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Garcha Investments & Lettings Ltd

08082475

active
Private Limited Company
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

Accounts

Up to date

Confirmation statement

Up to date

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

ALDERMORE BANK PLC

Created 18/12/2024Registered 24/12/2024
Charge
outstanding

ALDERMORE BANK PLC

Created 23/10/2024Registered 04/11/2024
Charge
outstanding

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 18105+ 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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18105Garcha 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+£43k
20220.67+£39k
20212.02+£57k
20202.43+£29k
20190.33+£16k
20180.02—

Derived from filed accounts. Not audited figures.