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Joyful Homes Ltd

11646729

active
Private Limited Company
Companies House
Health Score
65 / 100

Some Concerns

25/30
Filing
10/30
Financial
30/40
Risk
  • No accounts filed in last 18 months (-5)
  • Current liabilities exceed current assets (-10)
  • 10 outstanding charges (-10)

Details

15 RIPLEY ROAD, BRISTOL, BS5 7RB
Incorporated 29/10/2018

Compliance

Accounts

Up to date

Confirmation statement

Up to date

Industry

68209
Other letting and operating of own or leased real estate

Officers

Mr Igor Zozuk

director · Since 29/10/2018

PROPERTY INVESTOR

BRITISH · ENGLAND · Age 38

Also on 1 other board

Mrs Irina Zozuk

director · Since 29/10/2018

DIRECTOR

BRITISH · UNITED KINGDOM · Age 39

Also on 1 other board

Persons with Significant Control

Mr Igor Zozuk

25–50% shares
25–50% votes
Appoint directors

British · England · Age 38

15, Ripley Road, Bristol, BS5 7RB

Notified 29/10/2018

Mrs Irina Zozuk

25–50% shares
25–50% votes
Appoint directors

British · United Kingdom · Age 39

15, Ripley Road, Bristol, BS5 7RB

Notified 29/10/2018

Charges10 outstanding

Charge
outstanding

VIDA HOMELOANS

Created 17/12/2025Registered 17/12/2025
Charge
outstanding

VIDA HOMELOANS

Created 01/12/2025Registered 01/12/2025
Charge
outstanding

CHARTER COURT FINANCIAL SERVICES LIMITED

Created 01/09/2025Registered 02/09/2025
Charge
outstanding

PARAGON BANK PLC

Created 01/08/2025Registered 05/08/2025
Charge
outstanding

CHL MORTGAGES FOR INTERMEDIARIES LIMITED

Created 08/04/2025Registered 09/04/2025
Charge
outstanding

CHARTER COURT FINANCIAL SERVICES LIMITED

Created 18/02/2025Registered 24/02/2025
Charge
outstanding

CHL MORTGAGES FOR INTERMEDIARIES LIMITED

Created 17/10/2024Registered 25/10/2024
Charge
outstanding

CHARTER COURT FINANCIAL SERVICES LIMITED

Created 28/10/2022Registered 31/10/2022
Charge
satisfied

CHARTER COURT FINANCIAL SERVICES LIMITED

Created 26/08/2022Registered 30/08/2022Satisfied 31/10/2022
Charge
outstanding

PARATUS AMC LIMITED TRADING AS FOUNDATION HOME LOANS

Created 14/06/2022Registered 16/06/2022
Charge
outstanding

CHARTER COURT FINANCIAL SERVICES LIMITED T/A PRECISE MORTGAGES

Created 17/12/2021Registered 21/12/2021

CompanyRankvs 69520+ SIC 68209 peers
54

Financial strength90th percentile among SIC peers · 23/25
Employees77th percentile among SIC peers · 12/15
LiquidityCurrent ratio 0.68× · 6/20
Longevity8 years trading (max 15) · 8/15
Filing complianceAll filings up to date · 15/15
Outstanding charges -10
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69520Joyful Homes Ltd
59
How is this score calculated?
Financial strength23/25 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.

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.

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

Outstanding charges: -10 pts

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

Key FinancialsYear ending 31/10/2024

Net Worth

£542k

Balance sheet strength

Cash

£173k

Cash in the bank

Net Current Assets

-£85k

Working capital

Current Assets

£183k

Current Liabilities

£268k

Debtors

£10k

2avg. employees

Tax at Year End(2023)

Corp tax£1k

Balance Sheet

Bank loans & overdrafts£1.1M
Assets less current liabilities£1.7M
Prepared with Taxfiler

EstimatesDerived

YearCurrent RatioImplied Profit
20240.68+£143k
20230.12+£79k
20220.07+£160k
20212.14+£161k
20201.55—

Derived from filed accounts. Not audited figures.