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The Smarter Choice Consultancy Ltd

06991924

active
ltd
england wales
Companies House
Health Score
90 / 100

Healthy

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

No risk factors detected.

Details

Suite A, 82 James Carter Road, Mildenhall, IP28 7DE
Incorporated 17/08/2009

Previously known as

The One Card Company Ltd · until 11/08/2015

Compliance

Last accounts

31/03/2025

micro entity

Next accounts due

31/12/2026

On track

Confirmation statement

Last: 07/08/2025

Due 21/08/2026

On track

Industry

96090
Other personal service activities

Officers

Derek Raymond Cruft

director · Since 17/08/2009

British · England · Age 50

Derek Cruft

secretary · Since 16/09/2010

Beth Georgina Hiblin

director · Since 16/09/2010

British · United Kingdom · Age 50

Former

Andrew Pratt

secretary · Resigned 16/09/2010

Persons with Significant Control

Ms Beth Georgina Hiblin

25–50% shares

British · United Kingdom · Age 50

Suite A, 82 James Carter Road, Mildenhall, IP28 7DE

Notified 17/08/2016

Mr Derek Raymond Cruft

25–50% shares

British · England · Age 50

Suite A, 82 James Carter Road, Mildenhall, IP28 7DE

Notified 17/08/2016

Change History

officer appointedCRUFT, Derek
2026-06-10
officer appointedCRUFT, Derek Raymond
2026-06-10
officer appointedHIBLIN, Beth Georgina
2026-06-10
statusactive
2026-06-10

Active

post townMildenhall
2026-06-10

MILDENHALL

typeltd
2026-06-10

Private Limited Company

address line1Suite A
2026-06-10

SUITE A

CompanyRankvs 52848+ SIC 96090 peers
51

Financial strength52th percentile among SIC peers · 13/25
Employees40th percentile among SIC peers · 6/15
LiquidityCurrent ratio -2.22× · 2/20
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 strength13/25 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.

Liquidity2/20 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 31/03/2025

Net Worth

£1k

Balance sheet strength

Cash

Cash in the bank

Net Current Assets

£7k

Working capital

Current Assets

£13k

Current Liabilities

-£6k

1avg. employees

Balance Sheet

Assets less current liabilities£7k
Prepared with Hypertax

EstimatesDerived

YearCurrent RatioImplied Profit
20252.22
20242.80
20236.58-£29k
20225.94+£503
20215.33+£15k
20203.30+£6k
20193.55

Derived from filed accounts. Not audited figures.