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Concept Finance Ltd

06240155

active
Private Limited Company
Companies House
Health Score
80 / 100

Healthy

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

Details

CONCEPT FINANCE LTD NEW ROAD, RAINHAM, RM13 9EB
Incorporated 08/05/2007

Compliance

Accounts

Up to date

Confirmation statement

Up to date

Industry

45112
Sale of used cars and light motor vehicles
64999
Other financial service activities

Officers

Mrs Moira Lillian Newmarch

director · Since 14/04/2008

ACCOUNTS

BRITISH · ENGLAND · Age 72

Mr David George Newmarch

director · Since 11/03/2019

DIRECTOR

BRITISH · ENGLAND · Age 38

Also on 4 other boards

Persons with Significant Control

Mr David George Newmarch

25–50% shares

British · England · Age 38

Concept Finance Ltd, New Road, Rainham, RM13 9EB

Notified 29/12/2023

Mrs Moira Lillian Newmarch

25–50% shares

British · England · Age 72

Concept Finance Ltd, New Road, Rainham, RM13 9EB

Notified 29/12/2023

Former PSCs

Mrs Moira Newmarch

Ceased 29/12/2023

Mr David George Newmarch

Ceased 07/04/2017

Charges0 outstanding

Charge
satisfied

BARCLAYS BANK PLC

Created 01/09/2020Registered 03/09/2020Satisfied 09/12/2025

CompanyRankvs 2762+ SIC 45112 peers
74

Financial strength35th percentile among SIC peers · 9/25
Employees97th percentile among SIC peers · 15/15
LiquidityCurrent ratio 7.14× · 20/20
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 strength9/25 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.

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 30/04/2025

Net Worth

£100

Balance sheet strength

Cash

£582k

Cash in the bank

Net Current Assets

£2.6M

Working capital

Current Assets

£3.0M

Current Liabilities

£420k

Fixed Assets

£6k

Debtors

£17k

13avg. employees-1

Tax at Year End(2024)

Corp tax£25k

Balance Sheet

Assets less current liabilities£2.6M
Prepared with IRIS Accounts Production

EstimatesDerived

YearCurrent RatioImplied Profit
20257.14—
20249.22—
20236.70+£101k
20225.20+£284k
202114.28—

Derived from filed accounts. Not audited figures.