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Gray Financial Ltd

12313518

active
Private Limited Company
Companies House
Health Score
75 / 100

Some Concerns

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

Details

22 PARK AVENUE, LIVERSEDGE, WF15 7EQ
Incorporated 13/11/2019

Compliance

Accounts

Up to date

Confirmation statement

Up to date

Industry

64999
Other financial service activities

Officers

Mr Andrew Ian Gray

director · Since 13/11/2019

FINANCIAL ADVISER

BRITISH · ENGLAND · Age 49

Also on 1 other board

Persons with Significant Control

Mr Andrew Ian Gray

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

British · England · Age 49

35, Millstone Rise, Liversedge, WF15 7BW

Notified 01/04/2023

Former PSCs

Mr Terence Ian Gray

Ceased 03/02/2025

CompanyRankvs 12402+ SIC 64999 peers
51

Financial strength51th percentile among SIC peers · 13/25
Employees92th percentile among SIC peers · 14/15
LiquidityCurrent ratio 0.28× · 2/20
Longevity7 years trading (max 15) · 7/15
Filing complianceAll filings up to date · 15/15
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12402Gray Financial Ltd
50
How is this score calculated?
Financial strength13/25 pts

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

Employees14/15 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.

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.

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

Key FinancialsYear ending 30/11/2024

Net Worth

£4k

Balance sheet strength

Cash

—

Cash in the bank

Net Current Assets

£254k

Working capital

Current Assets

£101k

Current Liabilities

£355k

Fixed Assets

£257k

6avg. employees

Balance Sheet

Assets less current liabilities£4k
Prepared with Companies House

EstimatesDerived

YearCurrent RatioImplied Profit
20240.28-£5k
20230.22-£1k
20220.27+£512
20210.19—

Derived from filed accounts. Not audited figures.