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Garcha Investments & Lettings Ltd

08082475

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

Some Concerns

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

Details

172 WALSALL ROAD, BIRMINGHAM, B74 4RH
Incorporated 24/05/2012

Compliance

Last accounts

31/05/2025

micro entity

Next accounts due

28/02/2027

On track

Confirmation statement

Last: 04/03/2026

Due 18/03/2027

On track

Industry

68100
Buying and selling of own real estate
68209
Other letting and operating of own or leased real estate
68320
Management of real estate on a fee or contract basis

Officers

Mr Joga Garcha

director · Since 24/05/2012

DIRECTOR

BRITISH · ENGLAND · Age 60

Mr Pavanpreet Garcha

director · Since 22/01/2026

BRITISH · ENGLAND · Age 34

Also on 2 other boards

Persons with Significant Control

Mr Joga Singh Garcha

25–50% shares
75–100% votes

British · England · Age 60

172, Walsall Road, Birmingham, B74 4RH

Notified 06/04/2016

Former PSCs

Mrs Manjinder Kaur Garcha

Ceased 16/01/2026

Charges11 outstanding

Charge
outstanding

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ALDERMORE BANK PLC

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ALDERMORE BANK PLC

Created 25/10/2024Registered 04/11/2024
Charge
outstanding

ALDERMORE BANK PLC

Created 03/10/2024Registered 03/10/2024
Charge
outstanding

ALDERMORE BANK PLC

Created 28/06/2024Registered 01/07/2024
Charge
outstanding

PARAGON BANK PLC

Created 28/02/2020Registered 09/03/2020
Charge
outstanding

PARAGON BANK PLC

Created 01/02/2019Registered 05/02/2019
Charge
outstanding

PARAGON BANK PLC

Created 15/06/2018Registered 20/06/2018
Charge
outstanding

PARAGON BANK PLC · PARAGON MORTGAGES (2010) LIMITED

Created 15/06/2018Registered 20/06/2018
Charge
outstanding

PARAGON BANK PLC · PARAGON MORTGAGES (2010) LIMITED

Created 09/05/2018Registered 30/05/2018
Charge
outstanding

PARAGON BANK PLC

Created 09/05/2018Registered 15/05/2018
Charge
satisfied

LLOYDS BANK PLC

Created 18/08/2016Registered 23/08/2016Satisfied 21/08/2024
Charge
satisfied

LLOYDS BANK PLC

Created 28/06/2016Registered 28/06/2016Satisfied 21/08/2024

CompanyRankvs 18382+ SIC 68100 peers
57

Financial strength96th percentile among SIC peers · 24/25
Employees81th percentile among SIC peers · 12/15
LiquidityCurrent ratio 0.39× · 2/20
Longevity14 years trading (max 15) · 14/15
Filing complianceAll filings up to date · 15/15
Outstanding charges -10
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18382Garcha Investments & Lettings Ltd
67
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.

Employees12/15 pts

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

Liquidity2/20 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 31/05/2025

Net Worth

£1.1M

Balance sheet strength

Cash

—

Cash in the bank

Net Current Assets

£40k

Working capital

Current Assets

£25k

Current Liabilities

£65k

Fixed Assets

£2.2M

2avg. employees+1

Balance Sheet

Assets less current liabilities£2.2M
Prepared with Companies House

EstimatesDerived

YearCurrent RatioImplied Profit
20250.39+£723k
20240.47+£41k
20230.63—

Derived from filed accounts. Not audited figures.