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Ruth Kirby Finance Ltd

11306715

active
Private Limited Company
Companies House
Health Score
70 / 100

Some Concerns

30/30
Filing
0/30
Financial
40/40
Risk
  • Current liabilities exceed current assets (-10)
  • Going concern doubt noted in accounts (-10)

Details

FLAT 1 CHESTNUT HOUSE, GUILDFORD, GU1 2JW
Incorporated 12/04/2018

Compliance

Accounts

Up to date

Confirmation statement

Up to date

Industry

64999
Other financial service activities

Officers

Mrs Ruth Brandon-Kirby

director · Since 12/04/2018

FINANCE DIRECTOR

BRITISH · ENGLAND · Age 61

Mr Julien Bernard Dersy

secretary · Since 01/11/2023

Also on 4 other boards

Mr Julien Bernard Dersy

director · Since 14/08/2024

COMPANY DIRECTOR

BRITISH · UNITED KINGDOM · Age 54

Also on 4 other boards

Persons with Significant Control

Mrs Ruth Brandon-Kirby

Significant control

British · England · Age 61

Flat 1 Chestnut House, 55 Cranley Road, Guildford, GU1 2JW

Notified 12/04/2018

CompanyRankvs 6441+ SIC 64999 peers
56

Financial strength84th percentile among SIC peers · 21/25
Employees16th percentile among SIC peers · 2/15
LiquidityCurrent ratio 6.95× · 20/20
Longevity8 years trading (max 15) · 8/15
Filing complianceAll filings up to date · 15/15
Going concern doubt -10
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6441Ruth Kirby Finance Ltd
66
How is this score calculated?
Financial strength21/25 pts

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

Employees2/15 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.

Longevity8/15 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

Going concern doubt: -10 pts

Maximum score is 100. Deductions apply for insolvency history, outstanding charges, going concern doubt, or disqualified officers.

Going Concern Doubt

the UK and Republic of Ireland” including the provisions of Section 1A “Small Entities” and the Companies Act 2006. The financial statements have been prepared under the historic cost convention. Going concern In preparing these financial statements, the director has assessed whether there are any material uncertainties related to events or conditions that cast significant doubt upon the compan

Key FinancialsYear ending 30/04/2025

Net Worth

£189k

Balance sheet strength

Cash

£175k

Cash in the bank

Net Current Assets

£188k

Working capital

Current Assets

£220k

Current Liabilities

£32k

Fixed Assets

£1k

Debtors

£45k

0avg. employees-1

Balance Sheet

Assets less current liabilities£189k
Signed by Mrs R Brandon-Kirby,Prepared with IRIS Elements Accounts Production

EstimatesDerived

YearCurrent RatioImplied Profit
20256.95+£91k
20243.38+£27k
20231.06-£963
20221.00+£19k
20212.12-£3k
20205.36+£52k

Derived from filed accounts. Not audited figures.