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Cardinal Business Finance Limited

07363334

active
Private Limited Company
england wales
Companies House
Health Score
70 / 100

Some Concerns

30/30
Filing
0/30
Financial
40/40
Risk
  • Negative net worth (-10)
  • Current liabilities exceed current assets (-10)
  • Going concern doubt noted in accounts (-10)

Details

LIVERPOOL ROAD STUDIOS 113 LIVERPOOL ROAD, SUITE 4, LIVERPOOL, L23 5TD
Incorporated 02/09/2010

Compliance

Last accounts

30/09/2025

total exemption full

Next accounts due

30/06/2027

On track

Confirmation statement

Last: 31/08/2025

Due 14/09/2026

On track

Industry

66220
Activities of insurance agents and brokers

Officers

Mrs Claire Shaw

director · Since 02/09/2010

ACCOUNT MANAGER

BRITISH · ENGLAND · Age 59

Also on 2 other boards

Mr Darren Andrew Shaw

director · Since 02/09/2010

FINANCE BROKER

BRITISH · ENGLAND · Age 55

Persons with Significant Control

Mrs Claire Shaw

75–100% shares

British · England · Age 59

Liverpool Road Studios, 113 Liverpool Road, Suite 4, Liverpool, L23 5TD

Notified 06/04/2016

CompanyRankvs 4255+ SIC 66220 peers
34

Financial strength10th percentile among SIC peers · 3/25
Employees30th percentile among SIC peers · 5/15
LiquidityCurrent ratio 0.77× · 6/20
Longevity15 years trading (max 15) · 15/15
Filing complianceAll filings up to date · 15/15
Going concern doubt -10
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4255Cardinal Business Finance Limited
40
How is this score calculated?
Financial strength3/25 pts

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

Employees5/15 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

Going concern doubt: -10 pts

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

Going Concern Doubt

the UK and Republic of Ireland” including the provisions of Section 1A “Small Entities” and the Companies Act 2006. The financial statements have been prepared under the historic cost convention. Going concern In preparing these financial statements, the directors have assessed whether there are any material uncertainties related to events or conditions that cast significant doubt upon the company

Key FinancialsYear ending 30/09/2025

Net Worth

-£2k

Balance sheet strength

Cash

£11k

Cash in the bank

Net Current Assets

-£3k

Working capital

Current Assets

£11k

Current Liabilities

£14k

Fixed Assets

£964

1avg. employees

Balance Sheet

Assets less current liabilities-£2k
Signed by Mr D Shaw,Prepared with IRIS Elements Accounts Production

EstimatesDerived

YearCurrent RatioImplied Profit
20250.77-£4k
2024—+£431

Derived from filed accounts. Not audited figures.