Back to search

V & B Cards Limited

04177340

active
Private Limited Company
Companies House
Health Score
76 / 100

Some Concerns

30/30
Filing
10/30
Financial
36/40
Risk
  • Current liabilities exceed current assets (-10)
  • 2 outstanding charges (-4)

Details

3 LEGION LANE, WIRRAL, CH62 7JQ
Incorporated 12/03/2001

Compliance

Accounts

Up to date

Confirmation statement

Up to date

Industry

47789
Other retail sale of new goods in specialised stores

Officers

Mrs Lynne Carmichael

secretary · Since 12/03/2001

GREETING CARD WHOLESALER

BRITISH · UNITED KINGDOM · Age 59

Also on 3 other boards

Mrs Lynne Carmichael

director · Since 12/03/2001

GREETING CARD WHOLESALER

BRITISH · UNITED KINGDOM · Age 59

Also on 3 other boards

Mr James Carmichael

director · Since 29/03/2022

MANAGER

BRITISH · ENGLAND · Age 35

Persons with Significant Control

Mrs Lynne Carmichael

25–50% shares

British · United Kingdom · Age 59

11, Elton Drive, Wirral, CH63 9HD

Notified 12/03/2017

Mr James Carmichael

25–50% shares

British · England · Age 35

3, Legion Lane, Wirral, CH62 7JQ

Notified 29/03/2022

Former PSCs

Mr Philip James Carmichael

Ceased 27/04/2020

Charges2 outstanding

Charge
outstanding

BARCLAYS BANK PLC

Created 07/02/2014Registered 11/02/2014
Charge
outstanding

BARCLAYS BANK PLC

Created 12/09/2013Registered 17/09/2013

CompanyRankvs 1236+ SIC 47789 peers
71

Financial strength87th percentile among SIC peers · 22/25
Employees85th percentile among SIC peers · 13/15
LiquidityCurrent ratio 1.79× · 16/20
Longevity15 years trading (max 15) · 15/15
Filing complianceAll filings up to date · 15/15
Outstanding charges -10
Show leaderboard
1E.Russum & Sons,Limited
90
2Yandle & Sons Limited
90
3Poplar Nurseries Limited
90
4Thompson Bros. (Esher) Limited
90
5G.J.W.Titmuss Limited
90
6St.John'S Nurseries (North Devon) Limited
90
7Hildreths (China & Hardware) Limited
90
8Anglo Continental Clock Company Limited
90
9Windward Marine Limited
90
10Tileflair Limited
90
1236V & B Cards Limited
77
How is this score calculated?
Financial strength22/25 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.

Liquidity16/20 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 31/03/2025

Net Worth

£231k

Balance sheet strength

Cash

—

Cash in the bank

Net Current Assets

£68k

Working capital

Current Assets

£154k

Current Liabilities

£86k

Fixed Assets

£185k

7avg. employees

Balance Sheet

Assets less current liabilities£253k
Prepared with VT Final Accounts

EstimatesDerived

YearCurrent RatioImplied Profit
20251.79+£25k
20242.30-£12k
20232.12+£10k
20222.44+£48k
20211.56+£48k
20201.01+£18k
20191.02—

Derived from filed accounts. Not audited figures.