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Access Personal Checking Services Ltd

07399692

active
Private Limited Company
Companies House
Health Score
76 / 100

Some Concerns

30/30
Filing
10/30
Financial
36/40
Risk
  • Current liabilities exceed current assets (-10)
  • 2 outstanding charges (-4)

Details

ENTERPRISE HOUSE THE COURTYARD, WIRRAL, CH62 4UE
Incorporated 07/10/2010

Compliance

Accounts

Up to date

Confirmation statement

Up to date

Industry

96090
Other personal service activities

Officers

Mark Jamie Gardner

secretary · Since 07/10/2010

Mr Mark Jamie Gardner

director · Since 07/10/2010

DIRECTOR

BRITISH · UNITED KINGDOM · Age 49

Persons with Significant Control

Mr Mark Jamie Gardner

75–100% shares

British · United Kingdom · Age 49

Enterprise House, The Courtyard, Wirral, CH62 4UE

Notified 06/04/2016

Charges2 outstanding

Charge
outstanding

BARCLAYS SECURITY TRUSTEE LIMITED

Created 24/05/2021Registered 28/05/2021
Charge
outstanding

BARCLAYS BANK PLC

Created 10/11/2014Registered 17/11/2014

CompanyRankvs 723+ SIC 96090 peers
79

Financial strength97th percentile among SIC peers · 24/25
Employees97th percentile among SIC peers · 15/15
LiquidityCurrent ratio 2.2× · 20/20
Longevity15 years trading (max 15) · 15/15
Filing complianceAll filings up to date · 15/15
Outstanding charges -10
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How is this score calculated?
Financial strength24/25 pts

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

Employees15/15 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.

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 30/04/2025

Net Worth

£722k

Balance sheet strength

Cash

£146k

Cash in the bank

Net Current Assets

£699k

Working capital

Current Assets

£1.3M

Current Liabilities

£582k

Fixed Assets

£47k

Debtors

£1.1M

Profit After Tax

£390k

11avg. employees+1

Tax at Year End

Dividends paid£331k

Balance Sheet

Assets less current liabilities£747k
Prepared with IRIS Accounts Production

EstimatesDerived

YearCurrent RatioImplied Profit
20252.20+£58k
20241.93+£20k
20232.25

Derived from filed accounts. Not audited figures.