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Ref Investments Limited

09771554

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)
  • Current liabilities exceed current assets (-10)
  • 3 outstanding charges (-6)

Details

22 HAWTHORNE AVENUE, HARROW, HA3 8AG
Incorporated 10/09/2015

Compliance

Accounts

Up to date

Confirmation statement

Up to date

Industry

68209
Other letting and operating of own or leased real estate

Officers

Mrs Bina Shah

director · Since 10/09/2015

ACCOUNTANT

BRITISH · ENGLAND · Age 59

Also on 1 other board

Mrs Neha Sameet Shah

director · Since 10/09/2015

OPTOMETRIST

BRITISH · ENGLAND · Age 44

Also on 2 other boards

Mr Sameet Shah

director · Since 10/09/2015

CHARTERED ACCOUNTANT

BRITISH · ENGLAND · Age 45

Also on 2 other boards

Persons with Significant Control

Mrs Bina Shah

25–50% shares
25–50% votes

British · England · Age 59

22, Hawthorne Avenue, Harrow, HA3 8AG

Notified 06/04/2016

Charges3 outstanding

Charge
outstanding

PARAGON BANK PLC

Created 20/12/2023Registered 22/12/2023
Charge
satisfied

METRO BANK PLC

Created 20/11/2015Registered 27/11/2015Satisfied 02/01/2024
Charge
outstanding

METRO BANK PLC

Created 20/11/2015Registered 27/11/2015
Charge
outstanding

METRO BANK PLC

Created 20/11/2015Registered 27/11/2015

CompanyRankvs 57397+ SIC 68209 peers
53

Financial strength83th percentile among SIC peers · 21/25
Employees93th percentile among SIC peers · 14/15
LiquidityCurrent ratio 0.05× · 2/20
Longevity11 years trading (max 15) · 11/15
Filing complianceAll filings up to date · 15/15
Outstanding charges -10
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57397Ref Investments Limited
62
How is this score calculated?
Financial strength21/25 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.

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 31/12/2024

Net Worth

£192k

Balance sheet strength

Cash

£19k

Cash in the bank

Net Current Assets

-£410k

Working capital

Current Assets

£20k

Current Liabilities

£430k

Fixed Assets

£1.9M

Debtors

£422

3avg. employees

Tax at Year End(2023)

Corp tax£326

Balance Sheet

Assets less current liabilities£1.4M
Prepared with Sage Accounts Production Advanced 2024 - FRS102_2024

EstimatesDerived

YearCurrent RatioImplied Profit
20240.05+£6k
20230.05+£120k
20220.02+£1k
20210.12+£10k
20200.10+£16k
20190.07+£27k
20180.08—

Derived from filed accounts. Not audited figures.