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Investfront Limited

03445534

active
Private Limited Company
england wales
Companies House
Health Score
75 / 100

Some Concerns

25/30
Filing
20/30
Financial
30/40
Risk
  • No accounts filed in last 18 months (-5)
  • 7 outstanding charges (-10)

Details

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

Compliance

Last accounts

31/10/2024

total exemption full

Next accounts due

31/07/2026

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
Charge
satisfied

AIB GROUP (UK) PLC

Created 06/11/2014Registered 14/11/2014Satisfied 03/01/2019
Charge
satisfied

SANTANDER UK PLC

Created 13/06/2014Registered 20/06/2014Satisfied 14/02/2020
Charge
satisfied

SANTANDER UK PLC

Created 13/06/2014Registered 20/06/2014Satisfied 14/02/2020
Charge
satisfied

CMR (ESTATES) LIMITED

Created 22/11/2013Registered 03/12/2013Satisfied 18/06/2014
charge
satisfied

AIB GROUP (UK) PLC

Created 21/08/2012Registered 25/08/2012Satisfied 19/11/2014
charge
satisfied

NATIONAL WESTMINSTER BANK PLC

Created 13/06/2003Registered 19/06/2003Satisfied 18/06/2014
charge
satisfied

NATIONAL WESTMINSTER BANK PLC

Created 27/03/2003Registered 02/04/2003Satisfied 18/06/2014
charge
satisfied

NATIONAL WESTMINSTER BANK PLC

Created 21/01/2002Registered 22/01/2002Satisfied 18/06/2014
charge
satisfied

NATIONAL WESTMINSTER BANK PLC

Created 28/09/2001Registered 18/10/2001Satisfied 18/06/2014
charge
satisfied

NATIONAL WESTMINSTER BANK PLC

Created 25/07/2001Registered 08/08/2001Satisfied 18/06/2014
charge
satisfied

NATIONAL WESTMINSTER BANK PLC

Created 22/06/2001Registered 27/06/2001Satisfied 18/06/2014
charge
satisfied

NATIONAL WESTMINSTER BANK PLC

Created 12/02/2001Registered 15/02/2001Satisfied 18/06/2014
charge
satisfied

NATIONAL WESTMINSTER BANK PLC

Created 21/06/2000Registered 28/06/2000Satisfied 18/06/2014
charge
satisfied

NATIONAL WESTMINSTER BANK PLC

Created 21/06/2000Registered 28/06/2000Satisfied 04/10/2013
charge
satisfied

NATIONAL WESTMINSTER BANK PLC

Created 21/06/2000Registered 28/06/2000Satisfied 18/06/2014
charge
satisfied

NATIONAL WESTMINSTER BANK PLC

Created 21/06/2000Registered 28/06/2000Satisfied 18/06/2014
charge
satisfied

THE ROYAL BANK OF SCOTLAND PLC

Created 18/05/1999Registered 02/06/1999Satisfied 25/11/2013
charge
satisfied

NATIONAL WESTMINSTER BANK PLC

Created 30/04/1999Registered 14/05/1999Satisfied 18/06/2014
charge
satisfied

NATIONAL WESTMINSTER BANK PLC

Created 30/04/1999Registered 14/05/1999Satisfied 18/06/2014
charge
satisfied

NATIONAL WESTMINSTER BANK PLC

Created 30/04/1999Registered 14/05/1999Satisfied 18/06/2014
charge
satisfied

NATIONAL WESTMINSTER BANK PLC

Created 28/04/1999Registered 05/05/1999Satisfied 18/06/2014
charge
satisfied

THE ROYAL BANK OF SCOTLAND PLC

Created 24/03/1999Registered 30/03/1999Satisfied 18/06/2014
charge
satisfied

PERMCREST LIMITED

Created 13/02/1998Registered 20/02/1998Satisfied 27/03/1999

CompanyRankvs 1532+ SIC 41201 peers
70

Financial strength99th percentile among SIC peers · 25/25
Employees89th percentile among SIC peers · 13/15
LiquidityCurrent ratio 1.46× · 12/20
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.

Liquidity12/20 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 31/10/2024

Net Worth

£8.2M

Balance sheet strength

Cash

£145k

Cash in the bank

Net Current Assets

£2.5M

Working capital

Current Assets

£8.1M

Current Liabilities

£5.5M

Fixed Assets

£15.4M

Debtors

£7.0M

5avg. employees

Tax at Year End

Corp tax£477k

Balance Sheet

Assets less current liabilities£17.9M
Prepared with IRIS Accounts Production

EstimatesDerived

YearCurrent RatioImplied Profit
20241.46-£711k
20231.64-£659k
20220.52+£6.7M
20211.24+£79k
20201.29+£975
20190.75+£2.6M
20181.37

Derived from filed accounts. Not audited figures.