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Propensio Finance Limited

10965808

active
ltd
england wales
Companies House
Health Score
60 / 100

Some Concerns

30/30
Filing
0/30
Financial
30/40
Risk
  • Negative net worth (-10)
  • Current liabilities exceed current assets (-10)
  • 12 outstanding charges (-10)

Details

Building 3, Callflex Business Park Golden Smithies Lane, Wath-Upon-Dearne, Rotherham, S63 7ER
Incorporated 15/09/2017

Previously known as

Credit4 Home Improvements Limited · until 25/02/2019
Credit4 Tp Limited · until 11/04/2018

Compliance

Last accounts

30/09/2025

small

Next accounts due

30/06/2027

On track

Confirmation statement

Last: 06/03/2026

Due 20/03/2027

On track

Industry

64921
64921

Officers

Mr David Ian Hindle

director · Since 10/04/2018

DIRECTOR

BRITISH · ENGLAND · Age 58

Also on 5 other boards

Mr Philip Anthony George

director · Since 01/05/2024

NON-EXECUTIVE DIRECTOR

BRITISH · ENGLAND · Age 75

Also on 6 other boards

Mr Alan Gregory Lunt

director · Since 01/05/2024

CHIEF FINANCIAL OFFICER

BRITISH · ENGLAND · Age 62

Also on 4 other boards

Mr Matthew Blair Wood

director · Since 01/11/2024

COMPANY DIRECTOR

BRITISH · ENGLAND · Age 50

Also on 1 other board

David Ian Hindle

director · Since 10/04/2018

British · England · Age 58

Alan Gregory Lunt

director · Since 01/05/2024

British · England · Age 62

Philip Anthony George

director · Since 01/05/2024

British · England · Age 75

Matthew Blair Wood

director · Since 01/11/2024

British · England · Age 50

Former

Norose Company Secretarial Services Limited

corporate secretary · Resigned 15/09/2017

Thomas James Vince

director · Resigned 15/09/2017

David Cleland Maxwell

director · Resigned 21/02/2019

Gary Keith Trott

director · Resigned 21/02/2019

Persons with Significant Control

Quilam Capital Investments Llp

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

4th Floor 24, Old Bond Street, London, W1S 4AW

Reg: Oc338416 · Companies House · Limited Liability Partnership

Notified 21/02/2019

Former PSCs

Mr David Cleland Maxwell

Ceased 21/02/2019

Mr Gary Keith Trott

Ceased 21/02/2019

Norose Company Secretarial Services Limited

Ceased 15/09/2017

Charges12 outstanding

A registered charge
outstanding

QUILAM SPECIAL OPPORTUNITIES 2 LIMITED

Created 13/07/2026Registered 16/07/2026
A registered charge
outstanding

NATIONAL WESTMINSTER BANK PLC AS SECURITY TRUSTEE FOR THE SECURED PARTIES

Created 14/07/2026Registered 16/07/2026
Charge
outstanding

NATIONAL WESTMINSTER BANK PLC AS SECURITY TRUSTEE FOR THE SECURED PARTIES

Created 30/10/2025Registered 31/10/2025
Charge
outstanding

NATIONAL WESTMINSTER BANK PLC AS SECURITY TRUSTEE FOR THE SECURED PARTIES

Created 15/03/2024Registered 20/03/2024
Charge
outstanding

NATIONAL WESTMINSTER BANK PLC AS SECURITY TRUSTEE FOR THE SECURED PARTIES

Created 15/03/2024Registered 20/03/2024
Charge
outstanding

QUILAM SPECIAL OPPORTUNITIES LIMITED

Created 15/03/2024Registered 19/03/2024
Charge
outstanding

NATIONAL WESTMINSTER BANK PLC AS SECURITY TRUSTEE FOR THE SECURED PARTIES

Created 04/09/2023Registered 07/09/2023
Charge
outstanding

QUILAM SPECIAL OPPORTUNITIES LIMITED

Created 13/06/2022Registered 01/07/2022
Charge
outstanding

QUILAM CAPITAL LIMITED

Created 13/06/2022Registered 29/06/2022
Charge
outstanding

NATIONAL WESTMINSTER BANK PLC AS SECURITY TRUSTEE FOR THE SECURED PARTIES

Created 13/06/2022Registered 22/06/2022
Charge
outstanding

QUILAM SPECIAL OPPORTUNITIES LIMITED

Created 13/11/2020Registered 20/11/2020
Charge
satisfied

CONISTER FINANCE & LEASING LTD

Created 11/08/2020Registered 11/08/2020Satisfied 31/07/2025
Charge
outstanding

QUILAM CAPITAL LIMITED

Created 21/02/2019Registered 05/03/2019
Charge
satisfied

SHAWBROOK BANK LIMITED

Created 21/02/2019Registered 27/02/2019Satisfied 02/05/2023
Charge
satisfied

SHAWBROOK BANK LIMITED

Created 27/07/2018Registered 28/07/2018Satisfied 02/05/2023
Charge
satisfied

SHAWBROOK BANK LIMITED

Created 27/07/2018Registered 28/07/2018Satisfied 02/05/2023

Change History

statusactive
2026-08-08

Active

typeltd
2026-08-08

Private Limited Company

address line1Building 3, Callflex Business Park Golden Smithies Lane
2026-08-08

BUILDING 3, CALLFLEX BUSINESS PARK GOLDEN SMITHIES LANE

post townRotherham
2026-08-08

ROTHERHAM

officer appointedGEORGE, Philip Anthony
2026-08-08
officer appointedHINDLE, David Ian
2026-08-08
officer appointedLUNT, Alan Gregory
2026-08-08
officer appointedWOOD, Matthew Blair
2026-08-08

CompanyRankvs 302+ SIC 64921 peers
50

Financial strength2th percentile among SIC peers · 1/25
Employees99th percentile among SIC peers · 15/15
LiquidityCurrent ratio 50.78× · 20/20
Longevity9 years trading (max 15) · 9/15
Filing complianceAll filings up to date · 15/15
Outstanding charges -10
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How is this score calculated?
Financial strength1/25 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.

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 30/09/2025

Net Worth

-£1.7M

Balance sheet strength

Cash

£43k

Cash in the bank

Net Current Assets

£22.2M

Working capital

Current Assets

£22.6M

Current Liabilities

£446k

Fixed Assets

£136k

Debtors

£1.0M

38avg. employees+12

Balance Sheet

Bank loans & overdrafts£7k
Assets less current liabilities£22.3M
Prepared with Caseware UK (AP4) 2024.0.164

EstimatesDerived

YearCurrent RatioImplied Profit
202550.78-£130k
202423.11-£162k
202336.36

Derived from filed accounts. Not audited figures.