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Investfront Limited

03445534

active
Private Limited Company
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)
  • 7 outstanding charges (-10)

Details

BLACKMORE FARM BLACKMORE LANE, READING, RG4 9NU
Incorporated 07/10/1997

Compliance

Last accounts

31/10/2025

total exemption full

Next accounts due

31/07/2027

On track

Confirmation statement

Last: 07/10/2025

Due 21/10/2026

On track

Industry

41201
Construction of commercial buildings

Officers

Mr Graham James Payne

director · Since 22/10/1997

FARMER

BRITISH · UNITED KINGDOM · Age 79

Also on 8 other boards

Mrs Margaret Payne

director · Since 05/12/2000

ADMINISTRATOR

BRITISH · ENGLAND · Age 78

Also on 4 other boards

Mr Matthew Oliver Payne

director · Since 01/12/2003

FARMER

BRITISH · ENGLAND · Age 46

Also on 4 other boards

Miss Emma Louise Payne

director · Since 19/03/2014

ARTIST

BRITISH · UNITED KINGDOM · Age 38

Also on 3 other boards

Persons with Significant Control

Mr Graham James Payne

50–75% shares
50–75% votes
Appoint directors

British · England · Age 79

Blackmore Farm, Blackmore Lane, Reading, RG4 9NU

Notified 06/04/2016

Mrs Margaret Payne

25–50% shares
25–50% votes

British · England · Age 78

Blackmore Farm, Blackmore Lane, Reading, RG4 9NU

Notified 09/02/2026

Charges7 outstanding

Charge
outstanding

MERCHANT MONEY LTD

Created 14/07/2025Registered 21/07/2025
Charge
outstanding

FUNDING 365 PROPERTY LIMITED

Created 18/10/2024Registered 25/10/2024
Charge
outstanding

FUNDING 365 PROPERTY LIMITED

Created 18/10/2024Registered 18/10/2024
Charge
satisfied

LLOYDS BANK PLC

Created 08/04/2022Registered 14/04/2022Satisfied 20/09/2024
Charge
outstanding

COUTTS & COMPANY · GRAHAM JAMES PAYNE · MARGARET PAYNE

Created 25/03/2021Registered 29/03/2021
Charge
satisfied

LLOYDS BANK PLC

Created 29/10/2020Registered 02/11/2020Satisfied 02/03/2026
Charge
satisfied

DEREK CHESTERMAN · SHIRLEY CHESTERMAN

Created 22/05/2019Registered 22/05/2019Satisfied 23/02/2026
Charge
outstanding

LLOYDS BANK PLC

Created 16/03/2018Registered 28/03/2018
Charge
outstanding

LLOYDS BANK PLC

Created 03/11/2017Registered 08/11/2017
Charge
outstanding

LLOYDS BANK PLC

Created 03/11/2017Registered 08/11/2017

CompanyRankvs 324+ SIC 41201 peers
78

Financial strength99th percentile among SIC peers · 25/25
Employees89th percentile among SIC peers · 13/15
LiquidityCurrent ratio 4.1× · 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 strength25/25 pts

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

Employees13/15 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 31/10/2025

Net Worth

£8.1M

Balance sheet strength

Cash

—

Cash in the bank

Net Current Assets

£8.3M

Working capital

Current Assets

£11.0M

Current Liabilities

£2.7M

Fixed Assets

£13.8M

Debtors

£9.8M

5avg. employees

Tax at Year End(2024)

Corp tax£477k

Balance Sheet

Assets less current liabilities£22.1M
Signed by Mr Graham Payne 27/07/2026Prepared with Acorah Software Products - Accounts Production

EstimatesDerived

YearCurrent RatioImplied Profit
20254.10-£120k
20241.46-£711k
20231.64—

Derived from filed accounts. Not audited figures.