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Credit Labs Limited

08387053

active
Private Limited Company
Companies House
Health Score
83 / 100

Healthy

25/30
Filing
20/30
Financial
38/40
Risk
  • No accounts filed in last 18 months (-5)
  • 1 outstanding charge (-2)

Details

1ST FLOOR YORKSHIRE HOUSE, LIVERPOOL, L3 9AG
Incorporated 04/02/2013

Compliance

Accounts

Up to date

Confirmation statement

Up to date

Industry

64929
64929

Officers

Mr Gary Paul Mckenna

director · Since 04/02/2013

DIRECTOR

BRITISH · ENGLAND · Age 47

Also on 10 other boards

Persons with Significant Control

Mr Gary Paul Mckenna

Significant control

British · England · Age 47

1st Floor Yorkshire House, 18 Chapel Street, Liverpool, L3 9AG

Notified 06/04/2016

1plus1 Loans (Holdings) Ltd

75–100% shares
75–100% votes
Appoint directors

Yates Barn Netherley Road, Tarbock Green, Prescot, L35 1RG

Reg: 08385567 · England And Wales · Private Company Limited By Shares

Notified 06/04/2016

Former PSCs

Mr Paul Mckenna

Ceased 02/01/2024

Charges1 outstanding

Charge
outstanding

ALDER GROVE CAPITAL LIMITED AS SECURITY TRUSTEE FOR THE SECURED PARTIES

Created 19/01/2026Registered 19/01/2026
Charge
satisfied

SHAWBROOK BANK LIMITED

Created 19/11/2019Registered 04/12/2019Satisfied 08/01/2026
Charge
satisfied

QUILAM CAPITAL LIMITED

Created 06/03/2018Registered 07/03/2018Satisfied 03/11/2023
Charge
satisfied

SHAWBROOK BANK LIMITED

Created 26/10/2016Registered 29/10/2016Satisfied 08/01/2026

CompanyRankvs 40+ SIC 64929 peers
75

Financial strength86th percentile among SIC peers · 22/25
Employees97th percentile among SIC peers · 15/15
LiquidityCurrent ratio 2.1× · 20/20
Longevity13 years trading (max 15) · 13/15
Filing complianceAll filings up to date · 15/15
Outstanding charges -10
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How is this score calculated?
Financial strength22/25 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.

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.

Longevity13/15 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 31/03/2024

Net Worth

£1.3M

Balance sheet strength

Cash

£604k

Cash in the bank

Net Current Assets

£1.5M

Working capital

Current Assets

£2.9M

Current Liabilities

£1.4M

Fixed Assets

£16k

Debtors

£692k

Profit After Tax

£166k

15avg. employees-1

Tax at Year End

Corp tax£134k

Balance Sheet

Intangible assets£0
Assets less current liabilities£1.5M
Prepared with CCH Software

EstimatesDerived

YearCurrent RatioImplied Profit
20242.10+£849k
20231.44+£166k
20221.60-£208k
20211.87-£16k
20202.11+£78k
20193.14

Derived from filed accounts. Not audited figures.