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S.J. Whinney Construction Ltd

04940662

active
Private Limited Company
england wales
Companies House
Health Score
71 / 100

Some Concerns

25/30
Filing
10/30
Financial
36/40
Risk
  • No accounts filed in last 18 months (-5)
  • Current liabilities exceed current assets (-10)
  • 2 outstanding charges (-4)

Details

89 HIGH STREET, IPSWICH, IP7 5EA
Incorporated 22/10/2003

Compliance

Last accounts

31/10/2024

total exemption full

Next accounts due

31/07/2026

On track

Confirmation statement

Last: 22/10/2025

Due 05/11/2026

On track

Industry

41202
Construction of domestic buildings

Officers

Tracey Annette Whinney

secretary · Since 22/10/2003

BRITISH · Age 48

Mr Stuart James Whinney

director · Since 22/10/2003

DIRECTOR

BRITISH · UNITED KINGDOM · Age 56

Also on 1 other board

Persons with Significant Control

Mr Stuart James Whinney

50–75% shares
50–75% votes

British · United Kingdom · Age 56

Villa Farm Barn, Tuddenham Lane, Ipswich, IP5 1DT

Notified 06/04/2016

Mrs Tracey Annette Whinney

25–50% shares
25–50% votes

British · United Kingdom · Age 48

Villa Farm Barn, Tuddenham Lane, Ipswich, IP5 1DT

Notified 06/04/2016

Charges2 outstanding

Charge
outstanding

TOGETHER COMMERCIAL FINANCE LIMITED

Created 29/09/2023Registered 03/10/2023
Charge
outstanding

NATIONAL WESTMINSTER BANK PLC

Created 24/05/2021Registered 25/05/2021
Charge
satisfied

NATIONAL WESTMINSTER BANK PLC

Created 23/09/2013Registered 01/10/2013Satisfied 02/07/2014
Charge
satisfied

NATIONAL WESTMINSTER BANK PLC

Created 23/09/2013Registered 26/09/2013Satisfied 26/09/2023
charge
satisfied

NATIONAL WESTMINSTER BANK PLC

Created 31/05/2012Registered 21/06/2012Satisfied 12/03/2014
charge
satisfied

NATIONAL WESTMINSTER BANK PLC

Created 12/01/2012Registered 21/01/2012Satisfied 26/09/2023
charge
satisfied

NATIONAL WESTMINSTER BANK PLC

Created 29/02/2008Registered 18/03/2008Satisfied 14/01/2010
charge
satisfied

NATIONAL WESTMINSTER BANK PLC

Created 12/04/2007Registered 17/04/2007Satisfied 16/05/2008

CompanyRankvs 3416+ SIC 41202 peers
72

Financial strength96th percentile among SIC peers · 24/25
Employees82th percentile among SIC peers · 12/15
LiquidityCurrent ratio 1.73× · 16/20
Longevity15 years trading (max 15) · 15/15
Filing complianceAll filings up to date · 15/15
Outstanding charges -10
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How is this score calculated?
Financial strength24/25 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.

Liquidity16/20 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 31/10/2024

Net Worth

£525k

Balance sheet strength

Cash

£25k

Cash in the bank

Net Current Assets

£487k

Working capital

Current Assets

£1.2M

Current Liabilities

£669k

Fixed Assets

£59k

Debtors

£1.1M

3avg. employees

Balance Sheet

Assets less current liabilities£546k
Prepared with IRIS Accounts Production

EstimatesDerived

YearCurrent RatioImplied Profit
20241.73-£217k
20231.75-£118k
20222.17+£673k
20210.95-£11k
20201.46-£20k
20191.74-£53k
20181.61

Derived from filed accounts. Not audited figures.