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J&J Home & Holiday Lettings Ltd

13985781

active
Private Limited Company
Companies House
Health Score
62 / 100

Some Concerns

30/30
Filing
0/30
Financial
32/40
Risk
  • Negative net worth (-10)
  • Current liabilities exceed current assets (-10)
  • 4 outstanding charges (-8)

Details

15 FINCHFIELD LANE, WOLVERHAMPTON, WV3 8EE
Incorporated 18/03/2022

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
68320
Management of real estate on a fee or contract basis

Officers

Mrs Joanne Rose Penfield

director · Since 18/03/2022

WAREHOUSE MANAGER

BRITISH · UNITED KINGDOM · Age 51

Mr Joshua Terence Penfield

director · Since 18/03/2022

PAINTER & DECORATOR

BRITISH · UNITED KINGDOM · Age 34

Charges4 outstanding

Charge
outstanding

VIDA HOMELOANS

Created 17/04/2026Registered 06/05/2026
Charge
satisfied

SHAWBROOK BANK LIMITED

Created 24/04/2025Registered 25/04/2025Satisfied 06/05/2026
Charge
outstanding

TIPTON & COSELEY BUILDING SOCIETY

Created 23/08/2024Registered 23/08/2024
Charge
outstanding

LENDINVEST SECURITY TRUSTEES LIMITED

Created 18/10/2023Registered 19/10/2023
Charge
outstanding

ONESAVINGS BANK PLC

Created 19/04/2023Registered 20/04/2023
Charge
satisfied

TOGETHER COMMERCIAL FINANCE LIMITED

Created 05/05/2022Registered 11/05/2022Satisfied 25/05/2023
Charge
satisfied

TOGETHER COMMERCIAL FINANCE LIMITED

Created 05/05/2022Registered 09/05/2022Satisfied 25/05/2023

CompanyRankvs 171955+ SIC 68100 peers
16

Financial strength9th percentile among SIC peers · 2/25
Employees19th percentile among SIC peers · 3/15
LiquidityCurrent ratio 0.07× · 2/20
Longevity4 years trading (max 15) · 4/15
Filing complianceAll filings up to date · 15/15
Outstanding charges -10
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How is this score calculated?
Financial strength2/25 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.

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.

Longevity4/15 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

-£32k

Balance sheet strength

Cash

£8k

Cash in the bank

Net Current Assets

-£304k

Working capital

Current Assets

£22k

Current Liabilities

£326k

Fixed Assets

£273k

Debtors

£15k

0avg. employees

Balance Sheet

Assets less current liabilities-£32k
Prepared with Sage Accounts Production Advanced 2024 - FRS102_2024

EstimatesDerived

YearCurrent RatioImplied Profit
20250.07-£9k
2024-£14k

Derived from filed accounts. Not audited figures.