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Cowell And Norford Financial Services Ltd.

03216460

active
Private Limited Company
Companies House
Health Score
65 / 100

Some Concerns

25/30
Filing
10/30
Financial
30/40
Risk
  • No accounts filed in last 18 months (-5)
  • Current liabilities exceed current assets (-10)
  • 10 outstanding charges (-10)

Details

561 BURY ROAD, ROCHDALE, OL11 4DQ
Incorporated 21/06/1996

Compliance

Accounts

Up to date

Confirmation statement

Up to date

Industry

68209
Other letting and operating of own or leased real estate

Officers

Mr Michael John Cowell

director · Since 21/06/1996

ESTATE AGENT

BRITISH · UNITED KINGDOM · Age 61

Also on 17 other boards

Persons with Significant Control

Mr Michael John Cowell

75–100% shares

British · United Kingdom · Age 61

561, Bury Road, Rochdale, OL11 4DQ

Notified 20/06/2016

Charges10 outstanding

Charge
outstanding

SVENSKA HANDELSBANKEN AB (PUBL)

Created 02/07/2018Registered 06/07/2018
Charge
outstanding

SVENSKA HANDELSBANKEN AB (PUBL)

Created 23/01/2018Registered 24/01/2018
Charge
outstanding

SVENSKA HANDELSBANKEN AB (PUBL)

Created 23/01/2018Registered 24/01/2018
Charge
outstanding

SVENSKA HANDELSBANKEN AB (PUBL)

Created 23/01/2018Registered 24/01/2018
charge
outstanding

LLOYDS TSB BANK PLC

Created 05/09/2007Registered 12/09/2007
charge
satisfied

LLOYDS TSB BANK PLC

Created 16/08/2004Registered 18/08/2004Satisfied 05/10/2023
charge
satisfied

LLOYDS TSB BANK PLC

Created 06/08/2004Registered 17/08/2004Satisfied 22/10/2023
charge
satisfied

LLOYDS TSB BANK PLC

Created 02/08/2004Registered 06/08/2004Satisfied 29/08/2019
charge
outstanding

LLOYDS TSB BANK PLC

Created 16/01/2001Registered 19/01/2001
charge
outstanding

LLOYDS TSB BANK PLC

Created 16/01/2001Registered 19/01/2001
charge
outstanding

NATIONAL WESTMINSTER BANK PLC

Created 31/01/2000Registered 04/02/2000
charge
outstanding

NATIONAL WESTMINSTER BANK PLC

Created 31/01/2000Registered 04/02/2000
charge
outstanding

LLOYDS TSB BANK PLC

Created 29/10/1999Registered 06/11/1999

CompanyRankvs 13585+ SIC 68209 peers
68

Financial strength99th percentile among SIC peers · 25/25
Employees18th percentile among SIC peers · 3/15
LiquidityCurrent ratio 6.48× · 20/20
Longevity15 years trading (max 15) · 15/15
Filing complianceAll filings up to date · 15/15
Outstanding charges -10
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13585Cowell And Norford Financial Services Ltd.
78
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.

Employees3/15 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 31/12/2024

Net Worth

£5.3M

Balance sheet strength

Cash

£114k

Cash in the bank

Net Current Assets

£1.0M

Working capital

Current Assets

£1.2M

Current Liabilities

£188k

Fixed Assets

£4.4M

Debtors

£1.1M

0avg. employees

Tax at Year End

Corp tax£77k

Balance Sheet

Intangible assets£250k
Assets less current liabilities£5.5M
Prepared with CCH Software

EstimatesDerived

YearCurrent RatioImplied Profit
20246.48+£155k
20236.26+£531k
20224.70+£240k
20214.64+£1.0M
20204.75+£27k
20192.95+£229k
20182.78+£939k
20162.59—

Derived from filed accounts. Not audited figures.