Excel -A- Rate Business Services Limited

03282233

active

Private Limited Company

england wales

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)
29 outstanding charges (-10)

Details

PROSPECT HOUSE 389-391 AINSWORTH, MANCHESTER, M26 4HN

Incorporated 21/11/1996

Compliance

Last accounts

30/09/2025

total exemption full

Next accounts due

30/06/2027

On track

Confirmation statement

Last: 07/10/2025

Due 21/10/2026

On track

Industry

64999

Other financial service activities

Officers

Mr David Adrian Ballan

director · Since 22/11/1996

ACCOUNTANT

BRITISH · ENGLAND · Age 69

Also on 16 other boards

Mrs Denise Pinder

director · Since 21/05/2001

COMPANY DIRECTOR

BRITISH · ENGLAND · Age 65

Also on 2 other boards

Mr David Adrian Ballan

secretary · Since 31/12/2009

Also on 16 other boards

Mr Zachary James Ballan

director · Since 13/07/2018

SALES DIRECTOR

BRITISH · ENGLAND · Age 35

Persons with Significant Control

Mr David Adrian Ballan

75–100% shares

75–100% votes

British · England · Age 69

Prospect House 389-391 Ainsworth, Manchester, M26 4HN

Notified 06/09/2016

Charges29 outstanding

Charge

outstanding

WALBROOK ASSET FINANCE LTD

Created 11/03/2024Registered 14/03/2024

Charge

outstanding

CYNERGY BUSINESS FINANCE LIMITED

Created 20/11/2023Registered 20/11/2023

Charge

outstanding

WALBROOK ASSET FINANCE LIMITED

Created 15/09/2023Registered 02/10/2023

Charge

outstanding

WALBROOK ASSET FINANCE LIMITED

Created 04/05/2022Registered 11/05/2022

Charge

outstanding

WALBROOK ASSET FINANCE LIMITED

Created 25/03/2022Registered 01/04/2022

Charge

outstanding

WALBROOK ASSET FINANCE LIMITED

Created 04/08/2021Registered 17/08/2021

Charge

outstanding

WALBROOK ASSET FINANCE LIMITED

Created 04/05/2021Registered 06/05/2021

Charge

outstanding

WALBROOK ASSET FINANCE LIMITED

Created 30/03/2021Registered 01/04/2021

Charge

outstanding

WALBROOK ASSET FINANCE LIMITED

Created 06/01/2021Registered 18/01/2021

Charge

outstanding

WALBROOK ASSET FINANCE LIMITED

Created 08/12/2020Registered 21/12/2020

Charge

outstanding

WALBROOK ASSET FINANCE LIMITED

Created 11/11/2020Registered 20/11/2020

Charge

outstanding

WALBROOK ASSET FINANCE LIMITED

Created 11/11/2020Registered 20/11/2020

Charge

outstanding

WALBROOK ASSET FINANCE LIMITED

Created 22/04/2020Registered 28/04/2020

Charge

outstanding

BANK OF LONDON AND THE MIDDLE EAST PLC

Created 24/12/2019Registered 27/12/2019

Charge

outstanding

BANK OF LONDON AND THE MIDDLE EAST PLC

Created 28/11/2019Registered 03/12/2019

Charge

outstanding

BANK OF LONDON AND THE MIDDLE EAST PLC

Created 26/11/2019Registered 29/11/2019

Charge

outstanding

BANK OF LONDON AND THE MIDDLE EAST PLC

Created 23/09/2019Registered 04/10/2019

Charge

outstanding

BANK OF LONDON AND THE MIDDLE EAST PLC

Created 02/08/2019Registered 05/08/2019

Charge

outstanding

BANK OF LONDON AND THE MIDDLE EAST PLC

Created 10/07/2019Registered 12/07/2019

Charge

outstanding

BANK OF LONDON AND THE MIDDLE EAST PLC

Created 24/05/2019Registered 30/05/2019

Charge

outstanding

BANK OF LONDON AND THE MIDDLE EAST PLC

Created 08/05/2019Registered 10/05/2019

Charge

outstanding

