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Finch & Francis Ltd

11850294

active
Private Limited Company
Companies House
Health Score
88 / 100

Healthy

30/30
Filing
20/30
Financial
38/40
Risk
  • 1 outstanding charge (-2)

Details

10 MIDDLE ROW, EAST GRINSTEAD, RH19 3AX
Incorporated 27/02/2019

Compliance

Accounts

Up to date

Confirmation statement

Up to date

Industry

47782
Retail sale by opticians

Officers

Ms Lucinda Georgina Howard

director · Since 01/03/2019

OPTICIAN

BRITISH · ENGLAND · Age 45

Persons with Significant Control

Ms Lucinda Georgina Howard

25–50% shares
25–50% votes

British · England · Age 45

10, Middle Row, East Grinstead, RH19 3AX

Notified 01/12/2022

Mr Toby James Robert Osborne

25–50% shares
25–50% votes

British · England · Age 48

10, Middle Row, East Grinstead, RH19 3AX

Notified 26/01/2026

Charges1 outstanding

Charge
outstanding

NATIONAL WESTMINSTER BANK PLC

Created 05/11/2019Registered 06/11/2019

CompanyRankvs 304+ SIC 47782 peers
64

Financial strength89th percentile among SIC peers · 22/25
Employees64th percentile among SIC peers · 10/15
LiquidityCurrent ratio 2.22× · 20/20
Longevity7 years trading (max 15) · 7/15
Filing complianceAll filings up to date · 15/15
Outstanding charges -10
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How is this score calculated?
Financial strength22/25 pts

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

Employees10/15 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.

Longevity7/15 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 31/03/2025

Net Worth

£214k

Balance sheet strength

Cash

£12k

Cash in the bank

Net Current Assets

£140k

Working capital

Current Assets

£254k

Current Liabilities

£114k

Fixed Assets

£236k

Debtors

£214k

4avg. employees

Balance Sheet

Intangible assets£186k
Bank loans & overdrafts£112k
Assets less current liabilities£376k
Prepared with VT Final Accounts

EstimatesDerived

YearCurrent RatioImplied Profit
20252.22-£41k
20242.49+£33k
20231.87+£47k
20221.36+£28k
20211.15

Derived from filed accounts. Not audited figures.