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Direct Commercial Limited

03133493

active
Private Limited Company
england wales
Companies House
Health Score
78 / 100

Some Concerns

30/30
Filing
10/30
Financial
38/40
Risk
  • Going concern doubt noted in accounts (-10)
  • 1 outstanding charge (-2)

Details

REDWING HOUSE HEDGEROWS BUSINESS PARK, CHELMSFORD, CM2 5PB
Incorporated 04/12/1995

Compliance

Last accounts

28/02/2025

group

Next accounts due

30/11/2026

On track

Confirmation statement

Last: 04/12/2025

Due 18/12/2026

On track

Industry

65120
Non-life insurance

Officers

Mr Liam James Guilfoyle

secretary · Since 31/05/2007

ACCOUNTS MANAGER

ENGLISH · ENGLAND · Age 44

Also on 1 other board

Mr Liam James Guilfoyle

director · Since 01/08/2007

FINANCE DIRECTOR

ENGLISH · ENGLAND · Age 44

Also on 1 other board

Mr Philip Michael Cunningham Bsc Hons

director · Since 20/01/2010

MANAGING DIRECTOR

BRITISH · ENGLAND · Age 56

Also on 2 other boards

Mr Carl Mark Anthony Cripps

director · Since 06/05/2020

DIRECTOR

BRITISH · ENGLAND · Age 58

Also on 3 other boards

Mr Christopher Joseph Webb

director · Since 06/05/2020

DIRECTOR

BRITISH · ENGLAND · Age 49

Mr Peter Houlihan

director · Since 25/05/2023

COMPANY DIRECTOR

IRISH · ENGLAND · Age 47

Mr Joseph Hantson

director · Since 21/09/2023

COMPANY DIRECTOR

BRITISH · ENGLAND · Age 54

Persons with Significant Control

Mr Philip Michael Cunningham

50–75% shares
50–75% votes

British · England · Age 56

Redwing House, Hedgerows Business Park, Chelmsford, CM2 5PB

Notified 06/04/2016

Former PSCs

Stm Fidecs Trust Company Limited As Trustees Of The Carraig Employee Benefit Trust

Ceased 15/08/2018

Mrs Emma Marie Claude Cunningham

Ceased 08/12/2021

Electric Bidco Limited

Ceased 08/12/2021

Charges1 outstanding

Charge
outstanding

KROLL TRUSTEE SERVICES LIMITED

Created 18/12/2025Registered 05/01/2026
Charge
satisfied

STM FIDECS TRUST COMPANY LIMITED (REGISTERED IN GIBRALTAR)

Created 31/05/2017Registered 16/06/2017Satisfied 07/08/2018
charge
satisfied

NATIONAL WESTMINSTER BANK PLC

Created 08/08/2003Registered 23/08/2003Satisfied 22/11/2007
charge
satisfied

LINCOLN ASSURANCE LIMITED

Created 16/04/2002Registered 18/04/2002Satisfied 22/11/2007

CompanyRankvs 105+ SIC 65120 peers
70

Financial strength100th percentile among SIC peers · 25/25
Employees100th percentile among SIC peers · 15/15
LiquidityCurrent ratio 2.99× · 20/20
Longevity15 years trading (max 15) · 15/15
Filing complianceAll filings up to date · 15/15
Going concern doubt -10Outstanding charges -10
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How is this score calculated?
Financial strength25/25 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.

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

Going concern doubt: -10 pts

Outstanding charges: -10 pts

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

Going Concern Doubt

any material uncertainties relating to events or conditions that, individually or collectively, may cast significant doubt on the group's and parent company's ability to continue as a going concern for a period of at least twelve months from when the financial statements are authorised for issue. Our responsibilities and the responsibilities of the directors with respect to

Key FinancialsYear ending 28/02/2025

Net Worth

£34.8M

Balance sheet strength

Cash

£12.5M

Cash in the bank

Net Current Assets

£31.2M

Working capital

Current Assets

£46.9M

Current Liabilities

£15.7M

Fixed Assets

£4.3M

Debtors

£34.6M

Cost of Sales

£273k

Admin Expenses

£14.1M

Profit After Tax

£14.4M

182avg. employees+25

Tax at Year End

Corp tax£5.1M
Dividends paid-£2.4M

People Costs

Wages & salaries£7.2M

Balance Sheet

Intangible assets£318k
Assets less current liabilities£3.8M
Prepared with CCH Software

EstimatesDerived

YearCurrent RatioImplied Profit
20252.99+£12.4M
20242.62+£10.1M
20220.38+£2.3M
20210.90+£1.4M
20201.20+£5.6M
20191.36+£983k
20181.41

Derived from filed accounts. Not audited figures.