Company Overview
Industrial Common Ownership Finance Limited is listed at the official companies registry as Active Private Limited By Guarantee Without Share Capital. The company was incorporated on Tuesday 17 April 1973, so this is a well established company. Industrial Common Ownership Finance Limited has been in business for 52 years and 11 months. The accounts status is group and the accounts are next due on Wednesday 30 September 2026.
Registered Address

1-3 Gloucester Road, Bishopston, Bristol, BS7 8AA
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Companies House Data
Company NameINDUSTRIAL COMMON OWNERSHIP FINANCE LIMITED
Company Number01109141
Registered Office Address1-3 Gloucester Road
 Bishopston
 BS7 8AA
Company CategoryPrivate Limited By Guarantee Without Share Capital
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date17/04/1973
Accounting Reference Date Day31
Accounting Reference Date Month12
Accounts Next Due Date30/09/2026
Accounts Last Made Up Date31/12/2024
Accounts Account CategoryGROUP
Returns Next Due Date01/06/2017
Returns Last Made Up Date04/05/2016
Previous Company NameChanged Date
INDUSTRIAL COMMON-OWNERSHIP FINANCE LIMITED01 Oct 2016
Directors & Members
Show Resigned
Gauthier Guerin - Director
(British, 40 years old, born June 1986)
Appointed 19 June 2025
 Active
Secretaries
Alain Demontoux - Secretary
Appointed 01 September 2010
 Active
Other Company Directorships
Gauthier Guerin
CATALYST COLLECTIVE LIMITED
INDUSTRIAL COMMON OWNERSHIP FUND PLC
Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Balance Sheet
Fixed Assets 349,813 349,813 332,554
Current Assets 3,761,831 3,761,831 4,239,411
Creditors Due Within One Year 1,828,247 1,828,247 2,232,578
Working Cap 1,933,584 1,933,584 2,006,833
Total Assets Less Current Liabilities 2,283,397 2,283,397 2,339,387
Long-term Liabilities 113,940 113,940 127,636
Net Assets 2,169,457 2,169,457 2,211,751
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 2,169,457 2,169,457 2,211,751
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Tangible Fixed Assets - - -
Fixed Assets 8.5% 8.5% 7.3%
Stocks Inventory - - -
Debtors 29.3% 29.3% 21.5%
Cash Bank In Hand 56.7% 56.7% 66.5%
Current Assets 91.5% 91.5% 92.7%
Creditors Due Within One Year 44.5% 44.5% 48.8%
Net Current Assets Liabilities 47.0% 47.0% 43.9%
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 52.8% 52.8% 48.4%
Capital Employed - - -
Total Assets Less Current Liabilities 55.5% 55.5% 51.2%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Liquidity Ratio 2.1 2.1 1.9
Solvency Ratio 2.1 2.1 1.9
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 1
Mortgages Outstanding 0
Mortgages Part Satisfied 0
Mortgages Satisfied 1
Assets and Debt Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Assets 4,111,644 4,111,644 4,571,965
Debt 1,942,187 1,942,187 2,360,214
Net Assets/Debt 2,169,457 2,169,457 2,211,751

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 has some deficiency. 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 has some deficiency. 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 has some deficiency. 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
Termination of appointment of Margarita Elizabeth Rodriguez-Piza as a director on 31 January 2026
Termination of appointment of Ruth Alice Buchanan as a director on 5 December 2025
Termination of appointment of Owen Dowsett as a director on 26 August 2025
Appointment of Mr Daniel Sean Kelly as a director on 19 June 2025
Appointment of Mr Gauthier Claude Guerin as a director on 19 June 2025
Director's details changed for Mr Gareth Nash on 18 June 2025
Appointment of Mr Mark Richard Simmonds as a director on 18 June 2025
Appointment of Mr Gareth Nash as a director on 18 June 2025
Registered office address changed from 195-197 Whiteladies Road, Clifton, Bristol, Whiteladies Road Bristol BS8 2SB England to 195 -197 Whiteladies Road Bristol BS8 2SB on 16 May 2025
Registered office address changed from 1-3 Gloucester Road Bishopston Bristol BS7 8AA England to 195-197 Whiteladies Road, Clifton, Bristol, Whiteladies Road Bristol BS8 2SB on 12 May 2025
Confirmation statement made on 4 May 2025 with no updates
Notification of a person with significant control statement
Cessation of Alain Demontoux as a person with significant control on 27 February 2025
Director's details changed for Mr Owen Dowsett on 16 October 2024
Appointment of Mr Owen Dowsett as a director on 16 October 2024
Termination of appointment of Owen Dowsett as a director on 16 October 2024
Termination of appointment of Dan Paul Holden as a director on 26 September 2024
Termination of appointment of Nankunda Katangaza as a director on 20 June 2024
Termination of appointment of Dominica Cole as a director on 20 June 2024
Confirmation statement made on 4 May 2024 with no updates
Appointment of Miss Ruth Alice Buchanan as a director on 5 October 2023
Termination of appointment of John Forbes as a director on 4 October 2023
Confirmation statement made on 4 May 2023 with no updates
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