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Spendwise Financials Ltd

13036170

active
ltd
england wales
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)
  • Negative net worth (-10)

Details

2 Westglade Court, Woodgrange Close, Harrow, HA3 0XQ
Incorporated 23/11/2020

Compliance

Last accounts

30/11/2024

micro entity

Next accounts due

31/08/2026

On track

Confirmation statement

Last: 18/11/2025

Due 02/12/2026

On track

Industry

98000
Undifferentiated goods-and services-producing activities of private households for own use

Officers

Mr Sandip Joshi

director · Since 23/11/2020

DIRECTOR

BRITISH · ENGLAND · Age 42

Also on 9 other boards

Mrs Amee Joshi

director · Since 05/11/2021

COMPANY DIRECTOR

BRITISH · ENGLAND · Age 37

Also on 6 other boards

Sandip Joshi

director · Since 23/11/2020

British · England · Age 42

Amee Joshi

director · Since 05/11/2021

British · England · Age 37

Persons with Significant Control

Mr Sandip Joshi

25–50% shares
25–50% votes
Appoint directors
right-to-appoint-and-remove-directors-as-trust
right-to-appoint-and-remove-directors-as-firm

British · England · Age 42

2 Westglade Court, Woodgrange Close, Harrow, HA3 0XQ

Notified 23/11/2020

Mrs Amee Joshi

25–50% shares
25–50% votes
Appoint directors
right-to-appoint-and-remove-directors-as-trust
right-to-appoint-and-remove-directors-as-firm

British · England · Age 37

2 Westglade Court, Woodgrange Close, Harrow, HA3 0XQ

Notified 05/11/2021

Change History

officer appointed → JOSHI, Amee
2026-06-13
officer appointed → JOSHI, Sandip
2026-06-13
status → active
2026-06-13

Active

type → ltd
2026-06-13

Private Limited Company

address line1 → 2 Westglade Court
2026-06-13

2 WESTGLADE COURT

post town → Harrow
2026-06-13

HARROW

CompanyRankvs 96705+ SIC 98000 peers
30

Financial strength4th percentile among SIC peers · 1/25
Employees37th percentile among SIC peers · 6/15
LiquidityCurrent ratio 0.03× · 2/20
Longevity6 years trading (max 15) · 6/15
Filing complianceAll filings up to date · 15/15
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29
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.

Employees6/15 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.

Longevity6/15 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

-£11k

Balance sheet strength

Cash

—

Cash in the bank

Net Current Assets

£502

Working capital

Current Assets

£502

Current Liabilities

£15k

Fixed Assets

£2k

0avg. employees

Balance Sheet

Assets less current liabilities£2k
Prepared with Taxfiler

EstimatesDerived

YearCurrent Ratio
20240.03

Derived from filed accounts. Not audited figures.