Tern Valley Limited
14776097
Notable Risks
- Accounts filing overdue (-15)
- Negative net worth (-10)
- Current liabilities exceed current assets (-10)
- 2 outstanding charges (-4)
Details
Compliance
Last accounts
30/04/2025
total exemption full
Next accounts due
31/01/2027
Confirmation statement
Last: 21/03/2026
Due 04/04/2027
Industry
Officers
Persons with Significant Control
Mr Richard John Hemmings
British · England · Age 37
Spear House, Cobbett Road, Burntwood, WS7 3GL
Notified 03/04/2023
Mr Jonathan Anthony Pace
British · England · Age 48
Spear House, Cobbett Road, Burntwood, WS7 3GL
Notified 03/04/2023
Charges2 outstanding
TOGETHER COMMERCIAL FINANCE LIMITED
TOGETHER COMMERCIAL FINANCE LIMITED
Change History
Active
Private Limited Company
SPEAR HOUSE
BURNTWOOD
CompanyRankvs 193248+ SIC 68100 peers14
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How is this score calculated?
Net worth compared to all companies in the same SIC code with published accounts. Top quartile earns the full 25 points.
Workforce size relative to sector peers from the most recent accounts. A larger team generally signals commercial scale.
Current assets ÷ current liabilities. A ratio above 2× earns full marks; between 1–2× scores partially; below 0.5× scores minimal points.
One point per year of operation since incorporation, capped at 15. Older companies have a proven track record.
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 30/04/2025
Net Worth
-£142k
Balance sheet strength
Cash
£2k
Cash in the bank
Net Current Assets
-£467k
Working capital
Current Assets
£17k
Current Liabilities
£483k
Fixed Assets
£621k
Debtors
£14k
Balance Sheet
EstimatesDerived
| Year | Current Ratio | Implied Profit |
|---|---|---|
| 2025 | 0.03 | -£82k |
| 2024 | 0.20 | — |
Derived from filed accounts. Not audited figures.
Filing History12 filings
confirmation statement with updates
change to a person with significant control
change to a person with significant control
change registered office address company with date old address new address
change person director company with change date
change person director company with change date
confirmation statement with no updates
accounts with accounts type total exemption full
confirmation statement with no updates
mortgage create with deed with charge number charge creation date
mortgage create with deed with charge number charge creation date
incorporation company