Company Overview
Handf Finance Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Wednesday 02 April 1980, so this is a well established company. Handf Finance Limited has been in business for 46 years. The accounts status is total exemption full and the accounts are next due on Monday 30 November 2026.
Registered Address

23 Melford Drive, Maidstone, ME16 0UN
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Companies House Data
Company NameHANDF FINANCE LIMITED
Company Number01489012
Registered Office Address23 Melford Drive
 ME16 0UN
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date02/04/1980
Accounting Reference Date Day28
Accounting Reference Date Month2
Accounts Next Due Date30/11/2026
Accounts Last Made Up Date28/02/2025
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date28/01/2017
Returns Last Made Up Date31/12/2015
Directors & Members
Show Resigned
Kenneth Court - Director
(English, 81 years old, born June 1945)
Carol Court - Director
(English, 81 years old, born June 1945)
Benjamin Court - Director
(British, 50 years old, born March 1976)
Appointed 12 May 2022
 Active
Secretaries
Show Resigned
Benjamin Court - Secretary
Appointed 03 April 2017
 Active
Other Company Directorships
Kenneth Court
EASTERN COURT MANAGEMENT COMPANY LIMITED
EASTERN ROAD DEVELOPMENTS LIMITED
OLIVER COURT (FREEHOLD) LIMITED
Carol Court
No companies found
Benjamin Court
68 MILL ROAD MANAGEMENT COMPANY LIMITED
EASTERN COURT MANAGEMENT COMPANY LIMITED
EASTERN ROAD DEVELOPMENTS LIMITED
Balance Sheet Unlock full report
Accounts Date 28-Feb-2025 28-Feb-2023 28-Feb-2022
Balance Sheet
Fixed Assets 86,614 86,614 86,900
Current Assets 55,447,440 55,447,440 54,308,966
Creditors Due Within One Year 30,323,589 30,323,589 29,390,950
Working Cap 25,123,851 25,123,851 24,918,016
Total Assets Less Current Liabilities 25,210,465 25,210,465 25,004,916
Long-term Liabilities 0 0 0
Net Assets 25,210,465 25,210,465 25,004,916
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 25,210,465 25,210,465 25,004,916
Common Size Financial Analysis Unlock full report
Accounts Date 28-Feb-2025 28-Feb-2023 28-Feb-2022
Tangible Fixed Assets - - -
Fixed Assets 0.2% 0.2% 0.2%
Stocks Inventory - - -
Debtors 91.5% 91.5% 87.2%
Cash Bank In Hand 8.4% 8.4% 12.6%
Current Assets 99.8% 99.8% 99.8%
Creditors Due Within One Year 54.6% 54.6% 54.0%
Net Current Assets Liabilities 45.2% 45.2% 45.8%
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 45.4% 45.4% 46.0%
Capital Employed - - -
Total Assets Less Current Liabilities 45.4% 45.4% 46.0%
Financial Ratio Analysis Unlock full report
Accounts Date 28-Feb-2025 28-Feb-2023 28-Feb-2022
Liquidity Ratio 1.8 1.8 1.8
Solvency Ratio 1.8 1.8 1.9
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 11
Mortgages Outstanding 0
Mortgages Part Satisfied 0
Mortgages Satisfied 11
Assets and Debt Analysis Unlock full report
Accounts Date 28-Feb-2025 28-Feb-2023 28-Feb-2022
Assets 55,534,054 55,534,054 54,395,866
Debt 30,323,589 30,323,589 29,390,950
Net Assets/Debt 25,210,465 25,210,465 25,004,916

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 balance sheet indicates the net assets of a good sized company. 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. The balance sheet indicates the net assets of a good sized company. 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. The balance sheet indicates the net assets of a good sized company. 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 31 December 2025 with no updates
Satisfaction of charge 014890120012 in full
Confirmation statement made on 31 December 2024 with no updates
Registered office address changed from PO Box 1417 1417 Melford Drive Maidstone ME14 9TS England to 23 Melford Drive Maidstone ME16 0UN on 4 March 2024
Confirmation statement made on 31 December 2023 with no updates
Registered office address changed from Handf House 3 Decima Street Tower Bridge Road London SE1 4QR to PO Box 1417 1417 Melford Drive Maidstone ME14 9TS on 7 November 2023
Termination of appointment of David Kinane as a director on 18 May 2023
Confirmation statement made on 31 December 2022 with no updates
Appointment of Mr Benjamin Court as a director on 12 May 2022
Confirmation statement made on 31 December 2021 with no updates
Confirmation statement made on 31 December 2020 with no updates
Confirmation statement made on 31 December 2019 with no updates
Satisfaction of charge 014890120011 in full
Registration of charge 014890120012, created on 8 January 2019
Confirmation statement made on 31 December 2018 with no updates
Registration of charge 014890120011, created on 13 November 2018
Confirmation statement made on 31 December 2017 with no updates
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