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Billing Finance Group Limited

08237155

active
Private Limited Company
england wales
Companies House
Health Score
63 / 100

Some Concerns

25/30
Filing
0/30
Financial
38/40
Risk
  • No accounts filed in last 18 months (-5)
  • Going concern doubt noted in accounts (-10)
  • 1 outstanding charge (-2)

Details

BILLING HOUSE THE CAUSEWAY, NORTHAMPTON, NN3 9EX
Incorporated 02/10/2012

Compliance

Last accounts

31/10/2024

group

Next accounts due

31/07/2026

On track

Confirmation statement

Last: 10/10/2025

Due 24/10/2026

On track

Industry

70100
Activities of head offices

Officers

Mr Oliver James Mackaness

director · Since 02/10/2012

DIRECTOR

BRITISH · ENGLAND · Age 51

Also on 6 other boards

Mrs Louise Docker

director · Since 29/11/2017

COMPANY DIRECTOR

BRITISH · ENGLAND · Age 52

Also on 2 other boards

Mr Peter Minter

director · Since 09/12/2021

COMPANY DIRECTOR

BRITISH · ENGLAND · Age 70

Also on 6 other boards

Mr Simon John Bayley

director · Since 02/10/2025

COMPANY DIRECTOR

BRITISH · ENGLAND · Age 53

Also on 3 other boards

Persons with Significant Control

Mr Oliver James Mackaness

50–75% shares
50–75% votes
Appoint directors

British · England · Age 51

Billing House, The Causeway, Northampton, NN3 9EX

Notified 06/04/2016

Mrs Louise Docker

25–50% shares
25–50% votes

British · United Kingdom · Age 52

Billing House, The Causeway, Northampton, NN3 9EX

Notified 06/04/2016

Former PSCs

Mr James Mackaness

Ceased 26/06/2023

Charges1 outstanding

Charge
outstanding

QUILAM SPECIAL OPPORTUNITIES 2 LIMITED

Created 28/11/2025Registered 01/12/2025
Charge
satisfied

COMMERZBANK AG AS SECURITY AGENT

Created 10/07/2024Registered 12/07/2024Satisfied 08/12/2025
Charge
satisfied

COMMERZBANK AG (AS SECURITY AGENT)

Created 10/07/2024Registered 11/07/2024Satisfied 09/12/2025
Charge
satisfied

COMMERZBANK AG AS SECURITY TRUSTEE

Created 22/06/2022Registered 27/06/2022Satisfied 08/12/2025
Charge
satisfied

COMMERZBANK AG

Created 22/06/2022Registered 23/06/2022Satisfied 09/12/2025
Charge
satisfied

THE ROYAL BANK OF SCOTLAND PLC AS SECURITY TRUSTEE

Created 10/02/2016Registered 15/02/2016Satisfied 23/02/2024
Charge
satisfied

THE ROYAL BANK OF SCOTLAND PLC AS SECURITY TRUSTEE

Created 30/09/2014Registered 02/10/2014Satisfied 23/02/2024
Charge
satisfied

LLOYDS TSB BANK PLC

Created 21/06/2013Registered 06/07/2013Satisfied 07/10/2014
charge
satisfied

LLOYDS TSB BANK PLC

Created 23/01/2013Registered 26/01/2013Satisfied 07/10/2014

CompanyRankvs 38400+ SIC 70100 peers
49

Financial strength98th percentile among SIC peers · 25/25
Employees98th percentile among SIC peers · 15/15
LiquidityNo balance sheet data · 0/20
Longevity14 years trading (max 15) · 14/15
Filing complianceAll filings up to date · 15/15
Going concern doubt -10Outstanding charges -10
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How is this score calculated?
Financial strength25/25 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.

Liquidity0/20 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

Going concern doubt: -10 pts

Outstanding charges: -10 pts

Maximum score is 100. Deductions apply for insolvency history, outstanding charges, going concern doubt, or disqualified officers.

Going Concern Doubt

liabilities is currently uncertain and the new funding has not yet been finalised at the time of approving the financial statements, the Directors consider a material uncertainty related to going concern exists. Future developments The group will continue to strength its processes and controls within robust risk management framework and our long term funding strategy will continue to sup

Key FinancialsYear ending 31/10/2024

Net Worth

£26.1M

Balance sheet strength

Cash

£485k

Cash in the bank

Net Current Assets

£146

Working capital

Current Assets

Current Liabilities

£0

Fixed Assets

£68k

Debtors

£146

Cost of Sales

£3.2M

Admin Expenses

£14.3M

Profit After Tax

-£1.4M

112avg. employees+108

Tax at Year End(2023)

Corp tax£0
Dividends paid-£240k

People Costs

Wages & salaries£4.1M

Balance Sheet

Intangible assets£251k
Bank loans & overdrafts£66.7M
Assets less current liabilities£318k
Prepared with CCH Software

EstimatesDerived

YearImplied Profit
2024+£26.1M

Derived from filed accounts. Not audited figures.