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Terrace Ruby Ltd

13658727

active
ltd
england wales
Companies House
Health Score
80 / 100

Healthy

30/30
Filing
20/30
Financial
30/40
Risk
  • 27 outstanding charges (-10)

Details

Refuge House 33-37 Watergate Row South, Chester, CH1 2LE
Incorporated 04/10/2021

Previously known as

St David Ruby Ltd · until 03/06/2025
St David Church Ltd · until 26/10/2022
St David Leyland Ltd · until 20/10/2022
St David Russell Ltd · until 08/08/2022
St David Bury Ltd · until 10/03/2022

Compliance

Last accounts

31/10/2024

unaudited abridged

Next accounts due

31/07/2026

On track

Confirmation statement

Last: 28/09/2025

Due 12/10/2026

On track

Industry

68100
Buying and selling of own real estate

Officers

Anthony Philip Davies

director · Since 04/10/2021

British · United Kingdom · Age 70

Persons with Significant Control

St David Acol Ltd

75–100% shares
75–100% votes
Appoint directors

Refuge House 33-37, Watergate Row South, Chester, CH1 2LE

Reg: 12060827 · Uk Register Of Companies · Private Company Limited By Shares

Notified 04/10/2021

Charges27 outstanding

A registered charge
satisfied

RICHARD JOHN MURRAY-NOBBS

Created 21/04/2023Registered 15/07/2026Satisfied 15/07/2026
A registered charge
satisfied

GAEBRIELLA WILKINS

Created 28/03/2024Registered 08/07/2026Satisfied 08/07/2026
A registered charge
satisfied

JONATHAN STUART COLLINS

Created 27/03/2024Registered 08/07/2026Satisfied 08/07/2026
A registered charge
satisfied

ROBERT SCHLIPPER

Created 06/03/2024Registered 08/07/2026Satisfied 08/07/2026
A registered charge
satisfied

BRIAN MACKIE

Created 12/03/2024Registered 08/07/2026Satisfied 08/07/2026
A registered charge
satisfied

IAN NEWTON BREWIS

Created 08/03/2024Registered 08/07/2026Satisfied 08/07/2026
A registered charge
satisfied

MATTHEW CHANDLER

Created 06/02/2024Registered 08/07/2026Satisfied 08/07/2026
A registered charge
satisfied

RICHARD ALEXANDER CARREY

Created 22/01/2024Registered 08/07/2026Satisfied 08/07/2026
A registered charge
satisfied

MICHAEL JOHN FRANCIS RICE

Created 28/04/2023Registered 08/07/2026Satisfied 08/07/2026
A registered charge
satisfied

CHRISTOPHER MICHAEL RIGGS · ELIZABETH ANNE RIGGS

Created 22/01/2024Registered 08/07/2026Satisfied 08/07/2026
A registered charge
outstanding

ALLICA BANK LIMITED

Created 01/07/2026Registered 07/07/2026
A registered charge
outstanding

ALLICA BANK LIMITED

Created 01/07/2026Registered 02/07/2026
A registered charge
satisfied

WARAPORN KUNONTAYA

Created 26/02/2024Registered 24/06/2026Satisfied 24/06/2026
Charge
outstanding

NICHOLAS JAMES CREER THOMPSON AND MO LIN CYNDI THOMPSON

Created 16/05/2025Registered 19/05/2025
Charge
outstanding

GAEBRIELLA WILKINS

Created 28/03/2024Registered 28/03/2024
Charge
outstanding

JONATHAN STUART COLLINS

Created 27/03/2024Registered 28/03/2024
Charge
outstanding

ROBERT SCHLIPPER

Created 06/03/2024Registered 25/03/2024
Charge
outstanding

IAN NEWTON BREWIS

Created 08/03/2024Registered 13/03/2024
Charge
outstanding

BRIAN MACKIE

Created 12/03/2024Registered 13/03/2024
Charge
outstanding

MINI GUP PROPERTY LTD

Created 22/02/2024Registered 28/02/2024
Charge
outstanding

WARAPORN KUNONTAYA

Created 26/02/2024Registered 28/02/2024
Charge
outstanding

JONATHAN HILL

Created 13/02/2024Registered 28/02/2024
Charge
outstanding

SARAH JANE KUCIA

Created 21/02/2024Registered 28/02/2024
Charge
outstanding

FERGAL WHYTE

Created 07/02/2024Registered 27/02/2024
Charge
outstanding

MATTHEW CHANDLER

Created 06/02/2024Registered 21/02/2024
Charge
outstanding

PAUL ANTHONY MOORE · GILLIAN DEIDRE THOMPSON

Created 02/02/2024Registered 15/02/2024
Charge
outstanding

RICHARD ALEXANDER CARREY

Created 22/01/2024Registered 07/02/2024
Charge
outstanding

JAMES ROBERT SUTTIE

Created 23/01/2024Registered 07/02/2024
Charge
outstanding

FIONA PEI MYN CHENG

Created 23/01/2024Registered 07/02/2024
Charge
outstanding

CHRISTOPHER MICHAEL RIGGS · ELIZABETH ANNE RIGGS

Created 22/01/2024Registered 07/02/2024
Charge
outstanding

TIM JOHN GREENWOOD

Created 15/01/2024Registered 31/01/2024
Charge
outstanding

SUI MING CHU

Created 05/05/2023Registered 12/05/2023
Charge
outstanding

NICHOLAS JAMES CREER THOMPSON · MO LIN CYNDI THOMPSON

Created 25/04/2023Registered 03/05/2023
Charge
outstanding

MICHAEL JOHN FRANCIS RICE

Created 28/04/2023Registered 03/05/2023
Charge
outstanding

SHARON CHRISTINE RILEY

Created 19/04/2023Registered 03/05/2023
Charge
outstanding

RICHARD JOHN MURRAY-NOBBS

Created 21/04/2023Registered 03/05/2023
Charge
outstanding

WING LIM LEUNG · WAI MAN POON

Created 25/04/2023Registered 03/05/2023
Charge
outstanding

CATHERINE KENG GUAN POR

Created 11/04/2023Registered 13/04/2023

Change History

status → active
2026-05-04

Active

type → ltd
2026-05-04

Private Limited Company

address line1 → Refuge House 33-37 Watergate Row South
2026-05-04

REFUGE HOUSE 33-37

post town → Chester
2026-05-04

CHESTER

CompanyRankvs 67888+ SIC 68100 peers
43

Financial strength57th percentile among SIC peers · 14/25
Employees19th percentile among SIC peers · 3/15
LiquidityCurrent ratio 1.51× · 16/20
Longevity5 years trading (max 15) · 5/15
Filing complianceAll filings up to date · 15/15
Outstanding charges -10
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67888Terrace Ruby Ltd
48
How is this score calculated?
Financial strength14/25 pts

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

Employees3/15 pts

Workforce size relative to sector peers from the most recent accounts. A larger team generally signals commercial scale.

Liquidity16/20 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 31/10/2025

Net Worth

£2k

Balance sheet strength

Cash

£49k

Cash in the bank

Net Current Assets

£32k

Working capital

Current Assets

£95k

Current Liabilities

£63k

Fixed Assets

£1.8M

Debtors

£45k

0avg. employees

Balance Sheet

Assets less current liabilities£1.8M
Prepared with Capium Accounts Production

EstimatesDerived

YearCurrent RatioImplied Profit
20251.51+£443
2024120.96+£0
20230.28—

Derived from filed accounts. Not audited figures.