Company Overview
Credit Services Association Limited is listed at the official companies registry as Active Private Limited By Guarantee Without Share Capital. The company was incorporated on Tuesday 24 July 1906, so this is a well established company. Credit Services Association Limited has been in business for 119 years and 8 months. The accounts status is small and the accounts are next due on Tuesday 31 March 2026.
Registered Address

2 Esh Plaza Sir Bobby Robson Way, Great Park, Newcastle Upon Tyne, NE13 9BA
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Companies House Data
Company NameCREDIT SERVICES ASSOCIATION LIMITED
Company Number00089614
Registered Office Address2 Esh Plaza Sir Bobby Robson Way
 Great Park
 NE13 9BA
Company CategoryPrivate Limited By Guarantee Without Share Capital
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date24/07/1906
Accounting Reference Date Day30
Accounting Reference Date Month6
Accounts Next Due Date31/03/2026
Accounts Last Made Up Date30/06/2024
Accounts Account CategorySMALL
Returns Next Due Date28/06/2017
Returns Last Made Up Date31/05/2016
Previous Company NameChanged Date
CREDIT SERVICES ASSOCIATION09 Mar 2018
Directors & Members
Show Resigned
Susan Bain - Director
(British, 50 years old, born October 1976)
Appointed 27 February 2025
 Active
Samantha Barnard - Director
(British, 52 years old, born March 1974)
Appointed 27 February 2025
 Active
Daniela Ferrer Francisco - Director
(Brazilian,Spanish, 46 years old, born January 1980)
Appointed 26 February 2026
 Active
Craig Hinchliffe - Director
(British, 44 years old, born August 1982)
Appointed 19 March 2020
 Active
Desmond Hudson - Director
(British, 71 years old, born October 1955)
Appointed 27 February 2025
 Active
Secretaries
Show Resigned
Other Company Directorships
Susan Bain
No companies found
Samantha Barnard
No companies found
Daniela Ferrer Francisco
No companies found
Craig Hinchliffe
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Balance Sheet Unlock full report
Accounts Date 30-Jun-2024 30-Jun-2022 30-Jun-2021
Balance Sheet
Fixed Assets 5,519 5,519 7,522
Current Assets 841,127 841,127 905,271
Creditors Due Within One Year 832,994 832,994 774,039
Working Cap 8,133 8,133 131,232
Total Assets Less Current Liabilities 13,652 13,652 138,754
Long-term Liabilities 0 0 0
Net Assets 13,652 13,652 138,754
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 13,652 13,652 138,754
Common Size Financial Analysis Unlock full report
Accounts Date 30-Jun-2024 30-Jun-2022 30-Jun-2021
Tangible Fixed Assets - - -
Fixed Assets 0.7% 0.7% 0.8%
Stocks Inventory - - -
Debtors 69.6% 69.6% 56.9%
Cash Bank In Hand 29.7% 29.7% 42.2%
Current Assets 99.3% 99.3% 99.2%
Creditors Due Within One Year 98.4% 98.4% 84.8%
Net Current Assets Liabilities 1.0% 1.0% 14.4%
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 1.6% 1.6% 15.2%
Capital Employed - - -
Total Assets Less Current Liabilities 1.6% 1.6% 15.2%
Financial Ratio Analysis Unlock full report
Accounts Date 30-Jun-2024 30-Jun-2022 30-Jun-2021
Liquidity Ratio 1.0 1.0 1.2
Solvency Ratio 1.0 1.0 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 30-Jun-2024 30-Jun-2022 30-Jun-2021
Assets 846,646 846,646 912,793
Debt 832,994 832,994 774,039
Net Assets/Debt 13,652 13,652 138,754

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 current section of the balance sheet has positive working capital. We would normally consider this positively. Total reserves including retained profitability and movement in reserves has some deficiency. The balance sheet presents modest net assets. For the size of the company as inferred by the balance sheet the amount of net assets represents a slender margin of cover over total debts and obligations. The latest accounts are not up-to-date. Later accounts are now overdue. Late filing is not a positive factor. Analysis based on the latest figures available must be taken in the context that the figures are not up-to-date.

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 current section of the balance sheet has positive working capital. We would normally consider this positively. Total reserves including retained profitability and movement in reserves has some deficiency. The balance sheet presents modest net assets. For the size of the company as inferred by the balance sheet the amount of net assets represents a slender margin of cover over total debts and obligations. The latest accounts are not up-to-date. Later accounts are now overdue. Late filing is not a positive factor. Analysis based on the latest figures available must be taken in the context that the figures are not up-to-date.   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 current section of the balance sheet has positive working capital. We would normally consider this positively. Total reserves including retained profitability and movement in reserves has some deficiency. The balance sheet presents modest net assets. For the size of the company as inferred by the balance sheet the amount of net assets represents a slender margin of cover over total debts and obligations. The latest accounts are not up-to-date. Later accounts are now overdue. Late filing is not a positive factor. Analysis based on the latest figures available must be taken in the context that the figures are not up-to-date.

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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FUTURE ENERGY(SUPPLY) LTD
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FUTURE ENERGY(SERVICES) LTD
2 Esh Plaza Sir Bobby Robson Way, Great Park, Newcastle Upon Tyne, NE13 9BA
ROCKET 9 LIMITED
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Document Filings
Appointment of Mrs Daniela Ferrer Francisco as a director on 26 February 2026
Appointment of Mrs Samantha Danielle Reed as a director on 26 February 2026
Director's details changed for Mrs Yvonne Jean Klimaytys on 23 October 2025
Director's details changed for Mrs Yvonne Jean Macdermid on 22 August 2025
Termination of appointment of James Alexander William Appleby as a director on 3 November 2025
Termination of appointment of Frank Horvath as a director on 12 August 2025
Confirmation statement made on 31 May 2025 with no updates
Appointment of Mr Desmond Gerard Hudson as a director on 27 February 2025
Appointment of Mrs Samantha Barnard as a director on 27 February 2025
Appointment of Mrs Claire Louise Moore as a director on 27 February 2025
Appointment of Mr Jaime Andrew Nuwar-Graham as a director on 27 February 2025
Appointment of Miss Susan Bain as a director on 27 February 2025
Appointment of Mr Stuart John Webb as a director on 27 February 2025
Termination of appointment of Joanne Cowens as a director on 27 February 2025
Termination of appointment of Nicholas John Cherry as a director on 27 February 2025
Termination of appointment of Thomas Orlando Chandos as a director on 27 February 2025
Termination of appointment of Robert John Sands as a director on 2 September 2024
Termination of appointment of Sarah Jane Whiteley as a director on 11 August 2024
Termination of appointment of Timothy Rupert Anson as a director on 30 June 2024
Confirmation statement made on 31 May 2024 with no updates
Second filing for the appointment of Mr Frank Horvath as a director
Confirmation statement made on 31 May 2023 with no updates
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