Company Overview
Consumer Credit Trade Association is listed at the official companies registry as Active Private Limited By Guarantee Without Share Capital. The company was incorporated on Thursday 25 June 1891, so this is a well established company. Consumer Credit Trade Association has been in business for 134 years and 9 months. The accounts status is small and the accounts are next due on Wednesday 30 September 2026.
Registered Address

11 Merus Court, Meridian Business Park, Leicester, LE19 1RJ
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Companies House Data
Company NameCONSUMER CREDIT TRADE ASSOCIATION
Company Number00034278
Registered Office Address11 Merus Court
 Meridian Business Park
 LE19 1RJ
Company CategoryPrivate Limited By Guarantee Without Share Capital
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date25/06/1891
Accounting Reference Date Day31
Accounting Reference Date Month12
Accounts Next Due Date30/09/2026
Accounts Last Made Up Date31/12/2024
Accounts Account CategorySMALL
Returns Next Due Date24/08/2016
Returns Last Made Up Date27/07/2015
Directors & Members
Show Resigned
Sheraz Afzal - Director
(British, 47 years old, born August 1979)
Appointed 24 February 2021
 Active
Joanne Davis - Director
(British, 51 years old, born July 1975)
Appointed 08 February 2021
 Active
Michael Deans - Director
(British, 56 years old, born May 1970)
Appointed 26 November 2024
 Active
Mark Fiander - Director
(British, 56 years old, born March 1970)
Appointed 08 December 2020
 Active
Adam Freeman - Director
(British, 48 years old, born February 1978)
Appointed 24 February 2021
 Active
Jonathan Gillespie - Director
(British, 54 years old, born November 1972)
Appointed 01 June 2022
 Active
Christopher Gillespie - Director
(British, 63 years old, born March 1963)
Appointed 19 April 2024
 Active
Russell Kelsall - Director
(British, 45 years old, born January 1981)
Appointed 19 April 2024
 Active
Secretaries
Show Resigned
Other Company Directorships
Sheraz Afzal
No companies found
Joanne Davis
No companies found
Michael Deans
BORDERWAY FINANCE LIMITED
H&H FINANCE LIMITED
PEOPLE FIRST INDEPENDENT ADVOCACY
Mark Fiander
CONSUMER FINANCE ASSOCIATION
GAIN CREDIT LLC
SYNAPI UK LTD.
Adam Freeman
JAMDOUGHNUT LIMITED
Jonathan Gillespie
CLAREANT LENDING HOLDCO LIMITED
EVERYDAY LENDING LIMITED
EVERYDAY LOANS HOLDINGS LIMITED
EVERYDAY LOANS LIMITED
GEORGE BANCO LIMITED
GEORGE BANCO.COM LIMITED
JAGHOLIDAYS LTD
Christopher Gillespie
CASHLINE PAWNBROKERS LIMITED
CORIMIRO PROPERTIES LIMITED
H & T GROUP LIMITED
HARVEY & THOMPSON LIMITED
QUADRILLION PROPERTIES LIMITED
SWISS TIME SERVICES LIMITED
THE NATIONAL PAWNBROKERS' ASSOCIATION
Russell Kelsall
No companies found
Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Balance Sheet
Fixed Assets 1,242 1,242 0
Current Assets 546,896 546,896 286,812
Creditors Due Within One Year 377,452 377,452 237,243
Working Cap 169,444 169,444 49,569
Total Assets Less Current Liabilities 170,686 170,686 49,569
Long-term Liabilities 0 0 0
Net Assets 170,686 170,686 49,569
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 170,686 170,686 49,569
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Tangible Fixed Assets - - -
Fixed Assets 0.2% 0.2% 0.0%
Stocks Inventory - - -
Debtors 35.6% 35.6% 44.4%
Cash Bank In Hand 61.6% 61.6% 47.9%
Current Assets 99.8% 99.8% 100.0%
Creditors Due Within One Year 68.9% 68.9% 82.7%
Net Current Assets Liabilities 30.9% 30.9% 17.3%
Creditors Due After One Year - - -
Accruals Deferred Income - - -
Provisions For Liabilities Charges - - -
Net Assets Liabilities Including Pension Asset Liability - - -
Called Up Share Capital - - -
Share Capital Allotted Called Up Paid - - -
Profit Loss Account Reserve - - -
Shareholder Funds 31.1% 31.1% 17.3%
Capital Employed - - -
Total Assets Less Current Liabilities 31.1% 31.1% 17.3%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Liquidity Ratio 1.4 1.4 1.2
Solvency Ratio 1.5 1.5 1.2
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 0
Mortgages Outstanding 0
Mortgages Part Satisfied 0
Mortgages Satisfied 0
Assets and Debt Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Assets 548,138 548,138 286,812
Debt 377,452 377,452 237,243
Net Assets/Debt 170,686 170,686 49,569

The following is based on the accounts data presented in this report sourced from Companies House, however the company has filed later accounts. Our analysis of the latest account can be viewed by unlocking our full report.

The company balance sheet displays a comfortable surplus of working capital. We would normally view this positively. Total reserves including retained profitability and movement in reserves appeared positive. We would normally view a company positively for this. The amount of net assets suggests sufficient cover for total debts and obligations for the size of the company inferred by the balance sheet.

Unlock full report  The following is based on the accounts data presented in this report sourced from Companies House, however the company has filed later accounts. Our analysis of the latest account can be viewed by unlocking our full report.The company balance sheet displays a comfortable surplus of working capital. We would normally view this positively. Total reserves including retained profitability and movement in reserves appeared positive. We would normally view a company positively for this. The amount of net assets suggests sufficient cover for total debts and obligations for the size of the company inferred by the balance sheet.   The following is based on the accounts data presented in this report sourced from Companies House, however the company has filed later accounts. Our analysis of the latest account can be viewed by unlocking our full report.The company balance sheet displays a comfortable surplus of working capital. We would normally view this positively. Total reserves including retained profitability and movement in reserves appeared positive. We would normally view a company positively for this. The amount of net assets suggests sufficient cover for total debts and obligations for the size of the company inferred by the balance sheet.

