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Impact Commercial Finance Limited

08018322

active
Private Limited Company
Companies House
Health Score
72 / 100

Some Concerns

30/30
Filing
10/30
Financial
32/40
Risk
  • Current liabilities exceed current assets (-10)
  • 4 outstanding charges (-8)

Details

1 THE SHEEPCOTE MONKS ORCHARD, LUGWARDINE, HR1 4AG
Incorporated 03/04/2012

Compliance

Accounts

Up to date

Confirmation statement

Up to date

Industry

64999
Other financial service activities
66190
Other activities auxiliary to financial services

Officers

Mr Neil James Smith

director · Since 03/04/2012

DIRECTOR

ENGLISH · ENGLAND · Age 53

Persons with Significant Control

Mr Neil James Smith

75–100% shares

English · England · Age 53

4 The Sheepcote, Lumber Lane, Hereford, HR1 4AG

Notified 01/03/2017

Charges4 outstanding

Charge
outstanding

NEIL JAMES SMITH AS TRUSTEE OF THE DAF (CHELTENHAM) PENSION SCHEME · WHITE HORSE TRUSTEES LIMITED AS TRUSTEE OF THE DAF (CHELTENHAM) PENSION SCHEME

Created 29/01/2024Registered 14/02/2024
Charge
outstanding

NEIL JAMES SMITH AS TRUSTEE OF THE DAF (CHELTENHAM) PENSION SCHEME · WHITE HORSE TRUSTEES LTD AS TRUSTEE OF THE DAF (CHELTENHAM) PENSION SCHEME

Created 29/01/2024Registered 31/01/2024
Charge
outstanding

WHITE HORSE TRUSTEES LIMITED AS TRUSTEE OF DAF (CHELTENHAM) PENSION SCHEME · NEIL JAMES SMITH AS TRUSTEE OF DAF (CHELTENHAM) PENSION SCHEME

Created 03/03/2014Registered 04/03/2014
Charge
outstanding

WHITE HORSE TRUSTEES LIMITED AS TRUSTEE OF DAF (CHELTENHAM) PENSION SCHEME · NEIL JAMES SMITH AS TRUSTEE OF DAF (CHELTENHAM) PENSION SCHEME

Created 03/03/2014Registered 04/03/2014

CompanyRankvs 3426+ SIC 64999 peers
64

Financial strength75th percentile among SIC peers · 19/25
Employees39th percentile among SIC peers · 6/15
LiquidityCurrent ratio 3.07× · 20/20
Longevity14 years trading (max 15) · 14/15
Filing complianceAll filings up to date · 15/15
Outstanding charges -10
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How is this score calculated?
Financial strength19/25 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.

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.

Longevity14/15 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 31/03/2025

Net Worth

£71k

Balance sheet strength

Cash

—

Cash in the bank

Net Current Assets

£131k

Working capital

Current Assets

£194k

Current Liabilities

£63k

Fixed Assets

£3k

1avg. employees

Balance Sheet

Assets less current liabilities£134k
Prepared with IRIS Accounts Production

EstimatesDerived

YearCurrent RatioImplied Profit
20253.07-£17k
20243.89-£7k
20232.62+£24k
20221.79+£44k
20212.37—

Derived from filed accounts. Not audited figures.