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S J Construction (South West) Limited

08878738

active
ltd
england wales
Companies House
Health Score
70 / 100

Some Concerns

30/30
Filing
10/30
Financial
30/40
Risk
  • Current liabilities exceed current assets (-10)
  • 6 outstanding charges (-10)

Details

The Regent, Chapel Street, Penzance, TR18 4AE
Incorporated 06/02/2014

Compliance

Last accounts

31/12/2024

micro entity

Next accounts due

30/09/2026

On track

Confirmation statement

Last: 28/02/2026

Due 14/03/2027

On track

Industry

43390
Other building completion and finishing

Officers

Mr Steven George

director · Since 06/02/2014

DIRECTOR

BRITISH · ENGLAND · Age 52

Also on 1 other board

Mr James Stephen Thomas

director · Since 06/02/2014

DIRECTOR

BRITISH · UNITED KINGDOM · Age 39

Also on 1 other board

Steven George

director · Since 06/02/2014

British · England · Age 52

James Stephen Thomas

director · Since 06/02/2014

British · United Kingdom · Age 39

Persons with Significant Control

Mr Steven George

Appoint directors

British · United Kingdom · Age 52

Anchors Reach, Forth Vean, Helston, TR13 9RH

Notified 06/04/2016

Mr James Thomas

Appoint directors

British · United Kingdom · Age 39

The Packing House, Fore Street, Madron, TR20 8SH

Notified 06/04/2016

S George Holdings Limited

25–50% shares
25–50% votes

The Regent, Chapel Street, Penzance, TR18 4AE

Reg: 14099599 · England & Wales · Private Company Limited By Shares

Notified 31/12/2022

J Thomas Holdings Limited

25–50% shares
25–50% votes

The Regent, Chapel Street, Penzance, TR18 4AE

Reg: 14099722 · England & Wales · Private Company Limited By Shares

Notified 31/12/2022

Charges6 outstanding

A registered charge
satisfied

LLOYDS BANK PLC

Created 04/09/2014Registered 14/08/2026Satisfied 14/08/2026
A registered charge
satisfied

LLOYDS BANK PLC

Created 06/01/2017Registered 14/08/2026Satisfied 14/08/2026
A registered charge
satisfied

LLOYDS BANK PLC

Created 22/01/2016Registered 14/08/2026Satisfied 14/08/2026
A registered charge
satisfied

LLOYDS BANK PLC

Created 06/11/2014Registered 14/08/2026Satisfied 14/08/2026
Charge
outstanding

WOODLAND WEST LIMITED

Created 28/08/2025Registered 28/08/2025
Charge
outstanding

WOODLAND WEST LIMITED

Created 08/08/2024Registered 19/08/2024
Charge
outstanding

LLOYDS BANK PLC

Created 06/01/2017Registered 16/01/2017
Charge
outstanding

LLOYDS BANK PLC

Created 22/01/2016Registered 10/02/2016
Charge
outstanding

LLOYDS BANK PLC

Created 06/11/2014Registered 25/11/2014
Charge
outstanding

LLOYDS BANK PLC

Created 04/09/2014Registered 12/09/2014

Change History

statusactive
2026-07-12

Active

typeltd
2026-07-12

Private Limited Company

address line1The Regent
2026-07-12

THE REGENT

post townPenzance
2026-07-12

PENZANCE

CompanyRankvs 11800+ SIC 43390 peers
57

Financial strength75th percentile among SIC peers · 19/25
Employees91th percentile among SIC peers · 14/15
LiquidityCurrent ratio 0.98× · 6/20
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 strength19/25 pts

Net worth compared to all companies in the same SIC code with published accounts. Top quartile earns the full 25 points.

Employees14/15 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 31/12/2025

Net Worth

£28k

Balance sheet strength

Cash

Cash in the bank

Net Current Assets

-£12k

Working capital

Current Assets

£731k

Current Liabilities

£745k

Fixed Assets

£42k

5avg. employees

Balance Sheet

Assets less current liabilities£30k
Signed by Mr James Thomas 25/08/2026Prepared with Acorah Software Products - Accounts Production

EstimatesDerived

YearCurrent RatioImplied Profit
20250.98+£27k
20240.96-£39k
20230.99

Derived from filed accounts. Not audited figures.