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Finsbury Designs Ltd

04560279

active
Private Limited Company
Companies House
Health Score
72 / 100

Some Concerns

30/30
Filing
10/30
Financial
32/40
Risk
  • Current liabilities exceed current assets (-10)
  • 4 outstanding charges (-8)

Details

19 GOLDINGTON ROAD, BEDFORD, MK40 3JY
Incorporated 11/10/2002

Compliance

Accounts

Up to date

Confirmation statement

Up to date

Industry

41100
Development of building projects

Officers

Mr Benjamin Marcus Lucius Whetstone

director · Since 07/11/2002

DEVELOPER

BRITISH · UNITED KINGDOM · Age 56

Also on 5 other boards

Persons with Significant Control

Mr Benjamin Marcus Lucius Whetstone

25–50% shares

British · United Kingdom · Age 56

8, Rosamond Road, Bedford, MK40 3SR

Notified 10/09/2016

Former PSCs

Mr Paul Alston

Ceased 01/07/2020

Charges4 outstanding

Charge
outstanding

REBEKAH ANN HOWE, SIMON CHARLES LOUSADA AND BRUCE ALEXANDER MACKAY AS TRUSTEES OF MARK A HOWE T

Created 27/08/2024Registered 28/08/2024
Charge
outstanding

LOUSADA PLC

Created 19/12/2023Registered 19/12/2023
Charge
outstanding

REBEKAH ANN HOWE TRUSTEE OF MARK A HOWE TRUST FUND · SIMON CHARLES LOUSADA TRUSTEE OF MARK A HOWE TRUST FUND · BRUCE ALEXANDER MACKAY TRUSTEE OF MARK A HOWE TRUST FUND

Created 20/01/2020Registered 23/01/2020
Charge
satisfied

REBEKAH ANN HOWE, TRUSTEE OF MARK A HOWE TRUST FUND · SIMON CHARLES LOUSADA, TRUSTEE OF MARK A HOWE TRUST FUND · BRUCE ALEXANDER MACKAY, TRUSTEE OF MARK A HOWE TRUST FUND

Created 22/02/2018Registered 24/02/2018Satisfied 18/08/2022
Charge
satisfied

TIMOTHY CHARLES TAYLOR

Created 03/07/2015Registered 17/07/2015Satisfied 15/09/2022
Charge
satisfied

AIB GROUP (UK) P.L.C.

Created 11/09/2014Registered 18/09/2014Satisfied 15/09/2022
Charge
outstanding

TIMOTHY CHARLES TAYLOR

Created 13/08/2014Registered 27/08/2014
charge
satisfied

TIMOTHY CHARLES TAYLOR

Created 10/04/2012Registered 26/04/2012Satisfied 15/09/2022
charge
satisfied

AIB GROUP (UK) PLC

Created 19/12/2008Registered 24/12/2008Satisfied 28/07/2022
charge
satisfied

AIB GROUP (UK) PLC

Created 07/02/2008Registered 13/02/2008Satisfied 28/07/2022
charge
satisfied

AIB GROUP (UK) PLC

Created 25/01/2008Registered 30/01/2008Satisfied 28/07/2022
charge
satisfied

AIB GROUP (UK) PLC

Created 14/11/2007Registered 15/11/2007Satisfied 28/07/2022
charge
satisfied

AIB GROUP (UK) PLC

Created 20/07/2007Registered 26/07/2007Satisfied 28/07/2022
charge
satisfied

TIMOTHY CHARLES TAYLOR

Created 26/06/2007Registered 03/07/2007Satisfied 28/07/2022
charge
satisfied

AIB GROUP (UK) PLC

Created 23/10/2006Registered 25/10/2006Satisfied 28/07/2022
charge
satisfied

AIB GROUP (UK) P.L.C

Created 07/12/2005Registered 08/12/2005Satisfied 21/07/2022
charge
satisfied

AIB GROUP (UK) PLC

Created 06/09/2004Registered 08/09/2004Satisfied 21/07/2022
charge
satisfied

AIB GROUP (UK) P.L.C.

Created 26/02/2004Registered 05/03/2004Satisfied 21/07/2022
charge
satisfied

AIB GROUP (UK) P.L.C.

Created 27/02/2004Registered 03/03/2004Satisfied 21/07/2022
charge
satisfied

AIB GROUP (UK) PLC

Created 27/02/2004Registered 03/03/2004Satisfied 21/07/2022
charge
satisfied

AIB GROUP (UK) P.L.C.

Created 27/01/2004Registered 03/02/2004Satisfied 14/07/2022
charge
satisfied

TUDOR HOMES (EAST ANGLIA) LIMITED

Created 24/10/2003Registered 08/11/2003Satisfied 14/07/2022
charge
satisfied

TUDOR HOMES (EAST ANGLIA) LIMITED

Created 24/10/2003Registered 08/11/2003Satisfied 14/07/2022
charge
satisfied

THE ROYAL BANK OF SCOTLAND PLC

Created 06/01/2003Registered 07/01/2003Satisfied 14/07/2022

CompanyRankvs 40491+ SIC 41100 peers
42

Financial strength37th percentile among SIC peers · 9/25
Employees46th percentile among SIC peers · 7/15
LiquidityCurrent ratio 0.87× · 6/20
Longevity15 years trading (max 15) · 15/15
Filing complianceAll filings up to date · 15/15
Outstanding charges -10
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40491Finsbury Designs Ltd
48
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.

Employees7/15 pts

Workforce size relative to sector peers from the most recent accounts. A larger team generally signals commercial scale.

Liquidity6/20 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 31/10/2025

Net Worth

£100

Balance sheet strength

Cash

£9k

Cash in the bank

Net Current Assets

-£235k

Working capital

Current Assets

£1.6M

Current Liabilities

£1.9M

Fixed Assets

£656k

Debtors

£27k

1avg. employees

Balance Sheet

Intangible assets£96k
Prepared with v2026.5.1 limited_company_frs_102_section_1a_v1_1_3 companies_house

EstimatesDerived

YearCurrent Ratio
20250.87
20250.87
20240.73
20230.86
20220.85
20210.99
20200.99
20191.14
20181.07

Derived from filed accounts. Not audited figures.