BANK OF LONDON AND THE MIDDLE EAST PLC

Created 08/05/2019Registered 09/05/2019

Charge

outstanding

BANK OF LONDON AND THE MIDDLE EAST PLC

Created 14/12/2018Registered 18/12/2018

Charge

outstanding

BANK OF LONDON AND THE MIDDLE EAST PLC

Created 29/10/2018Registered 06/11/2018

Charge

outstanding

BANK OF LONDON AND THE MIDDLE EAST PLC

Created 16/10/2018Registered 16/10/2018

Charge

satisfied

INVESTEC ASSET FINANCE PLC

Created 16/04/2018Registered 17/04/2018Satisfied 14/02/2024

Charge

satisfied

NPIF NW DEBT LP ACTING BY NORTH WEST LOANS NPIF GP LIMITED AS THE GENERAL PARTNER OF NPIF NW DE

Created 25/01/2018Registered 30/01/2018Satisfied 30/09/2020

Charge

satisfied

ARKLE FINANCE LTD

Created 07/07/2017Registered 10/07/2017Satisfied 01/05/2025

Charge

satisfied

SENECA CAPITAL LTD

Created 03/07/2017Registered 05/07/2017Satisfied 08/07/2022

Charge

outstanding

HAMPSHIRE TRUST BANK PLC

Created 22/03/2017Registered 22/03/2017

Charge

satisfied

INVESTEC ASSET FINANCE PLC

Created 22/04/2016Registered 28/04/2016Satisfied 14/02/2024

Charge

satisfied

THE NORTH WEST FUND FOR BUSINESS LOANS LP ACTING BY NW LOANS LIMITED AS THE GENERAL PARTNER OF

Created 17/12/2015Registered 23/12/2015Satisfied 26/02/2021

Charge

satisfied

ALDERMORE BANK PLC

Created 17/09/2015Registered 18/09/2015Satisfied 28/10/2022

Charge

satisfied

SHAWBROOK BANK LIMITED

Created 10/06/2014Registered 12/06/2014Satisfied 12/11/2025

charge

outstanding

NATIONAL WESTMINSTER BANK PLC

Created 10/08/2010Registered 14/08/2010

charge

outstanding

SIEMENS FINANCIAL SERVICES LIMITED

Created 09/10/2006Registered 11/10/2006

charge

satisfied

SINGER & FRIEDLANDER LEASING LIMITED

Created 26/04/2004Registered 29/04/2004Satisfied 14/12/2015

charge

satisfied

BARCLAYS BANK PLC

Created 12/06/2003Registered 19/06/2003Satisfied 14/12/2015

charge

outstanding

HITACHI CREDIT (UK) PLC

Created 05/06/2003Registered 06/06/2003

charge

satisfied

BARCLAYS BANK PLC

Created 05/02/2003Registered 08/02/2003Satisfied 14/12/2015

charge

satisfied

BARCLAYS BANK PLC

Created 08/04/1997Registered 15/04/1997Satisfied 24/11/2010

CompanyRankvs 91+ SIC 64999 peers
79

Financial strength98th percentile among SIC peers · 25/25

Employees96th percentile among SIC peers · 14/15

LiquidityCurrent ratio 3.05× · 20/20

Longevity15 years trading (max 15) · 15/15

Filing complianceAll filings up to date · 15/15

Outstanding charges -10

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91Excel -A- Rate Business Services Limited

89

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.

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 30/09/2024

Net Worth

£3.4M

Balance sheet strength

Cash

£174k

Cash in the bank

Net Current Assets

£7.5M

Working capital

Current Assets

£11.1M

Current Liabilities

£3.6M

Fixed Assets

£189k

Debtors

£10.9M

11avg. employees

Balance Sheet

Assets less current liabilities£7.7M

Prepared with IRIS Accounts Production

EstimatesDerived

Year	Current Ratio	Implied Profit
2024	3.05	+£355k
2023	3.18	+£198k
2022	3.22	+£187k
2021	3.02	+£187k
2020	2.99	+£99k
2019	2.59	+£162k
2018	2.72	—

Derived from filed accounts. Not audited figures.