Company Overview
Time Vendor Finance Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Thursday 19 March 1987, so this is a well established company. Time Vendor Finance Limited has been in business for 39 years. The accounts status is full and the accounts are next due on Saturday 28 February 2026.
Registered Address

2Nd Floor St. James House Lower Bristol Road, The Square, Bath, BA2 3BH
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Companies House Data
Company NameTIME VENDOR FINANCE LIMITED
Company Number02112280
Registered Office Address2nd Floor St. James House Lower Bristol Road
 The Square
 BA2 3BH
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date19/03/1987
Accounting Reference Date Day31
Accounting Reference Date Month5
Accounts Next Due Date28/02/2027
Accounts Last Made Up Date31/05/2025
Accounts Account CategoryFULL
Returns Next Due Date28/06/2017
Returns Last Made Up Date31/05/2016
Previous Company NameChanged Date
ACADEMY LEASING LIMITED08 Dec 2020
Directors & Members
Show Resigned
Edward Rimmer - Director
(British, 54 years old, born July 1972)
Appointed 22 February 2021
 Active
James Roberts - Director
(British, 49 years old, born September 1977)
Appointed 02 May 2017
 Active
Secretaries
Show Resigned
James Roberts - Secretary
Appointed 14 April 2022
 Active
Other Company Directorships
Edward Rimmer
1PM (UK) LIMITED
ACADEMY LEASING LIMITED
BELL FINANCE LIMITED
BIBBY UK TRAVEL
BRADGATE BUSINESS FINANCE LIMITED
CAR FINANCE 2U LTD
CHILTON WILLIAMS LIMITED
CLOCK FINANCE LIMITED
GENER8 FINANCE HOLDINGS LIMITED
GENER8 FINANCE LIMITED
INTELLIGENT FINANCING LIMITED
ONEPM COMMERCIAL FINANCE LIMITED
POSITIVE CASH FLOW FINANCE LIMITED
POSITIVE CASHFLOW FINANCE (HOLDINGS) LIMITED
STERLING ASSET FINANCE (UK) LTD
SYSTEM TRAINING LIMITED
TIME BROKER FINANCE LIMITED
TIME COMMERCIAL FINANCE LIMITED
TIME FINANCE PLC
TIME HARD ASSET FINANCE LIMITED
TIME INVOICE FINANCE (SOUTH) LIMITED
TIME INVOICE FINANCE LIMITED
TIME LOAN FINANCE LIMITED
TIME PROPERTY FINANCE LIMITED
TIME VEHICLE FINANCE LIMITED
James Roberts
1PM (UK) LIMITED
ACADEMY LEASING LIMITED
BELL FINANCE LIMITED
BRADGATE BUSINESS FINANCE LIMITED
CHILTON WILLIAMS LIMITED
CLOCK FINANCE LIMITED
GENER8 FINANCE HOLDINGS LIMITED
GENER8 FINANCE LIMITED
INTELLIGENT FINANCING LIMITED
MH HOLDINGS (UK) LIMITED
ONEPM COMMERCIAL FINANCE LIMITED
POSITIVE CASH FLOW FINANCE LIMITED
POSITIVE CASHFLOW FINANCE (HOLDINGS) LIMITED
SPEAKERTONE LIMITED
STERLING ASSET FINANCE (UK) LTD
TIME BROKER FINANCE LIMITED
TIME COMMERCIAL FINANCE LIMITED
TIME FINANCE PLC
TIME HARD ASSET FINANCE LIMITED
TIME INVOICE FINANCE (SOUTH) LIMITED
TIME INVOICE FINANCE LIMITED
TIME LOAN FINANCE LIMITED
TIME PROPERTY FINANCE LIMITED
TIME VEHICLE FINANCE LIMITED
Balance Sheet Unlock full report
Accounts Date 31-May-2025 31-May-2016 31-May-2015
Balance Sheet
Fixed Assets 11,292,612 11,292,612 8,610,584
Current Assets 9,386,546 9,386,546 7,829,518
Creditors Due Within One Year 6,843,561 6,843,561 5,987,911
Working Cap 2,542,985 2,542,985 1,841,607
Total Assets Less Current Liabilities 13,835,597 13,835,597 10,452,191
Long-term Liabilities 8,003,262 8,003,262 6,385,611
Net Assets 5,832,335 5,832,335 4,066,580
Share Capital & Reserves
Share Cap 585,100 585,100 585,100
Profit & Loss Reserves 5,247,235 5,247,235 3,481,480
Other Reserves 0 0 0
Shareholders Funds 5,832,335 5,832,335 4,066,580
Common Size Financial Analysis Unlock full report
Accounts Date 31-May-2025 31-May-2016 31-May-2015
Tangible Fixed Assets - - -
Fixed Assets 54.6% 54.6% 52.4%
Stocks Inventory 0.0% 0.0% 0.0%
Debtors 30.3% 30.3% 33.6%
Cash Bank In Hand 2.5% 2.5% 2.9%
Current Assets 45.4% 45.4% 47.6%
Creditors Due Within One Year 33.1% 33.1% 36.4%
Net Current Assets Liabilities 12.3% 12.3% 11.2%
Creditors Due After One Year 38.7% 38.7% 38.8%
Accruals Deferred Income - - -
Provisions For Liabilities Charges - - -
Net Assets Liabilities Including Pension Asset Liability 28.2% 28.2% 24.7%
Called Up Share Capital 2.8% 2.8% 3.6%
Share Capital Allotted Called Up Paid 2.8% 2.8% 3.6%
Profit Loss Account Reserve 25.4% 25.4% 21.2%
Shareholder Funds 28.2% 28.2% 24.7%
Capital Employed - - -
Total Assets Less Current Liabilities 66.9% 66.9% 63.6%
Financial Ratio Analysis Unlock full report
Accounts Date 31-May-2025 31-May-2016 31-May-2015
Liquidity Ratio 1.4 1.4 1.3
Solvency Ratio 1.4 1.4 1.3
Reserves to Assets 0.3 0.3 0.2
Secured Creditors Unlock full report
Mortgages Charges 86
Mortgages Outstanding 19
Mortgages Part Satisfied 0
Mortgages Satisfied 67
Assets and Debt Analysis Unlock full report
Accounts Date 31-May-2025 31-May-2016 31-May-2015
Assets 20,679,158 20,679,158 16,440,102
Debt 14,846,823 14,846,823 12,373,522
Net Assets/Debt 5,832,335 5,832,335 4,066,580

