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First 4 Car Finance Co.Uk Ltd

04228164

active
Private Limited Company
Companies House
Health Score
74 / 100

Some Concerns

30/30
Filing
10/30
Financial
34/40
Risk
  • Current liabilities exceed current assets (-10)
  • 3 outstanding charges (-6)

Details

1 OCCUPATION LANE, WEST YORKSHIRE, LS28 8HL
Incorporated 04/06/2001

Compliance

Accounts

Up to date

Confirmation statement

Up to date

Industry

45112
Sale of used cars and light motor vehicles
68209
Other letting and operating of own or leased real estate

Officers

Richard Andrew Leeming

director · Since 04/06/2001

DIRECTOR

BRITISH · UNITED KINGDOM · Age 59

John William Leeming

secretary · Since 29/05/2003

RETIRED

BRITISH · Age 84

Mrs Sally-Anne Clare Leeming

director · Since 17/05/2024

DIRECTOR

BRITISH · UNITED KINGDOM · Age 51

Persons with Significant Control

Mrs Sally-Anne Clare Leeming

25–50% shares

British · United Kingdom · Age 51

1 Occupation Lane, Uppermoor, Leeds, LS28 8HL

Notified 06/04/2016

Mr Richard Andrew Leeming

25–50% shares

British · England · Age 59

1 Occupation Lane, West Yorkshire, LS28 8HL

Notified 06/04/2016

Charges3 outstanding

Charge
outstanding

LLOYDS BANK PLC

Created 06/11/2015Registered 10/11/2015
charge
outstanding

LLOYDS TSB BANK PLC

Created 10/06/2004Registered 15/06/2004
charge
outstanding

YORKSHIRE BANK PLC

Created 13/08/2001Registered 17/08/2001

CompanyRankvs 2749+ SIC 45112 peers
64

Financial strength35th percentile among SIC peers · 9/25
Employees97th percentile among SIC peers · 15/15
LiquidityCurrent ratio 5× · 20/20
Longevity15 years trading (max 15) · 15/15
Filing complianceAll filings up to date · 15/15
Outstanding charges -10
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2749First 4 Car Finance Co.Uk Ltd
74
How is this score calculated?
Financial strength9/25 pts

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

Employees15/15 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 30/09/2025

Net Worth

£100

Balance sheet strength

Cash

£392k

Cash in the bank

Net Current Assets

£952k

Working capital

Current Assets

£1.2M

Current Liabilities

£238k

Fixed Assets

£933k

Debtors

£18k

12avg. employees

Balance Sheet

Assets less current liabilities£1.9M
Prepared with IRIS Accounts Production

EstimatesDerived

YearCurrent Ratio
20255.00
20255.00
20247.06
20233.31

Derived from filed accounts. Not audited figures.