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Lending Expert Limited

08652292

active
ltd
england wales
Companies House
Health Score
78 / 100

Some Concerns

30/30
Filing
10/30
Financial
38/40
Risk
  • Current liabilities exceed current assets (-10)
  • 1 outstanding charge (-2)

Details

The Steam Mill, Steam Mill Street, Chester, CH3 5AN
Incorporated 15/08/2013

Compliance

Last accounts

31/01/2026

unaudited abridged

Next accounts due

31/10/2027

On track

Confirmation statement

Last: 17/10/2025

Due 31/10/2026

On track

Industry

62090
Other information technology service activities

Officers

Mr David Alan Beard

director · Since 15/08/2013

COMPANY DIRECTOR

BRITISH · ENGLAND · Age 45

Also on 2 other boards

David Alan Beard

director · Since 15/08/2013

British · England · Age 45

Persons with Significant Control

Lending Expert Group Limited

ownership-of-shares-75-to-100-percent-as-firm
voting-rights-75-to-100-percent-as-firm
right-to-appoint-and-remove-directors-as-firm

The Steam Mill, Steam Mill Street, Chester, CH3 5AN

Reg: 14997215 · Register Of Companies · Limited Company

Notified 10/10/2023

Former PSCs

Mr David Alan Beard

Ceased 10/10/2023

Charges1 outstanding

Charge
outstanding

CLYDESDALE BANK PLC (TRADING AS BOTH CLYDESDALE AND YORKSHIRE BANK) (COMPANY NUMBER SC001111)

Created 15/05/2021Registered 21/05/2021

Change History

status → active
2026-07-16

Active

type → ltd
2026-07-16

Private Limited Company

address line1 → The Steam Mill
2026-07-16

THE STEAM MILL

post town → Chester
2026-07-16

CHESTER

CompanyRankvs 13609+ SIC 62090 peers
61

Financial strength95th percentile among SIC peers · 24/25
Employees85th percentile among SIC peers · 13/15
LiquidityCurrent ratio 0.57× · 6/20
Longevity13 years trading (max 15) · 13/15
Filing complianceAll filings up to date · 15/15
Outstanding charges -10
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13609Lending Expert Limited
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.

Employees13/15 pts

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

Liquidity6/20 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 31/01/2026

Net Worth

£524k

Balance sheet strength

Cash

£110k

Cash in the bank

Net Current Assets

£245k

Working capital

Current Assets

£318k

Current Liabilities

£563k

Fixed Assets

£1.1M

Debtors

£208k

3avg. employees-2

Balance Sheet

Intangible assets£1.1M
Assets less current liabilities£843k
Prepared with Capium Accounts Production

EstimatesDerived

YearCurrent RatioImplied Profit
20260.57+£278k
20251.20+£203k
20240.01+£35k
20230.80—

Derived from filed accounts. Not audited figures.