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Orchard Finance Limited

07074570

active
ltd
england wales
Companies House
Health Score
73 / 100

Some Concerns

25/30
Filing
10/30
Financial
38/40
Risk
  • No accounts filed in last 18 months (-5)
  • Going concern doubt noted in accounts (-10)
  • 1 outstanding charge (-2)

Details

222 Armstrong Road, Luton, LU2 0FY
Incorporated 12/11/2009

Previously known as

Think Direct Finance Ltd · until 22/03/2013
Bexhill Uk Premium Finance Ltd · until 18/02/2010

Compliance

Last accounts

31/01/2026

audit exemption subsidiary

Next accounts due

31/10/2027

On track

Confirmation statement

Last: 09/11/2025

Due 23/11/2026

On track

Industry

64929
64929

Officers

Mr Rabinder Singh Takhar

director · Since 12/11/2009

MANAGING DIRECTOR

BRITISH · ENGLAND · Age 61

Also on 7 other boards

Ms Tatiana Korenkova

director · Since 15/06/2016

HEAD OF OPERATIONS

BRITISH · ENGLAND · Age 54

Also on 10 other boards

Miss Emmia Louise Stratford

director · Since 20/07/2016

SYSTEM MANAGER

BRITISH · ENGLAND · Age 44

Also on 9 other boards

Mr Liam Leo Mcshane

secretary · Since 11/11/2016

Also on 7 other boards

Mr Liam Leo Mcshane

director · Since 12/04/2024

CERTIFIED CHARTERED ACCOUNTANT

BRITISH · ENGLAND · Age 68

Also on 7 other boards

Rabinder Singh Takhar

director · Since 12/11/2009

British · England · Age 61

Tatiana Korenkova

director · Since 15/06/2016

British · England · Age 54

Emmia Louise Stratford

director · Since 20/07/2016

British · England · Age 44

Liam Leo Mcshane

secretary · Since 11/11/2016

Liam Leo Mcshane

director · Since 12/04/2024

British · England · Age 68

Persons with Significant Control

Orchard Funding Group Plc

75–100% shares

222, Armstrong Road, Luton, LU2 0FY

Notified 13/11/2016

Former PSCs

Mr Rabinder Singh Takhar

Ceased 13/11/2016

Charges1 outstanding

Charge
outstanding

TOYOTA FINANCIAL SERVICES (UK) PLC

Created 21/01/2021Registered 21/01/2021
charge
satisfied

ORCHARD FUNDING LIMITED

Created 19/08/2010Registered 20/08/2010Satisfied 19/01/2021
charge
satisfied

BEXHILL UK LTD

Created 09/03/2010Registered 25/03/2010Satisfied 19/01/2021

Change History

officer appointedMCSHANE, Liam Leo
2026-08-20
officer appointedKORENKOVA, Tatiana
2026-08-20
officer appointedMCSHANE, Liam Leo
2026-08-20
officer appointedSTRATFORD, Emmia Louise
2026-08-20
officer appointedTAKHAR, Rabinder Singh
2026-08-20
statusactive
2026-08-20

Active

typeltd
2026-08-20

Private Limited Company

address line1222 Armstrong Road
2026-08-20

222 ARMSTRONG ROAD

post townLuton
2026-08-20

LUTON

CompanyRankvs 637+ SIC 64929 peers
36

Financial strength50th percentile among SIC peers · 13/25
Employees84th percentile among SIC peers · 13/15
LiquidityNo balance sheet data · 0/20
Longevity15 years trading (max 15) · 15/15
Filing complianceAll filings up to date · 15/15
Going concern doubt -10Outstanding charges -10
Show leaderboard
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.

Employees13/15 pts

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

Liquidity0/20 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

Going concern doubt: -10 pts

Outstanding charges: -10 pts

Maximum score is 100. Deductions apply for insolvency history, outstanding charges, going concern doubt, or disqualified officers.

Going Concern Doubt

of the directors' assessment of the company's ability to continue to adopt the going concern basis of accounting included : understanding how the parent company's group cash flow forecasts for the going concern period has been prepared and the assumptions adopted; considering the reasonableness of the parent company's group projections against group current year results; considering the outcome of

Key FinancialsYear ending 31/07/2022

Turnover

£167k

Annual revenue

Net Worth

£6k

Balance sheet strength

Cash

£624k

Cash in the bank

Profit Before Tax

£124k

Bottom line earnings

Net Current Assets

Working capital

Current Assets

Current Liabilities

£4.3M

Debtors

£6.1M

Cost of Sales

£30k

Gross Profit

£137k

Admin Expenses

£13k

Profit After Tax

£101k

3avg. employees

Tax at Year End

Corp tax£24k
Prepared with CCH Software