This review of public record balance sheet and company status information is presented under the terms of Open Government Licence and is for informational purposes only, is general in nature, and is not intended as an opinion or advice for any specific circumstances. The commentary and the colour band score is not a credit rating or credit risk assessment.

This review does not constitute a full credit rating or credit risk assessment based on the full analysis and credit score algorithms used in our credit reports. A full credit report may also provide information relating to trade payment history and county court or court judgments if any.

Public Record Information Unlock full report
Exact Court Judgements
Period of Months Last 12m 13-24m 25-36m 37-48m 49-60m 61-72m
Number of Exact CCJS X Y Y X X Y
Value of Exact CCJS YXY YK S S X KX
Supplier Credit Limits Unlock full report
Date Sector Notified Amount Terms
XK-SXY XKXYXK SXSKXYXK £X,000 XS XYSKS
SK-SYY SKXYXKYKKY KSXX KKXXYXS £YY,000 YS XYSKS SK YXXSXS
YK-SXY XKXYXYYK SXSXYXK £SX,000 XS XYSKS
Payment Records Unlock full report
Payment Records from it's suppliers' company ledger show how a company is paying its suppliers

Payment Analysis

Total Invoices Paid Before
30 days due		 Paid After
30 days due		 Owing Before
30 days due		 Owing after
30 days due
XYX SX K YX X
Company Valuation Analysis Unlock full report

Going Concern Valuation

The going concern valuations value the company on the basis that it continues to trade without the threat of liquidation for the foreseeable future. These valuations are primarily profit and cashflow based.

Valuations Valuation Measures
Estimated High Value £XSI,000 Retained Profit £YX,000
Estimated Mid Value £YY,000 EBIT £SY,000
Estimated Low Value £X,000 EBITDA £SSX,000

Liquidation Valuation

The liquidaton valuation values the company as if it were to cease trading and assets were subject to rapid disposal to cover liabilities. This valuation is primarily asset based.

Valuations Valuation Measures
Estimated High Value £XY,000 Total Assets £XIX,000
Estimated Mid Value £Y,000 Net Assets £YX,000
Estimated Low Value £S,000 Tangible Equity £SX,000

The above valuations are based on our own algorithms and take no account of many factors that can influence actual valuations realized and should not therefore be assumed to be accurate.
Credit Status Checklist Unlock full report
Business Growth Please purchase a report to see true comments
EBITDA Purchase a report to see true comments
Dividends Please purchase a report to see true comments about this company
Retained Profits Retained Profits for this company
Debt Interest Debt Interest for this company
Cash Flow Cash Flow for this company
CCJs CCJs for this company
Age of Company Age of Company for this company
Solvency Solvency for this company
Secured Creditors Secured Creditors for this company
Ownership Ownership for this company


First Report Score: (0-10) X
Financial Status Guide:
10 Very Strong
9 Strong
8 Very Good
7 Good
6 Above Average
5 Average
4 Below Average
3 Poor
2 Weak
1 Very Weak
0 Critical

Risk Score Trend

Risk Rating Unlock full report

This is the credit risk assessment used by one of the top UK credit reference agencies.

Risk Score (1-100) X
Risk Band Description XXMXMXMX SISX
Risk Assessment Meeting of Creditors
Credit Rating XSKX
Altman Z Score Credit Risk Rating Unlock full report

There have been many bankruptcy predictors developed, however none has been so thoroughly tested and broadly accepted as the Altman Z-Score.

Z Score X
Risk Band XY
Risk Band Description The Z Score is not used for small companies where full accounts are not filed because profit and loss account items are required to calculate the score.

Z Score Bands

1 Low Risk 3.00 and above
2 Caution 2.63 - 2.99
3 Risk of Failure within 2 years 1.24 - 2.62
4 High Probability Failure Below 1.24
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Document Filings
Director's details changed for Mr Jason Wassell on 28 July 2025
Confirmation statement made on 27 July 2025 with no updates
Appointment of Mr Michael Grant Deans as a director on 26 November 2024
Termination of appointment of Richard Joseph Fuller as a director on 11 November 2024
Confirmation statement made on 27 July 2024 with no updates
Appointment of Russell Jon Kelsall as a director on 19 April 2024
Appointment of Mr Christopher Donald Gillespie as a director on 19 April 2024
Termination of appointment of Frank Raine Johnstone as a director on 18 April 2024
Termination of appointment of Jeanette Burgess as a director on 18 April 2024
Termination of appointment of Thomas John Merrick as a director on 7 March 2024
Confirmation statement made on 27 July 2023 with no updates
Termination of appointment of Ian Daniel Cooper as a director on 24 July 2023
Director's details changed for Mr Adam Robert Freeman on 19 January 2023
Director's details changed for Mr Sheraz Afzal on 19 January 2023
Director's details changed for Ms Joanne Marie Davis on 19 January 2023
Director's details changed for Mr Mark Robert Fiander on 19 January 2023
Director's details changed for Mr Jason Wassell on 19 January 2023
Registered office address changed from Unit G5, Spring Mill Main Street Wilsden Bradford West Yorkshire BD15 0DX England to 11 Merus Court Meridian Business Park Leicester LE19 1RJ on 6 February 2023
Confirmation statement made on 27 July 2022 with no updates
Appointment of Mr Ian Daniel Cooper as a director on 1 June 2022
Appointment of Mr Jonathan Richard Gillespie as a director on 1 June 2022
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