P.S. & J.E. Ward Ltd

06405783

active

Private Limited Company

england wales

Companies House

Health Score

65 / 100

Some Concerns

25/30

Filing

10/30

Financial

30/40

Risk

No accounts filed in last 18 months (-5)
Current liabilities exceed current assets (-10)
12 outstanding charges (-10)

Details

27-29 OLD MARKET, WISBECH, PE13 1NE

Incorporated 22/10/2007

Compliance

Last accounts

29/09/2024

total exemption full

Next accounts due

29/06/2026

On track

Confirmation statement

Last: 22/10/2025

Due 05/11/2026

On track

Industry

01190

Growing of other non-perennial crops

01290

Growing of other perennial crops

Officers

Mrs Janet Elizabeth Ward

secretary · Since 22/10/2007

BRITISH · ENGLAND · Age 77

Also on 3 other boards

Mrs Janet Elizabeth Ward

director · Since 22/10/2007

FLOWER GROWER

BRITISH · ENGLAND · Age 77

Also on 3 other boards

Mr Peter Stanley Ward

director · Since 22/10/2007

FLOWER GROWER

BRITISH · ENGLAND · Age 77

Also on 1 other board

director · Since 01/10/2014

DIRECTOR

BRITISH · ENGLAND · Age 56

Also on 2 other boards

Mrs Susanne Elizabeth Eves

director · Since 01/10/2014

DIRECTOR

BRITISH · ENGLAND · Age 53

Mr Timothy Peter Ward

director · Since 01/10/2014

DIRECTOR

BRITISH · ENGLAND · Age 48

Persons with Significant Control

Mr Mark Eves

Significant control

British · England · Age 56

27-29, Old Market, Wisbech, PE13 1NE

Notified 06/04/2016

Mr Peter Stanley Ward

25–50% shares

25–50% votes

British · United Kingdom · Age 77

72 New Roman Bank, Terrington St Clements, Kings Lynn, PE34 4HN

Notified 06/04/2016

Mr Timothy Peter Ward

Significant control

British · England · Age 48

27-29, Old Market, Wisbech, PE13 1NE

Notified 06/04/2016

Mrs Janet Elizabeth Ward

25–50% shares

25–50% votes

British · United Kingdom · Age 77

72 New Roman Bank, Terrington St Clements, Kings Lynn, PE34 4HN

Notified 06/04/2016

Former PSCs

Mrs Susanne Elizabeth Eves

Ceased 20/03/2018

Charges12 outstanding

Charge

outstanding

DAVENHAM ASSET FINANCE LTD

Created 08/01/2026Registered 13/01/2026

Charge

outstanding

SANTANDER UK PLC

Created 27/02/2015Registered 14/03/2015

Charge

outstanding

SANTANDER UK PLC

Created 27/02/2015Registered 14/03/2015

Charge

outstanding

SANTANDER UK PLC

Created 27/02/2015Registered 14/03/2015

Charge

outstanding

SANTANDER UK PLC

Created 27/02/2015Registered 14/03/2015

Charge

outstanding

SANTANDER UK PLC

Created 27/02/2015Registered 14/03/2015

Charge

outstanding

SANTANDER UK PLC

Created 27/02/2015Registered 14/03/2015

Charge

outstanding

SANTANDER UK PLC

Created 27/02/2015Registered 14/03/2015

Charge

outstanding

SANTANDER UK PLC

Created 27/02/2015Registered 14/03/2015

Charge

outstanding

SANTANDER UK PLC

Created 27/02/2015Registered 14/03/2015

Charge

outstanding

SANTANDER UK PLC

Created 27/02/2015Registered 14/03/2015

Charge

outstanding

SANTANDER UK PLC

Created 27/02/2015Registered 14/03/2015

charge

satisfied

CLYDESDALE BANK PLC

Created 18/01/2008Registered 01/02/2008Satisfied 25/03/2015

charge

satisfied

CLYDESDALE BANK PLC

Created 11/01/2008Registered 16/01/2008Satisfied 25/03/2015

CompanyRankvs 71+ SIC 01190 peers
63

Financial strength91th percentile among SIC peers · 23/25

Employees95th percentile among SIC peers · 14/15

LiquidityCurrent ratio 0.65× · 6/20

Longevity15 years trading (max 15) · 15/15

Filing complianceAll filings up to date · 15/15

Outstanding charges -10

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71P.S. & J.E. Ward Ltd

69

How is this score calculated?

Financial strength23/25 pts

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

Employees14/15 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.

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 29/09/2024

Net Worth

£2.3M

Balance sheet strength

Cash

—

Cash in the bank

Net Current Assets

-£1.2M

Working capital

Current Assets

£2.3M

Current Liabilities

£3.4M

Fixed Assets

£4.0M

Debtors

£692k

44avg. employees-2

Tax at Year End(2020)

Corp tax£678

Dividends paid£100k

Director Loans(2019)

Company owes directors£138k

People Costs(2020)

Wages & salaries£1.2M

NI contributions£105k

Balance Sheet

Bank loans & overdrafts£394k

Assets less current liabilities£2.8M

Prepared with IRIS Accounts Production

EstimatesDerived

Year	Current Ratio	Implied Profit
2024	0.65	+£229k
2023	0.74	-£156k
2022	0.72	-£449k
2021	0.80	-£47k
2020	0.87	-£138k
2019	0.89	+£272k
2018	0.73	—

Derived from filed accounts. Not audited figures.