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Spinola Group Ltd

10900649

active
ltd
england wales
Companies House
Health Score
72 / 100

Some Concerns

30/30
Filing
10/30
Financial
32/40
Risk
  • Current liabilities exceed current assets (-10)
  • 4 outstanding charges (-8)

Details

Arquen House, 4-6 Spicer Street, St. Albans, AL3 4PQ
Incorporated 04/08/2017

Compliance

Last accounts

31/08/2025

total exemption full

Next accounts due

31/05/2027

On track

Confirmation statement

Last: 03/08/2025

Due 17/08/2026

On track

Industry

68209
Other letting and operating of own or leased real estate

Officers

Mrs Gillian Palmer

director · Since 04/08/2017

DIRECTOR

BRITISH · ENGLAND · Age 79

Mr John Palmer

director · Since 04/08/2017

SURVEYOR

BRITISH · ENGLAND · Age 81

Also on 3 other boards

Mr Rupert Palmer

director · Since 04/08/2017

SURVEYOR

BRITISH · UNITED KINGDOM · Age 42

Gillian Palmer

director · Since 04/08/2017

British · England · Age 79

John Palmer

director · Since 04/08/2017

British · England · Age 81

Rupert Palmer

director · Since 04/08/2017

British · United Kingdom · Age 42

Former

Dominic Palmer

director · Resigned 09/01/2023

Persons with Significant Control

Mr John Palmer

25–50% shares
25–50% votes

British · England · Age 81

Arquen House, 4-6, Spicer Street, St. Albans, AL3 4PQ

Notified 17/11/2017

Mrs Gillian Palmer

25–50% shares
25–50% votes

British · England · Age 79

Arquen House, 4-6, Spicer Street, St. Albans, AL3 4PQ

Notified 17/11/2017

Charges4 outstanding

Charge
outstanding

PARAGON BANK PLC

Created 05/03/2021Registered 05/03/2021
Charge
outstanding

PARAGON BANK PLC

Created 19/02/2021Registered 19/02/2021
Charge
outstanding

PARAGON BANK PLC

Created 16/12/2020Registered 17/12/2020
Charge
outstanding

PARAGON BANK PLC

Created 28/02/2020Registered 28/02/2020

Change History

status → active
2026-06-27

Active

type → ltd
2026-06-27

Private Limited Company

address line1 → Arquen House, 4-6 Spicer Street
2026-06-27

ARQUEN HOUSE, 4-6

post town → St. Albans
2026-06-27

ST. ALBANS

CompanyRankvs 44060+ SIC 68209 peers
56

Financial strength98th percentile among SIC peers · 25/25
Employees97th percentile among SIC peers · 15/15
LiquidityCurrent ratio 0.05× · 2/20
Longevity9 years trading (max 15) · 9/15
Filing complianceAll filings up to date · 15/15
Outstanding charges -10
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44060Spinola Group Ltd
66
How is this score calculated?
Financial strength25/25 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.

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.

Longevity9/15 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 31/08/2025

Net Worth

£3.2M

Balance sheet strength

Cash

£23k

Cash in the bank

Net Current Assets

-£795k

Working capital

Current Assets

£39k

Current Liabilities

£838k

Fixed Assets

£6.3M

Debtors

£15k

4avg. employees

Balance Sheet

Assets less current liabilities£5.5M
Signed by 10900649 2024-09-01 2025-08-31 10900649 2025-08-31 10900649 bus:OrdinaryShareClass1 2025-08-31 10900649 bus:OrdinarySharPrepared with Digita Accounts Production Advanced

EstimatesDerived

YearCurrent RatioImplied Profit
20250.05+£54k
20240.04+£37k
20230.06—

Derived from filed accounts. Not audited figures.