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Spruceloch Limited

09144914

active
ltd
england wales
Companies House
Health Score
72 / 100

Some Concerns

30/30
Filing
10/30
Financial
32/40
Risk
  • Current liabilities exceed current assets (-10)
  • 4 outstanding charges (-8)

Details

Universal Square Building 5, 5th Floor, Devonshire Street North, Manchester, M12 6JH
Incorporated 23/07/2014

Compliance

Last accounts

31/03/2025

total exemption full

Next accounts due

31/12/2026

On track

Confirmation statement

Last: 20/07/2025

Due 03/08/2026

On track

Industry

68209
Other letting and operating of own or leased real estate

Officers

Carol Allen

director · Since 23/07/2014

British · United Kingdom · Age 63

Benjamin Graham Eades

director · Since 01/02/2017

British · England · Age 44

William David Tracey

director · Since 13/10/2022

British · England · Age 43

Former

Graham Edward Lake

director · Resigned 19/04/2017

Persons with Significant Control

Mrs Naeem Kauser

voting-rights-75-to-100-percent-as-trust
right-to-appoint-and-remove-directors-as-trust

British · England · Age 78

Universal Square, Building 5, 5th Floor, Manchester, M12 6JH

Notified 06/04/2016

Mr Aneel Mussarat

Significant control

British · England · Age 56

Universal Square, Building 5, 5th Floor, Manchester, M12 6JH

Notified 23/07/2016

Mr Benjamin Graham Eades

voting-rights-75-to-100-percent-as-trust
right-to-appoint-and-remove-directors-as-trust

British · England · Age 44

Universal Square, Building 5, 5th Floor, Manchester, M12 6JH

Notified 30/08/2019

Mrs Carol Allen

voting-rights-75-to-100-percent-as-trust
right-to-appoint-and-remove-directors-as-trust

British · England · Age 63

Universal Square, Building 5, 5th Floor, Manchester, M12 6JH

Notified 30/08/2020

Charges4 outstanding

Charge
outstanding

HABIB BANK ZURICH PLC

Created 09/09/2025Registered 16/09/2025
Charge
outstanding

HABIB BANK ZURICH PLC

Created 09/09/2025Registered 11/09/2025
Charge
outstanding

HABIB BANK ZURICH PLC

Created 09/09/2025Registered 11/09/2025
Charge
outstanding

HABIB BANK ZURICH PLC

Created 09/09/2025Registered 11/09/2025
Charge
satisfied

APEX GROUP HOLD CO (UK) LIMITED

Created 16/07/2024Registered 18/07/2024Satisfied 11/09/2025
Charge
satisfied

SANNE GROUP (UK) LIMITED

Created 21/12/2021Registered 23/12/2021Satisfied 11/09/2025
Charge
satisfied

ICG-LONGBOW INVESTMENT NO. 5 S.À R.L

Created 23/07/2018Registered 27/07/2018Satisfied 13/08/2025
Charge
satisfied

TOGETHER COMMERCIAL FINANCE LIMITED

Created 23/10/2017Registered 25/10/2017Satisfied 02/08/2018
Charge
satisfied

TOGETHER COMMERCIAL FINANCE LIMITED

Created 23/10/2017Registered 25/10/2017Satisfied 02/08/2018
Charge
satisfied

TOGETHER COMMERCIAL FINANCE LIMITED

Created 22/03/2017Registered 24/03/2017Satisfied 02/08/2018
Charge
satisfied

TOGETHER COMMERCIAL FINANCE LIMITED

Created 22/03/2017Registered 23/03/2017Satisfied 02/08/2018

Change History

status → active
2026-06-09

Active

type → ltd
2026-06-09

Private Limited Company

address line1 → Universal Square Building 5, 5th Floor
2026-06-09

UNIVERSAL SQUARE, BUILDING 2, 3RD FLOOR

post town → Manchester
2026-06-09

MANCHESTER

officer appointed → ALLEN, Carol
2026-06-09
officer appointed → EADES, Benjamin Graham
2026-06-09
officer appointed → TRACEY, William David
2026-06-09

CompanyRankvs 42829+ SIC 68209 peers
61

Financial strength96th percentile among SIC peers · 24/25
Employees93th percentile among SIC peers · 14/15
LiquidityCurrent ratio 0.69× · 6/20
Longevity12 years trading (max 15) · 12/15
Filing complianceAll filings up to date · 15/15
Outstanding charges -10
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42829Spruceloch Limited
66
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.

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.

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

Outstanding charges: -10 pts

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

Key FinancialsYear ending 31/03/2025

Net Worth

£1.9M

Balance sheet strength

Cash

£6k

Cash in the bank

Net Current Assets

-£680k

Working capital

Current Assets

£1.5M

Current Liabilities

£2.2M

Fixed Assets

£5.5M

Debtors

£1.5M

Profit After Tax

£1.1M

3avg. employees

Balance Sheet

Assets less current liabilities£4.8M
Prepared with IRIS Accounts Production

EstimatesDerived

YearCurrent RatioImplied Profit
20250.69+£1.1M
20240.66+£94k
20230.62+£78k
20220.59-£109k
20210.07+£2k
20200.08-£204k
20190.15—

Derived from filed accounts. Not audited figures.