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Norfolk Granite Holdings Limited

13303428

active
Private Limited Company
Companies House
Health Score
74 / 100

Some Concerns

30/30
Filing
10/30
Financial
34/40
Risk
  • Current liabilities exceed current assets (-10)
  • 3 outstanding charges (-6)

Details

FIRST FLOOR SUITE, BURY ST EDMUNDS, IP32 7EA
Incorporated 30/03/2021

Compliance

Accounts

Up to date

Confirmation statement

Up to date

Industry

64209
Activities of other holding companies
68209
Other letting and operating of own or leased real estate

Officers

Mrs Joanne Nicola Cowles

director · Since 30/03/2021

DIRECTOR

BRITISH · ENGLAND · Age 53

Mr Gareth Cowles

director · Since 27/03/2026

BRITISH · ENGLAND · Age 58

Also on 1 other board

Persons with Significant Control

Mrs Joanne Nicola Cowles

25–50% shares
25–50% votes

British · United Kingdom · Age 53

First Floor Suite, 2 Hillside Business Park, Bury St Edmunds, IP32 7EA

Notified 24/05/2021

Mr Gareth Cowles

25–50% shares
25–50% votes

British · England · Age 58

First Floor Suite, 2 Hillside Business Park, Bury St Edmunds, IP32 7EA

Notified 27/03/2026

Former PSCs

Mr Gareth Cowles

Ceased 27/03/2026

Charges3 outstanding

Charge
outstanding

PARAGON BANK PLC

Created 17/04/2026Registered 01/05/2026
Charge
satisfied

PARAGON BANK PLC

Created 18/12/2025Registered 18/12/2025Satisfied 23/04/2026
Charge
outstanding

PARAGON BANK PLC

Created 26/03/2024Registered 26/03/2024
Charge
satisfied

CHARTER COURT FINANCIAL SERVICES LIMITED

Created 27/02/2023Registered 28/02/2023Satisfied 26/03/2024
Charge
outstanding

PARAGON BANK PLC

Created 27/08/2021Registered 27/08/2021

CompanyRankvs 19735+ SIC 64209 peers
42

Financial strength75th percentile among SIC peers · 19/25
Employees75th percentile among SIC peers · 11/15
LiquidityCurrent ratio 0.28× · 2/20
Longevity5 years trading (max 15) · 5/15
Filing complianceAll filings up to date · 15/15
Outstanding charges -10
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19735Norfolk Granite Holdings Limited
52
How is this score calculated?
Financial strength19/25 pts

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

Employees11/15 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.

Longevity5/15 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

£203k

Balance sheet strength

Cash

£4k

Cash in the bank

Net Current Assets

-£61k

Working capital

Current Assets

£23k

Current Liabilities

£84k

Fixed Assets

£575k

Debtors

£20k

2avg. employees

Balance Sheet

Assets less current liabilities£514k
Prepared with Sage Accounts Production Advanced 2023 - FRS102_2023

EstimatesDerived

YearCurrent RatioImplied Profit
20250.28+£67k
20240.05+£59k
20230.03-£2k
202212.81—

Derived from filed accounts. Not audited figures.