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The Lending Lab Limited

06063484

active
Private Limited Company
england wales
Companies House
Health Score
70 / 100

Some Concerns

30/30
Filing
0/30
Financial
40/40
Risk
  • Negative net worth (-10)
  • Current liabilities exceed current assets (-10)

Details

470 HUCKNALL ROAD, NOTTINGHAM, NG5 1FX
Incorporated 24/01/2007

Compliance

Last accounts

31/01/2026

unaudited abridged

Next accounts due

31/10/2027

On track

Confirmation statement

Last: 23/01/2026

Due 06/02/2027

On track

Industry

64999
Other financial service activities

Officers

Mr Gavin Patrick Allmand

secretary · Since 24/01/2007

BRITISH · UNITED KINGDOM · Age 64

Also on 20 other boards

Mr Julian Anthony Lawrence

director · Since 24/01/2007

COMMERCIAL FINANCE BROKER

BRITISH · UNITED KINGDOM · Age 55

Also on 4 other boards

Persons with Significant Control

Mr Julian Anthony Lawrence

75–100% shares

British · United Kingdom · Age 55

470, Hucknall Road, Nottingham, NG5 1FX

Notified 24/01/2017

CompanyRankvs 15422+ SIC 64999 peers
45

Financial strength10th percentile among SIC peers · 3/25
Employees39th percentile among SIC peers · 6/15
LiquidityCurrent ratio 0.96× · 6/20
Longevity15 years trading (max 15) · 15/15
Filing complianceAll filings up to date · 15/15
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How is this score calculated?
Financial strength3/25 pts

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

Employees6/15 pts

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

Liquidity6/20 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 31/01/2026

Net Worth

-£3k

Balance sheet strength

Cash

£117k

Cash in the bank

Net Current Assets

-£4k

Working capital

Current Assets

£119k

Current Liabilities

£124k

Fixed Assets

£1k

Debtors

£2k

1avg. employees

Balance Sheet

Assets less current liabilities-£3k
Signed by Mr Julian Lawrence 14/04/2026Prepared with Acorah Software Products - Accounts Production

EstimatesDerived

YearCurrent RatioImplied Profit
20260.96-£38k
20251.48+£4k
20241.42+£7k
20231.45-£5k
20221.60+£17k
20211.20-£17k
20201.72-£2k
20191.80

Derived from filed accounts. Not audited figures.