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R&G Capital Ltd

10173896

active
Private Limited Company
Companies House
Health Score
70 / 100

Some Concerns

30/30
Filing
10/30
Financial
30/40
Risk
  • Negative net worth (-10)
  • 14 outstanding charges (-10)

Details

116 COMMONSIDE, LYTHAM ST. ANNES, FY8 4DJ
Incorporated 11/05/2016

Compliance

Accounts

Up to date

Confirmation statement

Up to date

Industry

68100
Buying and selling of own real estate

Officers

Mr Douglas Michael Goulding

director · Since 11/05/2016

FINANCE MANAGER

BRITISH · UNITED KINGDOM · Age 50

Also on 2 other boards

Mr Elton Ross

director · Since 11/05/2016

CLIENT SERVICES DIRECTOR

BRITISH · ENGLAND · Age 50

Persons with Significant Control

Mr Douglas Michael Goulding

25–50% shares
25–50% votes

British · United Kingdom · Age 50

Flat 4, 4-6 Oxford Road, Putney, SW15 2LF

Notified 11/05/2016

Mr Elton Ross

25–50% shares
25–50% votes

British · England · Age 50

2 Stevenson House, 28 Latchmere Road, Battersea, SW11 2DU

Notified 11/05/2016

Former PSCs

Mr Doug Michael Goulding

Ceased 11/05/2016

Charges14 outstanding

Charge
outstanding

JEAN ROBINSON

Created 11/03/2026Registered 30/03/2026
Charge
outstanding

THE MORTGAGE WORKS (UK) PLC

Created 12/05/2025Registered 14/05/2025
Charge
outstanding

CHL MORTGAGES FOR INTERMEDIARIES LIMITED

Created 13/08/2024Registered 19/08/2024
Charge
outstanding

THE MORTGAGE WORKS (UK) PLC

Created 27/03/2024Registered 28/03/2024
Charge
outstanding

PARAGON BANK PLC

Created 26/05/2023Registered 01/06/2023
Charge
outstanding

BATH INVESTMENT AND BUILDING SOCIETY

Created 16/01/2023Registered 17/01/2023
Charge
outstanding

PARATUS AMC LIMITED

Created 01/06/2022Registered 01/06/2022
Charge
outstanding

PARAGON BANK PLC

Created 17/09/2021Registered 21/09/2021
Charge
satisfied

TOGETHER COMMERCIAL FINANCE LIMITED

Created 04/08/2021Registered 25/08/2021Satisfied 02/10/2025
Charge
satisfied

TOGETHER COMMERCIAL FINANCE LIMITED

Created 04/08/2021Registered 25/08/2021Satisfied 02/10/2025
Charge
satisfied

TOGETHER COMMERCIAL FINANCE LIMITED

Created 04/08/2021Registered 05/08/2021Satisfied 02/10/2025
Charge
outstanding

THE MORTGAGE WORKS (UK) PLC

Created 11/06/2021Registered 18/06/2021
Charge
outstanding

THE MORTGAGE WORKS (UK) PLC

Created 31/07/2019Registered 14/08/2019
Charge
satisfied

THE MORTGAGE WORKS (UK) PLC

Created 01/08/2019Registered 05/08/2019Satisfied 14/08/2019
Charge
outstanding

PARATUS AMC LIMITED

Created 05/11/2018Registered 06/11/2018
Charge
satisfied

LANDBAY PARTNERS LIMITED

Created 10/09/2018Registered 21/09/2018Satisfied 02/10/2025
Charge
satisfied

LANDBAY PARTNERSHIPS LIMITED

Created 10/09/2018Registered 19/09/2018Satisfied 25/09/2018
Charge
outstanding

CHARTER COURT FINANCIAL SERVICES LIMITED

Created 15/08/2018Registered 22/08/2018
Charge
outstanding

CHARTER COURT FINANCIAL SERVICES LIMITED

Created 05/12/2017Registered 14/12/2017
Charge
outstanding

PARATUS AMC LIMITED

Created 04/05/2017Registered 05/05/2017
Charge
satisfied

CHARTER COURT FINANCIAL SERVICES LIMITED

Created 25/11/2016Registered 30/11/2016Satisfied 02/10/2025

CompanyRankvs 88779+ SIC 68100 peers
32

Financial strength11th percentile among SIC peers · 3/25
Employees81th percentile among SIC peers · 12/15
LiquidityCurrent ratio 0.03× · 2/20
Longevity10 years trading (max 15) · 10/15
Filing complianceAll filings up to date · 15/15
Outstanding charges -10
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88779R&G Capital Ltd
42
How is this score calculated?
Financial strength3/25 pts

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

Employees12/15 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.

Longevity10/15 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 31/05/2025

Net Worth

-£24k

Balance sheet strength

Cash

£8k

Cash in the bank

Net Current Assets

-£289k

Working capital

Current Assets

£8k

Current Liabilities

£297k

Fixed Assets

£1.5M

2avg. employees

Balance Sheet

Assets less current liabilities£1.2M
Signed by Mr Douglas Goulding 21st February 2026Prepared with Acorah Software Products - Accounts Production

EstimatesDerived

YearCurrent RatioImplied Profit
20250.03+£0
20250.03-£18k
20240.05-£11k
20230.01-£6k
20220.02-£5k
20210.05+£2k
20200.05+£9k
20190.08—
20180.08—

Derived from filed accounts. Not audited figures.