THE ASSOCIATION FOR REAL CHANGE Credit Check Report

Company Overview

The Association For Real Change is listed at the official companies registry as Active Private Limited By Guarantee Without Share Capital. The company was incorporated on Friday 13 August 1982, so this is a well established company. The Association For Real Change has been in business for 43 years and 7 months. The accounts status is small and the accounts are next due on Wednesday 31 December 2025.

Registered Address

10A Marsden Street, Chesterfield, S40 1JY

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Companies House Data

Company Name	THE ASSOCIATION FOR REAL CHANGE
Company Number	01658354
Registered Office Address	10a Marsden Street
	S40 1JY
Company Category	Private Limited By Guarantee Without Share Capital
Company Status	Active
Country of Origin	United Kingdom
Incorporation Date	13/08/1982
Accounting Reference Date Day	31
Accounting Reference Date Month	3
Accounts Next Due Date	31/12/2026
Accounts Last Made Up Date	31/03/2025
Accounts Account Category	SMALL
Returns Next Due Date	12/09/2016
Returns Last Made Up Date	15/08/2015

Directors & Members

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	David Adams - Director (British, 79 years old, born January 1947) Appointed 26 January 2007, Resigned 16 November 2009	Resigned
	Beryl Adams - Director (British, 76 years old, born February 1950)	Resigned
	Derek Ainsworth - Director (British, 94 years old, born September 1932)	Resigned
	Katie Allen - Director (British, 53 years old, born July 1973) Appointed 12 January 2012, Resigned 01 October 2019	Resigned
	Paul Ashton - Director (British, 70 years old, born August 1956) Appointed 09 March 2000, Resigned 31 March 2014	Resigned
	Catherine Baines - Director (British, 85 years old, born August 1941) Appointed 25 November 2006, Resigned 16 November 2009	Resigned
	Carol Barkwell - Director (British, 67 years old, born April 1959) Appointed 17 June 2010, Resigned 03 October 2013	Resigned
	John Bartle - Director (British, 76 years old, born April 1950) Appointed 09 November 2011, Resigned 16 March 2016	Resigned
	Paul Bartram - Director (British, 75 years old, born January 1951) Appointed 01 October 2001, Resigned 20 August 2004	Resigned
	Steven Bell - Director (British, 67 years old, born May 1959) Appointed 20 December 1991, Resigned 08 September 1993	Resigned
	Piet Blok - Director (Dutch, 90 years old, born June 1936) Appointed 08 September 1993, Resigned 26 October 1995	Resigned
	Brian Butler - Director (British, 91 years old, born October 1935)	Resigned
	Gary Bye - Director (British, 69 years old, born May 1957) Appointed 02 November 2005, Resigned 12 September 2017	Resigned
	Conan Carey - Director (British, 90 years old, born August 1936) Appointed 08 September 1993, Resigned 13 March 2001	Resigned
	David Congdon - Director (British, 77 years old, born October 1949) Appointed 01 August 2008, Resigned 16 November 2009	Resigned
	Stephen Cox - Director (Welsh, 67 years old, born September 1959) Appointed 16 October 2025	Active
	John Crawford - Director (British, 69 years old, born February 1957) Appointed 14 March 2017, Resigned 05 March 2020	Resigned
	Hilary Crowhurst - Director (British, 68 years old, born November 1958) Appointed 16 November 2009, Resigned 31 March 2014	Resigned
	Christopher Dowell-Bennett - Director (British, 63 years old, born May 1963) Appointed 09 November 2011, Resigned 28 October 2018	Resigned
	Jean Edwards - Director (British, 97 years old, born May 1929) Appointed 16 September 1992, Resigned 01 November 2000	Resigned
	David Emmerson - Director (British, 87 years old, born September 1939) Appointed 01 July 1991, Resigned 26 May 2000	Resigned
	Susannah Fahm - Director (British, 65 years old, born August 1961) Appointed 01 February 2011, Resigned 31 October 2013	Resigned
	Angela Ferguson - Director (Scottish, 50 years old, born August 1976) Appointed 27 September 2023	Active
	Keith Fitton - Director (British, 76 years old, born November 1950) Appointed 08 November 2000, Resigned 01 September 2003	Resigned
	Graeme Fitzsimmons - Director (Scottish, 48 years old, born June 1978) Appointed 30 September 2016, Resigned 01 October 2019	Resigned
	Eileen Flavelle - Director (British, 71 years old, born June 1955) Appointed 24 February 2009, Resigned 31 August 2010	Resigned
	Paul Fletcher - Director (British, 76 years old, born August 1950) Appointed 20 September 1994, Resigned 19 February 2002	Resigned
	Eric Geddes - Director (British, 73 years old, born July 1953) Appointed 20 September 1995, Resigned 08 November 2001	Resigned

Secretaries

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	Martin Anderson - Secretary Appointed 11 October 2019	Active
	Martin Anderson - Secretary Appointed 18 January 2015, Resigned 16 October 2015	Resigned
	Jacqueline Bell - Secretary Appointed 31 July 2012, Resigned 18 January 2015	Resigned
	Winston Churchill - Secretary (British)	Resigned
	Chris Dowell-Bennett - Secretary Appointed 28 October 2018, Resigned 11 October 2019	Resigned
	Maire Gallagher - Secretary Appointed 16 October 2015, Resigned 28 October 2018	Resigned
	Mark Gray - Secretary (British) Appointed 01 October 2010, Resigned 15 April 2011	Resigned

Other Company Directorships

Stephen Cox
FRIENDS OF PEDAL POWER PROJECT LTD
GLAMORGAN VOLUNTARY SERVICES
LEARNING DISABILITY WALES - ANABLEDD DYSGU CYMRU
MIRUS-WALES
POSITIVE IMAGES LTD
THE FRIENDLY TRUST
VALE CENTRE FOR VOLUNTARY SERVICES
VOLUNTARY ORGANISATIONS DISABILITY GROUP

Angela Ferguson
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Balance Sheet

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Common Size Financial Analysis

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Secured Creditors

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Public Record Information

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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

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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

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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

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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

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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)

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

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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

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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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	HIGH SPIRIT CEILINGS LIMITED 10 MARSDEN STREET, CHESTERFIELD, DERBYSHIRE, S40 1JY
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