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Warm Low Living Limited

16004076

active
ltd
england wales
Companies House
Health Score
68 / 100

Some Concerns

30/30
Filing
0/30
Financial
38/40
Risk
  • Negative net worth (-10)
  • Current liabilities exceed current assets (-10)
  • 1 outstanding charge (-2)

Details

First Floor St. James House, St James Square, Cheltenham, GL50 3PR
Incorporated 08/10/2024

Previously known as

Sw Assessors Limited · until 02/09/2025

Compliance

Last accounts

31/12/2025

total exemption full

Next accounts due

30/09/2027

On track

Confirmation statement

Last: 07/10/2025

Due 21/10/2026

On track

Industry

96090
Other personal service activities

Officers

Mrs Elizabeth Janet Lake

director · Since 08/10/2024

COMPANY DIRECTOR

BRITISH · ENGLAND · Age 58

Also on 11 other boards

Mr John William Charles Charlton

director · Since 08/10/2024

COMPANY DIRECTOR

BRITISH · ENGLAND · Age 70

Also on 1 other board

Mr John William Charles Charlton

secretary · Since 14/11/2024

Also on 1 other board

Mr Peter David Mawby Smith

director · Since 30/06/2025

CHIEF EXECUTIVE

BRITISH · ENGLAND · Age 55

Also on 8 other boards

Mr Neil Donald

director · Since 24/11/2025

BRITISH · ENGLAND · Age 60

Elizabeth Janet Lake

director · Since 08/10/2024

British · England · Age 58

John William Charles Charlton

director · Since 08/10/2024

British · England · Age 70

John William Charles Charlton

secretary · Since 14/11/2024

Peter David Mawby Smith

director · Since 30/06/2025

British · England · Age 55

Neil Donald

director · Since 24/11/2025

British · England · Age 60

Persons with Significant Control

South West Heating Services Ltd

75–100% shares
75–100% votes

First Floor, St. James House, Cheltenham, GL50 3PR

Reg: 12074906 · Uk Register Of Companies · Private Company Limited By Shares

Notified 08/10/2024

Charges1 outstanding

Charge
outstanding

HSBC UK BANK PLC

Created 14/08/2025Registered 15/08/2025

Change History

statusactive
2026-07-27

Active

typeltd
2026-07-27

Private Limited Company

address line1First Floor St. James House
2026-07-27

FIRST FLOOR ST. JAMES HOUSE

post townCheltenham
2026-07-27

CHELTENHAM

officer appointedCHARLTON, John William Charles
2026-07-27
officer appointedCHARLTON, John William Charles
2026-07-27
officer appointedDONALD, Neil
2026-07-27
officer appointedLAKE, Elizabeth Janet
2026-07-27
officer appointedSMITH, Peter David Mawby
2026-07-27

CompanyRankvs 89078+ SIC 96090 peers
23

Financial strength1th percentile among SIC peers · 0/25
Employees91th percentile among SIC peers · 14/15
LiquidityCurrent ratio 0.29× · 2/20
Longevity2 years trading (max 15) · 2/15
Filing complianceAll filings up to date · 15/15
Outstanding charges -10
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How is this score calculated?
Financial strength0/25 pts

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

Employees14/15 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.

Longevity2/15 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 31/12/2025

Net Worth

-£368k

Balance sheet strength

Cash

£37k

Cash in the bank

Net Current Assets

-£385k

Working capital

Current Assets

£154k

Current Liabilities

£539k

Fixed Assets

£17k

Debtors

£109k

5avg. employees+5
Prepared with Digita Accounts Production Advanced

EstimatesDerived

YearCurrent Ratio
20250.29
20241.00

Derived from filed accounts. Not audited figures.