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Fair Credit Charity Ltd

08991099

active
PRI/LTD BY GUAR/NSC (Private, limited by guarantee, no share capital)
england wales
Companies House
Health Score
75 / 100

Some Concerns

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

Details

UNIT 8 ELM COURT MERIDEN BUSINESS PARK, COVENTRY, CV5 9RG
Incorporated 10/04/2014

Compliance

Last accounts

31/12/2024

group

Next accounts due

30/09/2026

On track

Confirmation statement

Last: 03/01/2026

Due 17/01/2027

On track

Industry

85590
Other education
88990
Other social work activities without accommodation

Officers

Mr Christopher Stephen Bennett

secretary · Since 08/10/2015

Ms Jill Bonehill

director · Since 01/01/2021

TRUSTEE

BRITISH · ENGLAND · Age 63

Mr Simon Dukes

director · Since 01/10/2021

CEO

BRITISH · ENGLAND · Age 60

Also on 1 other board

Mr Jonathan David Moore

director · Since 09/11/2022

CHIEF EXECUTIVE

BRITISH · ENGLAND · Age 55

Also on 3 other boards

Joanne Fleming

director · Since 21/11/2022

HEAD OF DIVISION, STRATEGY & CHANGE

IRISH · ENGLAND · Age 44

Ms Susan Tangier Lewis

director · Since 18/09/2025

DIRECTOR

BRITISH · ENGLAND · Age 73

Also on 4 other boards

Former

Mr Harold Talbot-Tomlinson

director · Resigned 30/06/2026

CompanyRankvs 6147+ SIC 85590 peers
58

Financial strength76th percentile among SIC peers · 19/25
Employees16th percentile among SIC peers · 2/15
LiquidityCurrent ratio 2.31× · 20/20
Longevity12 years trading (max 15) · 12/15
Filing complianceAll filings up to date · 15/15
Going concern doubt -10
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6147Fair Credit Charity Ltd
68
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.

Employees2/15 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.

Longevity12/15 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

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

Going Concern Doubt

any material uncertainties relating to events or conditions that, individually or collectively, may cast significant doubt on the Group's or the parent charitable company's ability to continue as a going concern for a period of at least twelve months from when the financial statements are authorised for issue. Our responsibilities and the responsibilities of the Trustees with respect to going co

Key FinancialsYear ending 31/12/2023

Net Worth

£13k

Balance sheet strength

Cash

£15k

Cash in the bank

Net Current Assets

£13k

Working capital

Current Assets

£23k

Current Liabilities

£10k

Debtors

£8k

0avg. employees
Prepared with Caseware UK (AP4) 2023.0.135

EstimatesDerived

YearCurrent Ratio
20232.31

Derived from filed accounts. Not audited figures.