Universal Personal Finance Limited
07505637
Some Concerns
- Current liabilities exceed current assets (-10)
- 2 outstanding charges (-4)
Details
Compliance
Last accounts
31/10/2024
unaudited abridged
Next accounts due
31/07/2026
Confirmation statement
Last: 26/01/2026
Due 09/02/2027
Industry
Officers
director · Since 14/07/2025
DIRECTOR
BRITISH · ENGLAND · Age 45
Also on 4 other boards
Persons with Significant Control
Mr Michael James Daly
British · England · Age 71
167, Turners Hill, Cheshunt, EN8 9BH
Notified 30/06/2016
Charges2 outstanding
ORCHARD FUNDING LIMITED
BEXHILL UK LIMITED
CompanyRankvs 370+ SIC 66220 peers72
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How is this score calculated?
Net worth compared to all companies in the same SIC code with published accounts. Top quartile earns the full 25 points.
Workforce size relative to sector peers from the most recent accounts. A larger team generally signals commercial scale.
Current assets ÷ current liabilities. A ratio above 2× earns full marks; between 1–2× scores partially; below 0.5× scores minimal points.
One point per year of operation since incorporation, capped at 15. Older companies have a proven track record.
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 31/10/2025
Net Worth
£970k
Balance sheet strength
Cash
£579k
Cash in the bank
Net Current Assets
£970k
Working capital
Current Assets
£1.3M
Current Liabilities
£346k
Debtors
£737k
Balance Sheet
EstimatesDerived
| Year | Current Ratio |
|---|---|
| 2025 | 3.80 |
| 2024 | 5.35 |
| 2023 | 2.27 |
Derived from filed accounts. Not audited figures.