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T & Y Ltd

13671678

active
ltd
england wales
Companies House
Health Score
63 / 100

Some Concerns

25/30
Filing
0/30
Financial
38/40
Risk
  • No accounts filed in last 18 months (-5)
  • Negative net worth (-10)
  • 1 outstanding charge (-2)

Details

40 Rufus Road, Carlisle, CA1 2GU
Incorporated 11/10/2021

Compliance

Last accounts

31/10/2024

micro entity

Next accounts due

31/07/2026

On track

Confirmation statement

Last: 10/10/2025

Due 24/10/2026

On track

Industry

68209
Other letting and operating of own or leased real estate

Officers

Yunzhuo Chen

director · Since 11/10/2021

British · England · Age 25

Tsz Ching Mak

director · Since 11/10/2021

British · United Kingdom · Age 25

Persons with Significant Control

Miss Yunzhuo Chen

25–50% shares
25–50% votes

British · England · Age 25

63 Durdar Road, Carlisle, CA2 4SQ

Notified 11/10/2021

Miss Tsz Ching Mak

25–50% shares
25–50% votes

British · England · Age 25

48, Broadoaks Grange, Carlisle, CA1 2TA

Notified 11/10/2021

Charges1 outstanding

Charge
outstanding

THE MORTGAGE WORKS (UK) PLC

Created 26/09/2025Registered 02/10/2025

Change History

officer appointed → CHEN, Yunzhuo
2026-06-10
officer appointed → MAK, Tsz Ching
2026-06-10
status → active
2026-06-10

Active

type → ltd
2026-06-10

Private Limited Company

address line1 → 40 Rufus Road
2026-06-10

40 RUFUS ROAD

post town → Carlisle
2026-06-10

CARLISLE

CompanyRankvs 285201+ SIC 68209 peers
17

Financial strength14th percentile among SIC peers · 4/25
Employees18th percentile among SIC peers · 3/15
LiquidityNo balance sheet data · 0/20
Longevity5 years trading (max 15) · 5/15
Filing complianceAll filings up to date · 15/15
Outstanding charges -10
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285201T & Y Ltd
26
How is this score calculated?
Financial strength4/25 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.

Liquidity0/20 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 31/10/2024

Net Worth

-£10k

Balance sheet strength

Cash

—

Cash in the bank

Net Current Assets

-£155k

Working capital

Current Assets

-£155k

Current Liabilities

—

Fixed Assets

£147k

0avg. employees

Balance Sheet

Assets less current liabilities-£9k
Prepared with v2025.19.1 micro_entity_frs_105_v1_1_2 filing

EstimatesDerived

YearCurrent Ratio
2023-4.01

Derived from filed accounts. Not audited figures.