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Cutwater Homes Limited

04896895

active
Private Limited Company
england wales
Companies House
Health Score
78 / 100

Some Concerns

30/30
Filing
10/30
Financial
38/40
Risk
  • Current liabilities exceed current assets (-10)
  • 1 outstanding charge (-2)

Details

590 GREEN LANES, N13 5RY
Incorporated 12/09/2003

Compliance

Last accounts

30/09/2025

total exemption full

Next accounts due

30/06/2027

On track

Confirmation statement

Last: 23/04/2026

Due 07/05/2027

On track

Industry

68209
Other letting and operating of own or leased real estate

Officers

Mrs Gillian Alice Efstathiou

secretary · Since 12/09/2003

DIRECTOR

BRITISH · UNITED KINGDOM · Age 73

Also on 13 other boards

Mrs Gillian Alice Efstathiou

director · Since 12/09/2003

DIRECTOR

BRITISH · UNITED KINGDOM · Age 73

Also on 13 other boards

Mr Tassos Efstathiou

director · Since 12/09/2003

ARCHITECTURAL CONSULTANT

BRITISH · UNITED KINGDOM · Age 71

Also on 7 other boards

Persons with Significant Control

Mrs Gillian Alice Efstathiou

75–100% shares
75–100% votes

British · United Kingdom · Age 73

12, Corri Avenue, London, N14 7HL

Notified 06/04/2016

Mr Tassos Efstathiou

75–100% shares
75–100% votes

British · United Kingdom · Age 71

12, Corri Avenue, London, N14 7HL

Notified 06/04/2016

Charges1 outstanding

Charge
outstanding

ONESAVINGS BANK PLC

Created 12/09/2014Registered 13/09/2014
charge
satisfied

NATIONAL WESTMINSTER BANK PLC

Created 23/02/2010Registered 22/06/2010Satisfied 30/08/2014
charge
satisfied

NATIONAL WESTMINSTER BANK PLC

Created 24/04/2007Registered 28/04/2007Satisfied 30/08/2014
charge
satisfied

NATIONAL WESTMINSTER BANK PLC

Created 28/02/2006Registered 04/03/2006Satisfied 30/08/2014
charge
satisfied

THE MORTGAGE WORKS (UK) LIMITED

Created 08/09/2005Registered 13/09/2005Satisfied 06/10/2025
charge
satisfied

CAPITAL HOME LOANS LIMITED

Created 21/10/2003Registered 31/10/2003Satisfied 21/10/2014

CompanyRankvs 8751+ SIC 68209 peers
72

Financial strength81th percentile among SIC peers · 20/25
Employees77th percentile among SIC peers · 12/15
LiquidityCurrent ratio 295.1× · 20/20
Longevity15 years trading (max 15) · 15/15
Filing complianceAll filings up to date · 15/15
Outstanding charges -10
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8751Cutwater Homes Limited
82
How is this score calculated?
Financial strength20/25 pts

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

Employees12/15 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

£144k

Balance sheet strength

Cash

£70k

Cash in the bank

Net Current Assets

£109k

Working capital

Current Assets

£110k

Current Liabilities

£372

Debtors

£40k

2avg. employees

Balance Sheet

Bank loans & overdrafts£375k
Assets less current liabilities£519k
Signed by 04896895 2024-10-01 2025-09-30 04896895 2025-09-30 04896895 bus:OrdinaryShareClass1 2025-09-30 04896895 core:CurrentFinaPrepared with Digita Accounts Production Advanced

EstimatesDerived

YearCurrent RatioImplied Profit
2025295.10-£11k
2024220.34-£13k
202373.70-£14k
2022259.26-£3k
2021199.49-£2k
2020247.33—

Derived from filed accounts. Not audited figures.