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Xarphis&Gratia Living Limited

14361608

active
Private Limited Company
england wales
Companies House
Health Score
66 / 100

Some Concerns

30/30
Filing
0/30
Financial
36/40
Risk
  • Negative net worth (-10)
  • 2 outstanding charges (-4)

Details

29 MAYNE AVENUE, LUTON, LU4 9LR
Incorporated 16/09/2022

Compliance

Last accounts

30/09/2025

unaudited abridged

Next accounts due

30/06/2027

On track

Confirmation statement

Last: 15/09/2025

Due 29/09/2026

On track

Industry

68100
Buying and selling of own real estate
68209
Other letting and operating of own or leased real estate

Officers

Mr Ayobanji Atundaolu

director · Since 16/09/2022

DIRECTOR

BRITISH · SCOTLAND · Age 41

Also on 1 other board

Dr Oyinoluwapo Ogunbambi

director · Since 16/09/2022

DIRECTOR

NIGERIAN · ENGLAND · Age 37

Persons with Significant Control

Dr Oyinoluwapo Ogunbambi

25–50% shares
25–50% votes
Appoint directors

Nigerian · England · Age 37

29, Mayne Avenue, Luton, LU4 9LR

Notified 16/09/2022

Mr Ayobanji Atundaolu

25–50% shares
25–50% votes
Appoint directors

British · Scotland · Age 41

29, Mayne Avenue, Luton, LU4 9LR

Notified 16/09/2022

Charges2 outstanding

Charge
outstanding

ALDERMORE BANK PLC

Created 29/11/2023Registered 06/12/2023
Charge
outstanding

THE MORTGAGE WORKS (UK) PLC

Created 14/02/2023Registered 14/02/2023

CompanyRankvs 139166+ SIC 68100 peers
23

Financial strength21th percentile among SIC peers · 5/25
Employees60th percentile among SIC peers · 9/15
LiquidityNo balance sheet data · 0/20
Longevity4 years trading (max 15) · 4/15
Filing complianceAll filings up to date · 15/15
Outstanding charges -10
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139166Xarphis&Gratia Living Limited
32
How is this score calculated?
Financial strength5/25 pts

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

Employees9/15 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.

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 30/09/2025

Net Worth

-£4k

Balance sheet strength

Cash

£131

Cash in the bank

Net Current Assets

£131

Working capital

Current Assets

—

Current Liabilities

£50

Fixed Assets

£455k

1avg. employees

Balance Sheet

Assets less current liabilities£455k
Prepared with VT Final Accounts

EstimatesDerived

YearImplied Profit
2025+£1k
2024+£3k

Derived from filed accounts. Not audited figures.