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The Practice Loan Company Plc

03767146

active
plc
england wales
Companies House
Health Score
80 / 100

Healthy

30/30
Filing
10/30
Financial
40/40
Risk
  • Current liabilities exceed current assets (-10)
  • Going concern doubt noted in accounts (-10)

Details

No 5 The Mews Trent Business Centre, Trent Park, Eastern Avenue, Lichfield, WS13 6RN
Incorporated 10/05/1999

Compliance

Last accounts

31/03/2025

full

Next accounts due

30/09/2026

On track

Confirmation statement

Last: 03/10/2025

Due 17/10/2026

On track

Industry

82990
Other business support service activities

Officers

Heidi Melissa Carmichael

secretary · Since 23/09/2011

British

Christopher Daniel Carmichael

director · Since 27/09/2012

British · United Kingdom · Age 62

Kevin Francis Mcnally

director · Since 25/09/2024

British · Scotland · Age 49

Former

Raymond Dennis Cox

director · Resigned 25/09/2015

Geoffrey Ronald Hind

director · Resigned 25/09/2015

Heidi Melissa Carmichael

director · Resigned 30/06/2018

Alun Hywel Gwyn Rogers

director · Resigned 30/11/2018

Paul Christopher Ward

director · Resigned 25/09/2024

Persons with Significant Control

Mr Christopher Daniel Carmichael

75–100% shares
75–100% votes
Appoint directors

British · United Kingdom · Age 62

No 5 The Mews, Trent Business Centre, Trent Park, Lichfield, WS13 6RN

Notified 13/02/2017

Change History

statusactive
2026-06-09

Active

typeplc
2026-06-09

Public Limited Company

address line1No 5 The Mews Trent Business Centre, Trent Park
2026-06-09

NO 5 THE MEWS TRENT BUSINESS CENTRE, TRENT PARK

post townLichfield
2026-06-09

LICHFIELD

CompanyRankvs 3070+ SIC 82990 peers
76

Financial strength91th percentile among SIC peers · 23/25
Employees84th percentile among SIC peers · 13/15
LiquidityCurrent ratio 5.46× · 20/20
Longevity15 years trading (max 15) · 15/15
Filing complianceAll filings up to date · 15/15
Going concern doubt -10
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How is this score calculated?
Financial strength23/25 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

Going concern doubt: -10 pts

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

Going Concern Doubt

we have not identified any material uncertainties relating to events or conditions that, individually or collectively, may cast significant doubt on the 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 going co

Key FinancialsYear ending 31/03/2025

Turnover

£1.3M

Annual revenue

Net Worth

£338k

Balance sheet strength

Cash

£143k

Cash in the bank

Profit Before Tax

£29k

Bottom line earnings

Net Current Assets

£293k

Working capital

Current Assets

£359k

Current Liabilities

£66k

Fixed Assets

£136k

Debtors

£216k

Cost of Sales

£873k

Gross Profit

£420k

Admin Expenses

£387k

Operating Profit

£33k

Profit After Tax

£20k

3avg. employees

Tax at Year End

Corp tax£11k
Dividends paid£25k

Director Loans

Company owes directors£4k

People Costs

Wages & salaries£176k
NI contributions£16k

Balance Sheet

Assets less current liabilities£429k
Prepared with Sage Accounts Production 24.0 - FRS102_2024

EstimatesDerived

YearCurrent RatioImplied Profit
20255.46+£20k
20243.72+£203k
20233.93

Derived from filed accounts. Not audited figures.