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Lending And Finance Ltd

14821811

active
Private Limited Company
Companies House
Health Score
78 / 100

Some Concerns

30/30
Filing
10/30
Financial
38/40
Risk
  • Current liabilities exceed current assets (-10)
  • 1 outstanding charge (-2)

Details

FAIRMAN HARRIS, LONDON, SW9 9RX
Incorporated 24/04/2023

Compliance

Accounts

Up to date

Confirmation statement

Up to date

Industry

64999
Other financial service activities

Officers

Hing Tsang

director · Since 24/04/2023

COMPANY DIRECTOR

BRITISH · UNITED KINGDOM · Age 63

Also on 4 other boards

Yik Chong Tsang

director · Since 24/04/2023

COMPANY DIRECTOR

BRITISH · UNITED KINGDOM · Age 60

Also on 4 other boards

Persons with Significant Control

The Tsang Partnership Ltd.

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

Fairman Harris, 1 Landor Road, London, SW9 9RX

Reg: 05112400 · Companies House · Corporate

Notified 24/04/2023

Charges1 outstanding

Charge
outstanding

CYNERGY BANK PLC

Created 23/01/2025Registered 06/02/2025

CompanyRankvs 10907+ SIC 64999 peers
44

Financial strength64th percentile among SIC peers · 16/25
Employees0th percentile among SIC peers · 0/15
LiquidityCurrent ratio 5.6× · 20/20
Longevity3 years trading (max 15) · 3/15
Filing complianceAll filings up to date · 15/15
Outstanding charges -10
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How is this score calculated?
Financial strength16/25 pts

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

Employees0/15 pts

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

Liquidity20/20 pts

Current assets ÷ current liabilities. A ratio above 2× earns full marks; between 1–2× scores partially; below 0.5× scores minimal points.

Longevity3/15 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 30/04/2025

Net Worth

£22k

Balance sheet strength

Cash

—

Cash in the bank

Net Current Assets

£2.6M

Working capital

Current Assets

£3.1M

Current Liabilities

£555k

Debtors

£3.1M

Balance Sheet

Assets less current liabilities£2.6M
Signed by Mr Y C Tsang 28 January 2026Prepared with Acorah Software Products - Accounts Production

EstimatesDerived

YearCurrent Ratio
20255.60
20240.00

Derived from filed accounts. Not audited figures.