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Credit4 Limited

08738775

active
Private Limited Company
Companies House
Health Score
69 / 100

Some Concerns

25/30
Filing
10/30
Financial
34/40
Risk
  • No accounts filed in last 18 months (-5)
  • Negative net worth (-10)
  • 3 outstanding charges (-6)

Details

5 SEAFORTH PLACE, LONDON, SW1E 6AB
Incorporated 18/10/2013

Compliance

Accounts

Up to date

Confirmation statement

Up to date

Industry

64929
64929

Officers

Mr David Cleland Maxwell

director · Since 18/10/2013

COMPANY DIRECTOR

BRITISH · UNITED KINGDOM · Age 47

Mr Gary Keith Trott

director · Since 18/10/2013

FINANCE DIRECTOR

BRITISH · UNITED KINGDOM · Age 54

Also on 17 other boards

David John Culverhouse

director · Since 12/04/2021

DIRECTOR

BRITISH · ENGLAND · Age 38

Persons with Significant Control

Mr Gary Keith Trott

25–50% shares
25–50% votes

British · United Kingdom · Age 54

5 Seaforth Place, London, SW1E 6AB

Notified 06/04/2016

Mr David Cleland Maxwell

25–50% shares
25–50% votes

British · United Kingdom · Age 47

1 Westminster Palace Gardens, Artillery Row, London, SW1P 1RL

Notified 06/04/2016

Charges3 outstanding

Charge
outstanding

LENDNET LLP

Created 27/03/2024Registered 03/04/2024
Charge
outstanding

LENDNET LLP

Created 24/02/2021Registered 26/02/2021
Charge
outstanding

LENDNET LLP

Created 07/12/2017Registered 08/12/2017
Charge
satisfied

SHAWBROOK BANK LIMITED

Created 15/11/2016Registered 17/11/2016Satisfied 08/12/2017

CompanyRankvs 479+ SIC 64929 peers
53

Financial strength1th percentile among SIC peers · 0/25
Employees97th percentile among SIC peers · 15/15
LiquidityCurrent ratio 2.65× · 20/20
Longevity13 years trading (max 15) · 13/15
Filing complianceAll filings up to date · 15/15
Outstanding charges -10
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479Credit4 Limited
62
How is this score calculated?
Financial strength0/25 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 31/10/2024

Net Worth

-£1.1M

Balance sheet strength

Cash

£93k

Cash in the bank

Net Current Assets

£4.2M

Working capital

Current Assets

£6.7M

Current Liabilities

£2.5M

Fixed Assets

£10k

Debtors

£1.7M

10avg. employees+1

Tax at Year End(2021)

Corp tax£0

Balance Sheet

Bank loans & overdrafts£5.3M
Assets less current liabilities£4.2M
Prepared with CCH Software

EstimatesDerived

YearCurrent RatioImplied Profit
20242.65-£25k
20232.20-£26k
20221.98-£3k
20212.24+£121k
20202.33+£75k
20191.22-£260k
20181.41—

Derived from filed accounts. Not audited figures.