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Commercial Loans & Finance Ltd

09444930

active
Private Limited Company
Companies House
Health Score
78 / 100

Some Concerns

30/30
Filing
10/30
Financial
38/40
Risk
  • Negative net worth (-10)
  • 1 outstanding charge (-2)

Details

UNIT 1 THE AJM CENTRE, SWANAGE, BH19 1FE
Incorporated 17/02/2015

Compliance

Accounts

Up to date

Confirmation statement

Up to date

Industry

64999
Other financial service activities

Officers

Mr Gary Maurice Suttle

director · Since 17/02/2015

ACCOUNTANT

BRITISH · ENGLAND · Age 68

Also on 25 other boards

Mr Peter Anthony Smith

director · Since 16/11/2022

DIRECTOR

BRITISH · UNITED KINGDOM · Age 62

Also on 4 other boards

Persons with Significant Control

Mr Gary Maurice Suttle

25–50% shares

British · England · Age 68

Unit 1, The Ajm Centre, Swanage, BH19 1FE

Notified 06/04/2016

Mr Peter Anthony Smith

25–50% shares

British · United Kingdom · Age 62

Unit 1, The Ajm Centre, Swanage, BH19 1FE

Notified 05/01/2022

Former PSCs

Mr Peter Anthony Smith

Ceased 19/06/2018

Charges1 outstanding

Charge
outstanding

BARCLAYS SECURITY TRUSTEE LIMITED

Created 20/06/2019Registered 05/07/2019

CompanyRankvs 20319+ SIC 64999 peers
20

Financial strength8th percentile among SIC peers · 2/25
Employees0th percentile among SIC peers · 0/15
LiquidityCurrent ratio 0.16× · 2/20
Longevity11 years trading (max 15) · 11/15
Filing complianceAll filings up to date · 15/15
Outstanding charges -10
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20319Commercial Loans & Finance Ltd
30
How is this score calculated?
Financial strength2/25 pts

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

Employees0/15 pts

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

Liquidity2/20 pts

Current assets ÷ current liabilities. A ratio above 2× earns full marks; between 1–2× scores partially; below 0.5× scores minimal points.

Longevity11/15 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 28/02/2025

Net Worth

-£12k

Balance sheet strength

Cash

—

Cash in the bank

Net Current Assets

-£18k

Working capital

Current Assets

£3k

Current Liabilities

£21k

Fixed Assets

£6k

Tax at Year End(2023)

Corp tax£8k

Director Loans(2023)

Company owes directors£3k

Balance Sheet

Assets less current liabilities-£12k
Signed by Mr Gary Suttle 06/11/2025Prepared with Acorah Software Products - Accounts Production

EstimatesDerived

YearCurrent RatioImplied Profit
20250.16-£8k
20240.25-£11k
20231.00-£874
20221.02-£9k
20210.69-£215
20200.48+£10k
20190.64—

Derived from filed accounts. Not audited figures.