Company Overview
Romford Finance & Development Company Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Thursday 10 December 1959, so this is a well established company. Romford Finance & Development Company Limited has been in business for 66 years and 3 months. The accounts status is total exemption full and the accounts are next due on Wednesday 30 September 2026.
Registered Address

84 Market Place, Romford, Essex, RM1 3JE
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Companies House Data
Company NameROMFORD FINANCE & DEVELOPMENT COMPANY LIMITED
Company Number00644147
Registered Office Address84 Market Place
 Romford
 RM1 3JE
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date10/12/1959
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 Date28/10/2016
Returns Last Made Up Date30/09/2015
Directors & Members
Show Resigned
Nicholas Chaplin - Director
(British, 61 years old, born February 1965)
Appointed 31 May 1994
 Active
Ruth Chaplin - Director
(British, 60 years old, born November 1966)
Appointed 08 October 2019
 Active
Secretaries
Show Resigned
Nicholas Chaplin - Secretary
(British)
Appointed 16 October 2000
 Active
Other Company Directorships
Nicholas Chaplin
ALBERSLINKS LIMITED
HILBERY CHAPLIN LIMITED
HILBERY CHAPLIN RESIDENTIAL LIMITED
HILBERY CHAPLIN SURVEYORS LIMITED
LAND FINANCE & MORTGAGE CORPORATION LIMITED(THE)
MAYLANDS GREEN ESTATE CO.LIMITED
MAYLANDS GREEN LIMITED
ROMFORD CONSTRUCTION (WOODBRIDGE) LIMITED
ROMFORD CONSTRUCTION COMPANY LIMITED
TOGO HOMES LIMITED
WOOD LANDS (HUTTON MOUNT) LIMITED
Ruth Chaplin
ALBERSLINKS LIMITED
HILBERY CHAPLIN LIMITED
HILBERY CHAPLIN SURVEYORS LIMITED
LAND FINANCE & MORTGAGE CORPORATION LIMITED(THE)
MAYLANDS GREEN ESTATE CO.LIMITED
MAYLANDS GREEN LIMITED
ROMFORD CONSTRUCTION COMPANY LIMITED
THORNDON PARK GOLF CLUB,LIMITED
TOGO HOMES LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Balance Sheet
Fixed Assets 130,750 130,750 130,750
Current Assets 678,190 678,190 672,271
Creditors Due Within One Year 367,834 367,834 368,974
Working Cap 310,356 310,356 303,297
Total Assets Less Current Liabilities 441,106 441,106 434,047
Long-term Liabilities 24,472 24,472 24,472
Net Assets 416,634 416,634 409,575
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 416,634 416,634 409,575
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Tangible Fixed Assets - - -
Fixed Assets 16.2% 16.2% 16.3%
Stocks Inventory - - -
Debtors 82.2% 82.2% 82.4%
Cash Bank In Hand 1.7% 1.7% 1.3%
Current Assets 83.8% 83.8% 83.7%
Creditors Due Within One Year 45.5% 45.5% 45.9%
Net Current Assets Liabilities 38.4% 38.4% 37.8%
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 51.5% 51.5% 51.0%
Capital Employed - - -
Total Assets Less Current Liabilities 54.5% 54.5% 54.1%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Liquidity Ratio 1.8 1.8 1.8
Solvency Ratio 2.1 2.1 2.0
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 4
Mortgages Outstanding 0
Mortgages Part Satisfied 0
Mortgages Satisfied 4
Assets and Debt Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Assets 808,940 808,940 803,021
Debt 392,306 392,306 393,446
Net Assets/Debt 416,634 416,634 409,575

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
Other Business around RM1 3JE
ROMFORD CONSTRUCTION COMPANY LIMITED
84 MARKET PLACE, ROMFORD, ESSEX, RM1 3JE
MAYLANDS GREEN ESTATE CO.LIMITED
84 MARKET PLACE, ROMFORD, ESSEX, RM1 3JE
LAND FINANCE & MORTGAGE CORPORATION LIMITED(THE)
84 MARKET PLACE, ROMFORD, ESSEX, RM1 3JE
MAYLANDS GREEN LIMITED
84 MARKET PLACE, ROMFORD, ESSEX, RM1 3JE
ROMFORD CONSTRUCTION (WOODBRIDGE) LIMITED
84 MARKET PLACE, ROMFORD, ESSEX, RM1 3JE
TOGO HOMES LIMITED
84 MARKET PLACE, ROMFORD, ESSEX, RM1 3JE
HILBERY CHAPLIN LIMITED
84 MARKET PLACE, ROMFORD, ESSEX, RM1 3JE
ALBERSLINKS LIMITED
84 MARKET PLACE, ROMFORD, ESSEX, RM1 3JE
WOOD LANDS (HUTTON MOUNT) LIMITED
84 MARKET PLACE, ROMFORD, ESSEX, RM1 3JE
Document Filings
Confirmation statement made on 29 August 2025 with no updates
Confirmation statement made on 29 August 2024 with no updates
Memorandum and Articles of Association
Resolutions
Confirmation statement made on 29 August 2023 with no updates
Confirmation statement made on 29 August 2022 with no updates
Confirmation statement made on 30 September 2021 with no updates
Confirmation statement made on 30 September 2020 with no updates
Appointment of Mrs Ruth Mary Chaplin as a director on 8 October 2019
Confirmation statement made on 30 September 2019 with no updates
Termination of appointment of Malcolm Hilbery Chaplin as a director on 10 August 2019
Confirmation statement made on 30 September 2018 with no updates
Confirmation statement made on 30 September 2017 with no updates
Confirmation statement made on 30 September 2016 with updates
Annual return made up to 30 September 2015 with full list of shareholders
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