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Cartref Cmj Ltd

13386259

active
Private Limited Company
wales
Companies House
Health Score
60 / 100

Some Concerns

30/30
Filing
0/30
Financial
30/40
Risk
  • Negative net worth (-10)
  • Current liabilities exceed current assets (-10)
  • 6 outstanding charges (-10)

Details

THE OLD SCHOOL, CARMARTHEN, SA31 3LN
Incorporated 11/05/2021

Compliance

Last accounts

31/03/2025

unaudited abridged

Next accounts due

31/12/2026

On track

Confirmation statement

Last: 18/10/2025

Due 01/11/2026

On track

Industry

68100
Buying and selling of own real estate
68209
Other letting and operating of own or leased real estate

Officers

Mrs Catrin Angharad James

director · Since 11/05/2021

DIRECTOR

BRITISH · WALES · Age 41

Also on 2 other boards

Mr Mark Phillip James

director · Since 11/05/2021

DIRECTOR

BRITISH · WALES · Age 44

Also on 2 other boards

Persons with Significant Control

Mrs Catrin Angharad James

25–50% shares
25–50% votes

British · Wales · Age 41

12 Heol Morlais, Llannon, Llanelli, SA14 6BD

Notified 11/05/2021

Mr Mark Phillip James

25–50% shares
25–50% votes

British · Wales · Age 44

12 Heol Morlais, Llannon, Llanelli, SA14 6BD

Notified 11/05/2021

Charges6 outstanding

Charge
outstanding

ALDERMORE BANK PLC

Created 23/06/2025Registered 25/06/2025
Charge
outstanding

PARAGON BANK PLC

Created 21/05/2025Registered 21/05/2025
Charge
outstanding

THE MORTGAGE WORKS (UK) PLC

Created 10/02/2023Registered 14/02/2023
Charge
outstanding

TOPAZ FINANCE LIMITED TRADING AS ZEPHYR HOMELOANS

Created 19/08/2022Registered 22/08/2022
Charge
outstanding

THE MORTGAGE WORKS (UK) PLC

Created 12/11/2021Registered 15/11/2021
Charge
outstanding

MONMOUTHSHIRE BUILDING SOCIETY

Created 25/10/2021Registered 25/10/2021

CompanyRankvs 124524+ SIC 68100 peers
25

Financial strength4th percentile among SIC peers · 1/25
Employees81th percentile among SIC peers · 12/15
LiquidityCurrent ratio 0.19× · 2/20
Longevity5 years trading (max 15) · 5/15
Filing complianceAll filings up to date · 15/15
Outstanding charges -10
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124524Cartref Cmj Ltd
35
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.

Employees12/15 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 31/03/2026

Net Worth

-£102k

Balance sheet strength

Cash

£111k

Cash in the bank

Net Current Assets

-£480k

Working capital

Current Assets

£115k

Current Liabilities

£595k

Fixed Assets

£1.2M

Debtors

£4k

2avg. employees

Balance Sheet

Assets less current liabilities£691k
Prepared with IRIS Accounts Production

EstimatesDerived

YearCurrent RatioImplied Profit
20260.19+£44k
20250.03-£74k
20240.11+£6k
20230.04—

Derived from filed accounts. Not audited figures.