Back to search

Constructive Lending Limited

05713322

active
ltd
england wales
Companies House
Health Score
85 / 100

Healthy

25/30
Filing
20/30
Financial
40/40
Risk
  • No accounts filed in last 18 months (-5)

Details

7 St James Square, Manchester, M2 6XX
Incorporated 17/02/2006

Previously known as

Constructive Lending Manchester Limited · until 25/01/2016
Affirmative Funding Limited · until 19/01/2016
U K Bridging Corporation Limited · until 16/03/2010
Affirmative Facilities Limited · until 13/11/2006

Compliance

Last accounts

28/02/2025

micro entity

Next accounts due

30/11/2026

On track

Confirmation statement

Last: 17/02/2026

Due 03/03/2027

On track

Industry

64922
64922

Officers

Mr Gary Scott Lederberg Llb (Hons)

secretary · Since 17/02/2006

BRITISH · UNITED KINGDOM · Age 54

Also on 7 other boards

Mr Eugene Barry Esterkin

director · Since 17/02/2006

SOLICITOR

BRITISH · ENGLAND · Age 67

Also on 26 other boards

Mr Gary Scott Lederberg Llb (Hons)

director · Since 17/02/2006

SOLICITOR

BRITISH · ENGLAND · Age 54

Also on 7 other boards

Mr Paul Edward Mitchell

director · Since 16/02/2010

ACCOUNTANT

BRITISH · UNITED KINGDOM · Age 49

Also on 4 other boards

Gary Scott Lederberg

secretary · Since 17/02/2006

British

Eugene Barry Esterkin

director · Since 17/02/2006

British · England · Age 67

Gary Scott Lederberg

director · Since 17/02/2006

British · England · Age 54

Paul Edward Mitchell

director · Since 16/02/2010

British · United Kingdom · Age 49

Persons with Significant Control

Mr Gary Scott Lederberg

25–50% shares
25–50% votes

British · England · Age 54

7 St James Square, M2 6XX

Notified 28/02/2018

Mr Eugene Barry Esterkin

Significant control

British · England · Age 67

7 St James Square, M2 6XX

Notified 28/02/2018

Former PSCs

Mr Eugene Barry Esterkin

Ceased 28/02/2018

Lord David Alliance

Ceased 27/02/2018

Charges0 outstanding

charge
satisfied

AFFIRMATIVE FINANCE LIMITED

Created 31/03/2009Registered 01/04/2009Satisfied 24/05/2024
charge
satisfied

AFFIRMATIVE FINANCE LIMITED

Created 31/03/2009Registered 01/04/2009Satisfied 24/05/2024

Change History

status → active
2026-07-28

Active

type → ltd
2026-07-28

Private Limited Company

address line1 → 7 St James Square
2026-07-28

7 ST JAMES SQUARE

officer appointed → LEDERBERG, Gary Scott
2026-07-28
officer appointed → ESTERKIN, Eugene Barry
2026-07-28
officer appointed → LEDERBERG, Gary Scott
2026-07-28
officer appointed → MITCHELL, Paul Edward
2026-07-28

CompanyRankvs 283+ SIC 64922 peers
76

Financial strength95th percentile among SIC peers · 24/25
Employees11th percentile among SIC peers · 2/15
LiquidityCurrent ratio 2.3× · 20/20
Longevity15 years trading (max 15) · 15/15
Filing complianceAll filings up to date · 15/15
Show leaderboard
1Cmme Mortgages And Protection Limited
90
2Mwa Financial Advice Ltd
90
3Threshold Financial Services Limited
90
4Maher Brownsword Limited
89
5South West Mortgage Solutions Limited
89
6Uk Property Finance Limited
89
7Financial Profiles Limited
89
8Jordan Lynch Limited
89
9Private Wealth Mortgages Limited
89
10Visionary Finance Limited
89
283Constructive Lending Limited
76
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.

Employees2/15 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.

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

Key FinancialsYear ending 28/02/2025

Net Worth

£330k

Balance sheet strength

Cash

—

Cash in the bank

Net Current Assets

£330k

Working capital

Current Assets

£584k

Current Liabilities

£253k

0avg. employees

Balance Sheet

Assets less current liabilities£330k
Signed by 1.3.24Prepared with Company Accounts and Tax Online

EstimatesDerived

YearCurrent RatioImplied Profit
20252.30+£98k
20241.28+£65k
20231.18—

Derived from filed accounts. Not audited figures.