Company Overview
Associated Credits Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Tuesday 28 October 1952, so this is a well established company. Associated Credits Limited has been in business for 73 years and 5 months. The accounts status is total exemption full and the accounts are next due on Wednesday 30 September 2026.
Registered Address

78 Blackburn St, Radcliffe Manchester, M26 2JW
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Companies House Data
Company NameASSOCIATED CREDITS LIMITED
Company Number00512745
Registered Office Address78 Blackburn St
 M26 2JW
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date28/10/1952
Accounting Reference Date Day31
Accounting Reference Date Month12
Accounts Next Due Date30/09/2026
Accounts Last Made Up Date31/12/2024
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date29/10/2016
Returns Last Made Up Date01/10/2015
Directors & Members
Show Resigned
Mark Whiting - Director
(British, 62 years old, born May 1964)
Appointed 02 November 1992
 Active
Russell Whiting - Director
(British, 60 years old, born August 1966)
Appointed 01 December 2010
 Active
Secretaries
Show Resigned
Mark Whiting - Secretary
Appointed 06 February 2024
 Active
Other Company Directorships
Mark Whiting
CAMAR INDUSTRIAL CREDITS LIMITED
CHRISTALEX INVESTMENTS LIMITED
COMMERCIAL ASSET FINANCE LIMITED
CORPORATE FLEET CARE FINANCE LIMITED
DARTSCORERS LIMITED
FIMDON ASSET FINANCE LIMITED
FIMDON COMMERCIAL LEASING LIMITED
FIMDON FINANCE LEASING LIMITED
FIMDON FINANCE LIMITED
FIMDON LEASING LIMITED
FIMDON MOTOR FINANCE LIMITED
FIMDON VEHICLE LEASING LIMITED
GOLDENTAN SOLARIUM LIMITED
PETER READ INVESTMENTS LIMITED
SCOTT ADAMSONS (SELF DRIVE) LIMITED
SCOTT ADAMSONS ASSOCIATES LIMITED
SCOTT ADAMSONS LIMITED
SCOTT ADAMSONS MANAGEMENT LIMITED
STAND MOTOR CO. LIMITED
STELMORE LTD
TRUKVAN AND CAR RENTALS LIMITED
VALDOR COMMERCIAL LEASING LIMITED
VALDOR HOLDINGS LIMITED
VALDOR INDUSTRIAL DEVELOPMENTS LIMITED
VISTAHURST LIMITED
Russell Whiting
ADLINGTON PLACE MANAGEMENT COMPANY LIMITED
ASSOCIATED CREDITS HOLDINGS LIMITED
CORPORATE FLEET CARE FINANCE LIMITED
FIMDON ASSET FINANCE LIMITED
FIMDON COMMERCIAL LEASING LIMITED
FIMDON FINANCE LEASING LIMITED
FIMDON FINANCE LIMITED
FIMDON MOTOR FINANCE LIMITED
FIMDON VEHICLE LEASING LIMITED
JAMES HALSTEAD PLC
PETER READ INVESTMENTS LIMITED
SCOTT ADAMSONS ASSOCIATES LIMITED
SCOTT ADAMSONS MANAGEMENT LIMITED
VALDOR COMMERCIAL LEASING LIMITED
VALDOR HOLDINGS LIMITED
VALDOR INDUSTRIAL DEVELOPMENTS LIMITED
VISTAHURST LIMITED
WRENWOOD GROUP FINANCE LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Balance Sheet
Fixed Assets 298,046 298,046 298,254
Current Assets 5,821,637 5,821,637 4,720,116
Creditors Due Within One Year 2,278,243 2,278,243 1,452,118
Working Cap 3,543,394 3,543,394 3,267,998
Total Assets Less Current Liabilities 3,841,440 3,841,440 3,566,252
Long-term Liabilities 1,645,322 1,645,322 1,438,207
Net Assets 2,196,118 2,196,118 2,128,045
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 2,196,118 2,196,118 2,128,045
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Tangible Fixed Assets - - -
Fixed Assets 4.9% 4.9% 5.9%
Stocks Inventory - - -
Debtors 70.3% 70.3% 92.7%
Cash Bank In Hand 24.8% 24.8% 1.4%
Current Assets 95.1% 95.1% 94.1%
Creditors Due Within One Year 37.2% 37.2% 28.9%
Net Current Assets Liabilities 57.9% 57.9% 65.1%
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 35.9% 35.9% 42.4%
Capital Employed - - -
Total Assets Less Current Liabilities 62.8% 62.8% 71.1%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Liquidity Ratio 2.6 2.6 3.3
Solvency Ratio 1.6 1.6 1.7
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 73
Mortgages Outstanding 67
Mortgages Part Satisfied 0
Mortgages Satisfied 6
Assets and Debt Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Assets 6,119,683 6,119,683 5,018,370
Debt 3,923,565 3,923,565 2,890,325
Net Assets/Debt 2,196,118 2,196,118 2,128,045

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. For the size of the company inferred by the balance sheet the level of net assets suggests a comfortable level of cover for total debts and obligations.

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. For the size of the company inferred by the balance sheet the level of net assets suggests a comfortable level of cover for total debts and obligations.   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. For the size of the company inferred by the balance sheet the level of net assets suggests a comfortable level of cover for total debts and obligations.

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
Confirmation statement made on 30 January 2026 with no updates
Director's details changed for Mr Russell Peter Whiting on 1 February 2025
Confirmation statement made on 30 January 2025 with no updates
Satisfaction of charge 2 in full
Cessation of Mark Ashley Whiting as a person with significant control on 23 April 2024
Notification of Valdor Holdings Limited as a person with significant control on 6 April 2016
Notification of Associated Credits Holding Limited as a person with significant control on 6 April 2016
Confirmation statement made on 30 January 2024 with no updates
Termination of appointment of Patricia Mary Foulkes as a secretary on 6 February 2024
Appointment of Mr Mark Ashley Whiting as a secretary on 6 February 2024
Confirmation statement made on 30 January 2023 with no updates
Director's details changed for Mr Russell Peter Whiting on 8 February 2023
Notification of Mark Ashley Whiting as a person with significant control on 8 February 2023
Cessation of Peter Francis Whiting as a person with significant control on 8 February 2023
Confirmation statement made on 30 January 2022 with no updates
Confirmation statement made on 30 January 2021 with no updates
Termination of appointment of Peter Francis Whiting as a director on 9 October 2020
Confirmation statement made on 30 January 2020 with no updates
Confirmation statement made on 1 October 2019 with updates
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