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Smart Business Link Limited

09802472

active
ltd
england wales
Companies House
Health Score
86 / 100

Healthy

30/30
Filing
20/30
Financial
36/40
Risk
  • 2 outstanding charges (-4)

Details

130 Asquith Avenue, Morley, Leeds, LS27 9QX
Incorporated 30/09/2015

Previously known as

Commercial Factoring Solutions Ltd · until 07/03/2017

Compliance

Last accounts

31/12/2025

total exemption full

Next accounts due

30/09/2027

On track

Confirmation statement

Last: 29/09/2025

Due 13/10/2026

On track

Industry

64992
64992

Officers

Mr Steven Richard Pugh

director · Since 30/09/2015

COMPANY DIRECTOR

BRITISH · ENGLAND · Age 50

Also on 2 other boards

Mr Gary Smith

director · Since 30/09/2015

COMPANY DIRECTOR

BRITISH · UNITED KINGDOM · Age 60

Also on 20 other boards

Mr Simon Christopher Bland

director · Since 27/02/2019

DIRECTOR

BRITISH · ENGLAND · Age 59

Also on 30 other boards

Mr Shane Ackroyd

director · Since 02/06/2025

DIRECTOR

BRITISH · ENGLAND · Age 54

Also on 1 other board

Thomas James Rollins

director · Since 02/06/2025

DIRECTOR

BRITISH · ENGLAND · Age 29

Thomas Edward Rook

director · Since 02/06/2025

DIRECTOR

BRITISH · ENGLAND · Age 46

Also on 1 other board

Gary Smith

director · Since 30/09/2015

British · United Kingdom · Age 60

Steven Richard Pugh

director · Since 30/09/2015

British · England · Age 50

Simon Christopher Bland

director · Since 27/02/2019

British · England · Age 59

Thomas James Rollins

director · Since 02/06/2025

British · England · Age 29

Thomas Edward Rook

director · Since 02/06/2025

British · England · Age 46

Shane Ackroyd

director · Since 02/06/2025

British · England · Age 54

Former

John David Beecher

director · Resigned 06/02/2020

Craig Arthur Seed

director · Resigned 31/07/2022

Persons with Significant Control

Smart Business Group (Holdings) Limited

75–100% shares
75–100% votes

3 Greengate, Cardale Park, Harrogate, HG3 1GY

Reg: 15253045 · Companies House · Private Limited Company

Notified 28/08/2024

Former PSCs

Mr Steven Pugh

Ceased 01/03/2018

Mr Gary Smith

Ceased 28/08/2024

Charges2 outstanding

Charge
outstanding

CLOSE BROTHERS LIMITED (THE “SECURITY TRUSTEE�)

Created 12/06/2023Registered 14/06/2023
Charge
satisfied

ACCELERATED PAYMENTS LIMITED

Created 28/01/2022Registered 31/01/2022Satisfied 27/06/2024
Charge
satisfied

VICARAGE MANAGEMENT NO 1 LIMITED

Created 24/12/2020Registered 30/12/2020Satisfied 24/03/2023
Charge
satisfied

INDUSTRIAL LENDING 2

Created 11/07/2019Registered 15/07/2019Satisfied 14/07/2022
Charge
satisfied

IL2 (2018)

Created 06/03/2019Registered 09/03/2019Satisfied 23/07/2019
Charge
outstanding

BRAMBLESIDE RISK MANAGEMENT LLP

Created 01/03/2018Registered 06/03/2018

Change History

officer appointedSMITH, Gary
2026-06-12
officer appointedBLAND, Simon Christopher
2026-06-12
officer appointedPUGH, Steven Richard
2026-06-12
officer appointedROLLINS, Thomas James
2026-06-12
officer appointedROOK, Thomas Edward
2026-06-12
officer appointedACKROYD, Shane
2026-06-12
typeltd
2026-06-12

Private Limited Company

address line1130 Asquith Avenue
2026-06-12

130 ASQUITH AVENUE

post townLeeds
2026-06-12

LEEDS

statusactive
2026-06-12

Active

CompanyRankvs 10+ SIC 64992 peers
69

Financial strength72th percentile among SIC peers · 18/25
Employees97th percentile among SIC peers · 15/15
LiquidityCurrent ratio 13.75× · 20/20
Longevity11 years trading (max 15) · 11/15
Filing complianceAll filings up to date · 15/15
Outstanding charges -10
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How is this score calculated?
Financial strength18/25 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.

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 31/12/2025

Net Worth

£923k

Balance sheet strength

Cash

£272k

Cash in the bank

Net Current Assets

£17.7M

Working capital

Current Assets

£19.1M

Current Liabilities

£1.4M

Fixed Assets

£832k

Debtors

£18.8M

26avg. employees

Tax at Year End

Corp tax£155k

Director Loans

Company owes directors£805

Balance Sheet

Intangible assets£599k
Assets less current liabilities£18.6M
Prepared with Sage Accounts Production Advanced 2024 - FRS102_2024

EstimatesDerived

YearCurrent RatioImplied Profit
202513.75+£0
202513.75+£328k
202434.17+£221k
202320.91+£196k
202222.63+£216k
20184.35

Derived from filed accounts. Not audited figures.