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Willows Finance Limited

06678545

active
Private Limited Company
Companies House
Health Score
90 / 100

Healthy

30/30
Filing
20/30
Financial
40/40
Risk

No risk factors detected.

Details

GOLDEN MILE DRIVE, BRIDGEND, CF35 5AS
Incorporated 21/08/2008

Compliance

Accounts

Up to date

Confirmation statement

Up to date

Industry

64999
Other financial service activities

Officers

Mr James Henri Millan

director · Since 21/08/2008

DIRECTOR

BRITISH · UNITED KINGDOM · Age 50

Mr Ceri Gwyn Harris

director · Since 01/05/2023

COMPANY DIRECTOR

WELSH · WALES · Age 40

Also on 1 other board

Persons with Significant Control

Mr James Henri Millan

25–50% shares
25–50% votes

British · United Kingdom · Age 50

Golden Mile Drive, Brocastle, Bridgend, CF35 3AS

Notified 06/04/2016

Mr Ceri Gwyn Harris

25–50% shares
25–50% votes

Welsh · Wales · Age 40

Golden Mile Drive, Brocastle, Bridgend, CF35 5AS

Notified 05/08/2023

Former PSCs

Mrs Catherine Sarah Diane Harris

Ceased 05/08/2023

Mrs Catherine Sarah Diane Harris

Ceased 10/11/2025

Charges0 outstanding

charge
satisfied

WATERSTONE ESTATES LIMITED

Created 05/07/2010Registered 10/07/2010Satisfied 02/10/2025

CompanyRankvs 676+ SIC 64999 peers
85

Financial strength82th percentile among SIC peers · 21/25
Employees90th percentile among SIC peers · 14/15
LiquidityCurrent ratio 2.23× · 20/20
Longevity15 years trading (max 15) · 15/15
Filing complianceAll filings up to date · 15/15
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676Willows Finance Limited
85
How is this score calculated?
Financial strength21/25 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.

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 31/08/2025

Net Worth

£140k

Balance sheet strength

Cash

—

Cash in the bank

Net Current Assets

£139k

Working capital

Current Assets

£241k

Current Liabilities

£108k

Fixed Assets

£3k

5avg. employees+2

Balance Sheet

Assets less current liabilities£142k
Signed by Mr Ceri Harris Mr James Millan 25/05/2026Prepared with Acorah Software Products - Accounts Production

EstimatesDerived

YearCurrent RatioImplied Profit
20252.23+£99k
20241.03+£34k
20231.13-£8k
20221.54-£15k
20212.05—

Derived from filed accounts. Not audited figures.