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A & J Ratcliffe Associates Ltd

13418012

active
Private Limited Company
Companies House
Health Score
78 / 100

Some Concerns

30/30
Filing
10/30
Financial
38/40
Risk
  • Current liabilities exceed current assets (-10)
  • 1 outstanding charge (-2)

Details

44 KIRKGATE, RIPON, HG4 1PB
Incorporated 25/05/2021

Compliance

Accounts

Up to date

Confirmation statement

Up to date

Industry

64209
Activities of other holding companies
98000
Undifferentiated goods-and services-producing activities of private households for own use

Officers

Mrs Alison Margaret Ratcliffe

director · Since 25/05/2021

DIRECTOR

BRITISH · UNITED KINGDOM · Age 61

Mr Jonathon James Ratcliffe

director · Since 25/05/2021

DIRECTOR

BRITISH · UNITED KINGDOM · Age 46

Also on 1 other board

Persons with Significant Control

Mr Jonathon James Ratcliffe

25–50% shares
25–50% votes

British · United Kingdom · Age 46

44, Kirkgate, Ripon, HG4 1PB

Notified 25/05/2021

Mrs Alison Margaret Ratcliffe

25–50% shares
25–50% votes

British · United Kingdom · Age 61

44, Kirkgate, Ripon, HG4 1PB

Notified 25/05/2021

Charges1 outstanding

Charge
outstanding

PARAGON BANK PLC

Created 13/04/2023Registered 25/04/2023

CompanyRankvs 24776+ SIC 64209 peers
38

Financial strength60th percentile among SIC peers · 15/25
Employees75th percentile among SIC peers · 11/15
LiquidityCurrent ratio 0× · 2/20
Longevity5 years trading (max 15) · 5/15
Filing complianceAll filings up to date · 15/15
Outstanding charges -10
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24776A & J Ratcliffe Associates Ltd
48
How is this score calculated?
Financial strength15/25 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

£8k

Balance sheet strength

Cash

—

Cash in the bank

Net Current Assets

-£94k

Working capital

Current Assets

£163

Current Liabilities

£94k

Fixed Assets

£221k

2avg. employees+4

Balance Sheet

Assets less current liabilities£128k
Prepared with v2025.82.1 micro_entity_frs_105_v1_1_3 filing

EstimatesDerived

YearCurrent RatioImplied Profit
20250.00+£13k
20240.01-£10k
20230.00—

Derived from filed accounts. Not audited figures.