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Responsible Lending Limited

09801855

active
Private Limited Company
england wales
Companies House
Health Score
85 / 100

Healthy

25/30
Filing
20/30
Financial
40/40
Risk
  • No accounts filed in last 18 months (-5)

Details

PRINCESS COURT, PLYMOUTH, PL1 2EX
Incorporated 30/09/2015

Compliance

Last accounts

31/12/2024

full

Next accounts due

30/09/2026

On track

Confirmation statement

Last: 08/10/2025

Due 22/10/2026

On track

Industry

64999
Other financial service activities

Officers

Royal London Management Services Limited

secretary · Since 31/01/2024

BRITISH

Also on 89 other boards

Mr Ian Williams

director · Since 03/12/2024

FINANCE DIRECTOR

BRITISH · UNITED KINGDOM · Age 51

Also on 17 other boards

Mr Alan John Ritchie

director · Since 01/02/2025

ACTUARY

BRITISH · UNITED KINGDOM · Age 48

Also on 1 other board

Mr Bernard Leigh Hickman

director · Since 20/04/2026

BRITISH · UNITED KINGDOM · Age 51

Also on 3 other boards

Persons with Significant Control

The Royal London Mutual Insurance Society Limited

75–100% shares
75–100% votes
Appoint directors

80, Fenchurch Street, London, EC3M 4BY

Reg: 00099064 · Companies House · Private Company Limited By Guarantee Without Share Capital

Notified 01/07/2021

Former PSCs

Mr Paul Edward Starkey

Ceased 31/01/2024

Mr Daniel George Jones

Ceased 20/10/2017

Responsible Life Limited

Ceased 20/10/2017

Mr Steven Thomas Wilkie

Ceased 31/01/2024

CompanyRankvs 2340+ SIC 64999 peers
85

Financial strength94th percentile among SIC peers · 24/25
Employees100th percentile among SIC peers · 15/15
LiquidityCurrent ratio 2× · 20/20
Longevity11 years trading (max 15) · 11/15
Filing complianceAll filings up to date · 15/15
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234Responsible Lending Limited
85
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.

Employees15/15 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.

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.

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

Key FinancialsYear ending 31/12/2022

Net Worth

£963k

Balance sheet strength

Cash

£1.8M

Cash in the bank

Net Current Assets

£1.6M

Working capital

Current Assets

£3.1M

Current Liabilities

£1.6M

Fixed Assets

£884k

Debtors

£1.3M

60avg. employees+14

Balance Sheet

Assets less current liabilities£2.5M
Prepared with Sage Accounts Production 21.0 - FRS102_2021

EstimatesDerived

YearCurrent RatioImplied Profit
20222.00-£295k
20212.13+£1.7M
20201.61-£5k
20191.81-£659k
20184.27—

Derived from filed accounts. Not audited figures.