends paid£56k

Balance Sheet

Assets less current liabilities£2.1M
Prepared with CCH Software

EstimatesDerived

YearCurrent RatioImplied Profit
202519.59-£39k
202412.16-£47k
20237.37—

Derived from filed accounts. Not audited figures.