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West One Loan Limited

05385677

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

Some Concerns

30/30
Filing
10/30
Financial
38/40
Risk
  • Going concern doubt noted in accounts (-10)
  • 1 outstanding charge (-2)

Details

THIRD FLOOR THE EDWARD HYDE BUILDING, WATFORD, WD17 1JW
Incorporated 08/03/2005

Compliance

Last accounts

31/12/2025

full

Next accounts due

30/09/2027

On track

Confirmation statement

Last: 28/04/2026

Due 12/05/2027

On track

Industry

64922
64922

Officers

Mrs Emily Henrietta Gestetner

director · Since 08/08/2014

DIRECTOR

BRITISH · UNITED KINGDOM · Age 59

Also on 55 other boards

Mr Danny Stephen Waters

director · Since 08/08/2014

DIRECTOR

BRITISH · UNITED KINGDOM · Age 41

Also on 19 other boards

Stephen Andrew Hogg

director · Since 11/10/2019

DIRECTOR

BRITISH · UNITED KINGDOM · Age 44

Also on 6 other boards

Mark Preston

director · Since 03/04/2023

DIRECTOR

BRITISH · UNITED KINGDOM · Age 66

Also on 3 other boards

Persons with Significant Control

Enra Specialist Finance Limited

75–100% shares
75–100% votes
Appoint directors

Third Floor, The Edward Hyde Building, Watford, WD17 1JW

Reg: 08773012 · England & Wales · Uk Limited Company

Notified 06/04/2016

Charges1 outstanding

Charge
outstanding

JPMORGAN CHASE BANK N.A. LONDON BRANCH

Created 12/12/2024Registered 18/12/2024

CompanyRankvs 557+ SIC 64922 peers
50

Financial strength100th percentile among SIC peers · 25/25
Employees100th percentile among SIC peers · 15/15
LiquidityNo balance sheet data · 0/20
Longevity15 years trading (max 15) · 15/15
Filing complianceAll filings up to date · 15/15
Going concern doubt -10Outstanding charges -10
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How is this score calculated?
Financial strength25/25 pts

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

Employees15/15 pts

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

Liquidity0/20 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

Going concern doubt: -10 pts

Outstanding charges: -10 pts

Maximum score is 100. Deductions apply for insolvency history, outstanding charges, going concern doubt, or disqualified officers.

Going Concern Doubt

financial statements in the UK, which includes the FRC’s Ethical Standard, and we have fulfilled our other ethical responsibilities in accordance with these requirements. Conclusions relating to going concern Based on the work we have performed, we have not identified any material uncertainties relating to events or conditions that, individually or collectively, may cast significant doubt on the c

Key FinancialsYear ending 31/12/2025

Net Worth

£105.0M

Balance sheet strength

Cash

£11.3M

Cash in the bank

Profit Before Tax

£42.2M

Bottom line earnings

Net Current Assets

Working capital

Current Assets

Current Liabilities

£61.4M

Debtors

£7.7M

Admin Expenses

£9.6M

Operating Profit

£42.2M

35avg. employees+10

Tax at Year End(2023)

Corp tax£47k
Dividends paid£30.0M

People Costs

Wages & salaries£2.8M
NI contributions£471k

Balance Sheet

Interest payable£34.6M
Total assets£696.8M
Prepared with DataTracks-Aurora

EstimatesDerived

YearCurrent RatioImplied Profit
2025+£43.4M
2023217.56

Derived from filed accounts. Not audited figures.