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 current section of the balance sheet has positive working capital. We would normally consider this positively. Total reserves including retained profitability and movement in reserves appeared positive. We would normally view a company positively for this. The amount of net assets suggests sufficient cover for total debts and obligations for the size of the company inferred by the balance sheet.

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 current section of the balance sheet has positive working capital. We would normally consider this positively. Total reserves including retained profitability and movement in reserves appeared positive. We would normally view a company positively for this. The amount of net assets suggests sufficient cover for total debts and obligations for the size of the company inferred by the balance sheet.   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 current section of the balance sheet has positive working capital. We would normally consider this positively. Total reserves including retained profitability and movement in reserves appeared positive. We would normally view a company positively for this. The amount of net assets suggests sufficient cover for total debts and obligations for the size of the company inferred by the balance sheet.

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 BA2 3BH
MH HOLDINGS (UK) LIMITED
2nd Floor St. James House Lower Bristol Road, The Square, Bath, BA2 3BH
HANOVER HOUSE (BATH) LIMITED
HANOVER HOUSE THE SQUARE, LOWER BRISTOL ROAD, BATH, BA2 3BH
STERLING CAPITAL ASSET FINANCE LIMITED
HANOVER HOUSE THE SQUARE, LOWER BRISTOL ROAD, BATH, BA2 3BH
POSITIVE CASHFLOW FINANCE (HOLDINGS) LIMITED
2nd Floor, St James House The Square, Lower Bristol Road, Bath, BA2 3BH
BELL FINANCE LIMITED
2nd Floor, St James House, The Square, Lower Bristol Road, Bath, BA2 3BH
TIME HARD ASSET FINANCE LIMITED
2ND FLOOR, ST. JAMES HOUSE THE SQUARE, LOWER BRISTOL ROAD, BATH, BA2 3BH
ARIA NETWORKS LIMITED
Office D, Beresford House, Town Quay, Southampton, BA2 3BH
TIME BROKER FINANCE LIMITED
2ND FLOOR, ST JAMES HOUSE THE SQUARE, LOWER BRISTOL ROAD, BATH, BA2 3BH
SPEAKERTONE LIMITED
2nd Floor St. James House Lower Bristol Road, The Sqaure, Bath, BA2 3BH
TIME FINANCE PLC
2ND FLOOR, ST JAMES HOUSE THE SQUARE, LOWER BRISTOL ROAD, BATH, BA2 3BH
Document Filings
Confirmation statement made on 7 May 2025 with no updates
Registration of charge 021122800086, created on 12 September 2024
Confirmation statement made on 7 May 2024 with no updates
Change of details for Time Finance Plc as a person with significant control on 28 July 2016
Registration of charge 021122800085, created on 21 July 2023
Registration of charge 021122800084, created on 18 May 2023
Confirmation statement made on 7 May 2023 with no updates
Registration of charge 021122800083, created on 23 September 2022
Change of details for Speakertone Limited as a person with significant control on 3 September 2020
Confirmation statement made on 7 May 2022 with updates
Appointment of Mr James Matthew Arthur Roberts as a secretary on 14 April 2022
Termination of appointment of Jennifer Bodey as a secretary on 14 April 2022
Confirmation statement made on 7 May 2021 with no updates
Termination of appointment of Richard Ian Smith as a director on 27 February 2021
Appointment of Mr Edward John Rimmer as a director on 22 February 2021
Resolutions
Change of name notice
Confirmation statement made on 7 May 2020 with no updates
Termination of appointment of Edward John Rimmer as a director on 30 April 2020
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