Novato Limited
04956292
Some Concerns
- Current liabilities exceed current assets (-10)
- 3 outstanding charges (-6)
Details
Compliance
Last accounts
31/10/2025
micro entity
Next accounts due
31/07/2027
Confirmation statement
Last: 30/10/2025
Due 13/11/2026
Industry
Officers
director · Since 15/11/2003
DIRECTOR
BRITISH · ENGLAND · Age 69
Also on 5 other boards
Persons with Significant Control
Mr Richard Spencer Finian O'Driscoll
British · England · Age 69
69, Theynes Croft, Bristol, BS41 9NN
Notified 01/10/2016
Charges3 outstanding
CHARTER COURT FINANCIAL SERVICES LIMITED TRADING AS PRECISE MORTGAGES
KENSINGTON MORTGAGE COMPANY LIMITED
MORTGAGE EXPRESS
CompanyRankvs 32860+ SIC 68100 peers49
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How is this score calculated?
Net worth compared to all companies in the same SIC code with published accounts. Top quartile earns the full 25 points.
Workforce size relative to sector peers from the most recent accounts. A larger team generally signals commercial scale.
Current assets ÷ current liabilities. A ratio above 2× earns full marks; between 1–2× scores partially; below 0.5× scores minimal points.
One point per year of operation since incorporation, capped at 15. Older companies have a proven track record.
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
£945k
Balance sheet strength
Cash
—
Cash in the bank
Net Current Assets
-£379k
Working capital
Current Assets
£150k
Current Liabilities
£529k
Fixed Assets
£1.7M
Balance Sheet
EstimatesDerived
| Year | Current Ratio | Implied Profit |
|---|---|---|
| 2025 | 0.28 | +£20k |
| 2024 | 0.22 | +£35k |
| 2023 | 0.52 | — |
Derived from filed accounts. Not audited figures.