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Inclusive Finance Limited

10522518

active
Private Limited Company
Companies House
Health Score
61 / 100

Some Concerns

25/30
Filing
0/30
Financial
36/40
Risk
  • No accounts filed in last 18 months (-5)
  • Negative net worth (-10)
  • Current liabilities exceed current assets (-10)
  • 2 outstanding charges (-4)

Details

86-90 PAUL STREET, LONDON, EC2A 4NE
Incorporated 13/12/2016

Compliance

Accounts

Up to date

Confirmation statement

Up to date

Industry

64921
64921

Officers

Mr. Neil Paul Kadagathur

director · Since 13/12/2016

DIRECTOR

IRISH · ENGLAND · Age 46

Also on 3 other boards

Mr James Michael Joseph Dunn

director · Since 21/07/2017

DIRECTOR

AMERICAN · UNITED STATES · Age 53

Persons with Significant Control

Mr. Neil Paul Kadagathur

Significant control

Irish · England · Age 46

86-90, Paul Street, London, EC2A 4NE

Notified 13/12/2016

Mr James Michael Joseph Dunn

25–50% shares
25–50% votes

American · United States · Age 53

119, Wardour Street, London, W1F 0UW

Notified 21/07/2017

Former PSCs

Mr. Aravind Chandrasekaran

Ceased 05/02/2020

Charges2 outstanding

Charge
outstanding

CAFICO CAPITAL MARKETS (UK) LIMITED

Created 23/12/2024Registered 23/12/2024
Charge
outstanding

CAFICO CAPITAL MARKETS (UK) LIMITED

Created 23/12/2024Registered 23/12/2024
Charge
satisfied

SERIES 6 OF PIER ACTIVE TRANSACTIONS LLC

Created 27/09/2024Registered 01/10/2024Satisfied 24/12/2024
Charge
satisfied

SERIES 6 OF PIER ACTIVE TRANSACTIONS LLC

Created 25/03/2024Registered 27/03/2024Satisfied 24/12/2024
Charge
satisfied

SERIES 6 OF PIER ACTIVE TRANSACTIONS LLC

Created 30/10/2023Registered 03/11/2023Satisfied 24/12/2024
Charge
satisfied

SERIES 6 OF PIER ACTIVE TRANSACTIONS LLC

Created 10/02/2022Registered 11/02/2022Satisfied 24/12/2024
Charge
satisfied

AVCAP SPECIALTY FINANCE SPV II LIMITED

Created 12/12/2019Registered 30/12/2019Satisfied 11/02/2022

CompanyRankvs 583+ SIC 64921 peers
36

Financial strength1th percentile among SIC peers · 0/25
Employees98th percentile among SIC peers · 15/15
LiquidityCurrent ratio 0.54× · 6/20
Longevity10 years trading (max 15) · 10/15
Filing complianceAll filings up to date · 15/15
Outstanding charges -10
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How is this score calculated?
Financial strength0/25 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.

Liquidity6/20 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 31/12/2021

Net Worth

-£9.9M

Balance sheet strength

Cash

£913k

Cash in the bank

Net Current Assets

-£2.2M

Working capital

Current Assets

£2.6M

Current Liabilities

£4.9M

Fixed Assets

£45k

Debtors

£1.7M

Profit After Tax

-£6.5M

21avg. employees+8

Balance Sheet

Intangible assets£10k
Assets less current liabilities-£2.2M
Prepared with IRIS Accounts Production

EstimatesDerived

YearCurrent RatioImplied Profit
20210.54-£6.0M
20204.77-£1.4M
20190.83-£921k
201811.18

Derived from filed accounts. Not audited figures.