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Fresh Start Homes Limited

04796436

active
Private Limited Company
Companies House
Health Score
70 / 100

Some Concerns

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

Details

2 ROCK COTTAGES, BELPER, DE56 2UP
Incorporated 12/06/2003

Compliance

Accounts

Up to date

Confirmation statement

Up to date

Industry

68100
Buying and selling of own real estate

Officers

Mr Vejay Pal

director · Since 12/06/2003

DIRECTOR

BRITISH · UNITED KINGDOM · Age 52

Also on 9 other boards

Mr Vejay Pal

secretary · Since 21/09/2006

BRITISH · UNITED KINGDOM · Age 52

Also on 9 other boards

Persons with Significant Control

Mr Vejay Pal

75–100% shares
75–100% votes

British · England · Age 52

2 Rock Cottages, Farnah Green, Belper, DE56 2UP

Notified 06/04/2016

Charges8 outstanding

Charge
outstanding

THE MORTGAGE WORKS (UK) PLC

Created 14/05/2026Registered 14/05/2026
Charge
outstanding

CHARTER COURT FINANCIAL SERVICES LIMITED

Created 16/05/2022Registered 16/05/2022
charge
satisfied

NATIONAL WESTMINSTER BANK PLC

Created 16/04/2007Registered 17/04/2007Satisfied 25/08/2021
charge
satisfied

NATIONAL WESTMINSTER BANK PLC

Created 05/04/2007Registered 11/04/2007Satisfied 26/08/2021
charge
satisfied

NATIONAL WESTMINSTER BANK PLC

Created 04/04/2007Registered 07/04/2007Satisfied 26/08/2021
charge
satisfied

NATIONAL WESTMINSTER BANK PLC

Created 09/03/2007Registered 19/03/2007Satisfied 25/08/2021
charge
satisfied

CAPITAL HOME LOANS LIMITED

Created 09/01/2007Registered 17/01/2007Satisfied 25/08/2021
charge
satisfied

NATIONAL WESTMINSTER BANK PLC

Created 02/01/2007Registered 04/01/2007Satisfied 25/08/2021
charge
satisfied

NATIONAL WESTMINSTER BANK PLC

Created 08/12/2006Registered 22/12/2006Satisfied 24/08/2021
charge
satisfied

NATIONAL WESTMINSTER BANK PLC

Created 12/12/2006Registered 19/12/2006Satisfied 24/08/2021
charge
satisfied

NATIONAL WESTMINSTER BANK PLC

Created 29/11/2006Registered 08/12/2006Satisfied 24/08/2021
charge
satisfied

NATIONAL WESTMINSTER BANK PLC

Created 17/11/2006Registered 18/11/2006Satisfied 24/08/2021
charge
satisfied

NATIONAL WESTMINSTER BANK PLC

Created 10/11/2006Registered 18/11/2006Satisfied 24/08/2021
charge
satisfied

NATIONAL WESTMINSTER BANK PLC

Created 06/10/2006Registered 07/10/2006Satisfied 24/08/2021
charge
outstanding

MORTGAGE TRUST LIMITED

Created 07/07/2006Registered 26/07/2006
charge
outstanding

CAPITAL HOME LOANS LIMITED

Created 18/07/2006Registered 19/07/2006
charge
satisfied

NATIONAL WESTMINSTER BANK PLC

Created 14/07/2006Registered 18/07/2006Satisfied 24/08/2021
charge
outstanding

CAPITAL HOME LOANS LIMITED

Created 26/05/2006Registered 01/06/2006
charge
satisfied

NATIONAL WESTMINSTER BANK PLC

Created 12/05/2006Registered 17/05/2006Satisfied 23/08/2021
charge
satisfied

NATIONAL WESTMINSTER BANK PLC

Created 05/05/2006Registered 11/05/2006Satisfied 23/08/2021
charge
satisfied

THE MORTGAGE WORKS (UK) PLC

Created 12/04/2006Registered 18/04/2006Satisfied 23/08/2021
charge
outstanding

THE MORTGAGE WORKS (UK) PLC

Created 12/04/2006Registered 18/04/2006
charge
outstanding

THE MORTGAGE WORKS

Created 31/01/2006Registered 02/02/2006
charge
satisfied

NATIONAL WESTMINSTER BANK PLC

Created 11/11/2005Registered 17/11/2005Satisfied 23/08/2021
charge
satisfied

NATIONAL WESTMINSTER BANK PLC

Created 14/10/2005Registered 26/10/2005Satisfied 23/08/2021
charge
satisfied

NATIONAL WESTMINSTER BANK PLC

Created 06/10/2005Registered 20/10/2005Satisfied 23/08/2021
charge
outstanding

NATIONAL WESTMINSTER BANK PLC

Created 29/07/2005Registered 17/08/2005
charge
satisfied

NATIONAL WESTMINSTER BANK PLC

Created 06/07/2005Registered 08/07/2005Satisfied 02/03/2022

CompanyRankvs 31142+ SIC 68100 peers
50

Financial strength77th percentile among SIC peers · 19/25
Employees59th percentile among SIC peers · 9/15
LiquidityCurrent ratio 0.32× · 2/20
Longevity15 years trading (max 15) · 15/15
Filing complianceAll filings up to date · 15/15
Outstanding charges -10
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31142Fresh Start Homes Limited
60
How is this score calculated?
Financial strength19/25 pts

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

Employees9/15 pts

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

Liquidity2/20 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 30/06/2026

Net Worth

£37k

Balance sheet strength

Cash

£7k

Cash in the bank

Net Current Assets

-£33k

Working capital

Current Assets

£15k

Current Liabilities

£49k

Fixed Assets

£542k

Debtors

£9k

1avg. employees

Balance Sheet

Bank loans & overdrafts£472k
Assets less current liabilities£509k
Signed by 04796436 2025-07-01 2026-06-30 04796436 2026-06-30 04796436 bus:OrdinaryShareClass1 2026-06-30 04796436 core:CurrentFinaPrepared with Digita Accounts Production Advanced

EstimatesDerived

YearCurrent RatioImplied Profit
20260.32+£2k
20250.27+£987
20240.17-£508
20230.18—

Derived from filed accounts. Not audited figures.