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Cartref Cmj Ltd

13386259

active
Private Limited Company
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

Accounts

Up to date

Confirmation statement

Up to date

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 122215+ SIC 68100 peers
25

Financial strength3th percentile among SIC peers · 1/25
Employees81th percentile among SIC peers · 12/15
LiquidityCurrent ratio 0.03× · 2/20
Longevity5 years trading (max 15) · 5/15
Filing complianceAll filings up to date · 15/15
Outstanding charges -10
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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 31/03/2025

Net Worth

-£146k

Balance sheet strength

Cash

£18k

Cash in the bank

Net Current Assets

-£605k

Working capital

Current Assets

£21k

Current Liabilities

£627k

Fixed Assets

£1.1M

Debtors

£3k

2avg. employees

Balance Sheet

Assets less current liabilities£488k
Prepared with IRIS Accounts Production

EstimatesDerived

YearCurrent RatioImplied Profit
20250.03-£74k
20240.11+£6k
20230.04-£47k
20220.21—

Derived from filed accounts. Not audited figures.