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N.J. Usher & Son Limited

04447692

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

SMITH HOUSE GEORGE STREET, STROUD, GL6 0AG
Incorporated 27/05/2002

Compliance

Accounts

Up to date

Confirmation statement

Up to date

Industry

41100
Development of building projects
68100
Buying and selling of own real estate

Officers

Mr Mark James Usher

director · Since 22/09/2003

GENERAL BUILDER

BRITISH · ENGLAND · Age 53

Persons with Significant Control

Mr Mark James Usher

25–50% shares
25–50% votes
Appoint directors
significant-influence-or-control-as-firm

British · England · Age 53

Smith House, George Street, Stroud, GL6 0AG

Notified 12/04/2017

Mr Steven Usher

25–50% shares
25–50% votes
Appoint directors
significant-influence-or-control-as-firm

British · England · Age 50

Smith House, George Street, Stroud, GL6 0AG

Notified 12/04/2017

Former PSCs

Mr Nicholas James Usher

Ceased 31/03/2021

Charges3 outstanding

A registered charge
satisfied

LLOYDS BANK PLC

Created 27/01/2025Registered 06/08/2026Satisfied 06/08/2026
Charge
outstanding

LLOYDS BANK PLC

Created 27/01/2025Registered 29/01/2025
Charge
satisfied

LLOYDS BANK PLC

Created 31/03/2023Registered 04/04/2023Satisfied 30/07/2024
Charge
satisfied

MINT PROPERTY FINANCE LIMITED

Created 08/02/2022Registered 28/02/2022Satisfied 23/09/2024
Charge
outstanding

LLOYDS BANK PLC

Created 06/02/2020Registered 08/02/2020
Charge
satisfied

LLOYDS BANK PLC

Created 30/06/2016Registered 21/07/2016Satisfied 16/09/2024
charge
outstanding

LLOYDS TSB BANK PLC

Created 21/07/2006Registered 27/07/2006

CompanyRankvs 1108+ SIC 41100 peers
76

Financial strength89th percentile among SIC peers · 22/25
Employees95th percentile among SIC peers · 14/15
LiquidityCurrent ratio 4.58× · 20/20
Longevity15 years trading (max 15) · 15/15
Filing complianceAll filings up to date · 15/15
Outstanding charges -10
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1108N.J. Usher & Son Limited
86
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.

Employees14/15 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 31/07/2025

Net Worth

£411k

Balance sheet strength

Cash

£46k

Cash in the bank

Net Current Assets

£851k

Working capital

Current Assets

£1.1M

Current Liabilities

£238k

Fixed Assets

£12k

Debtors

£2k

5avg. employees+1

Balance Sheet

Bank loans & overdrafts£172k
Assets less current liabilities£863k
Prepared with IRIS Accounts Production

EstimatesDerived

YearCurrent RatioImplied Profit
20254.58+£23k
20244.59+£69k
20235.41—

Derived from filed accounts. Not audited figures.