Company Overview
Finance-U-Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Tuesday 22 September 1987, so this is a well established company. Finance-U-Limited has been in business for 38 years and 6 months. The accounts status is total exemption full and the accounts are next due on Tuesday 31 March 2026.
Registered Address

18 The Paddocks, Penarth, S.Glamorgan, CF64 5BW
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Companies House Data
Company NameFINANCE-U-LIMITED
Company Number02167930
Registered Office Address18 The Paddocks
 Penarth
 CF64 5BW
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date22/09/1987
Accounting Reference Date Day30
Accounting Reference Date Month6
Accounts Next Due Date31/03/2027
Accounts Last Made Up Date30/06/2025
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date28/01/2017
Returns Last Made Up Date31/12/2015
Directors & Members
Show Resigned
Paul Humphries - Director
(British, 54 years old, born April 1972)
Appointed 08 August 2019
 Active
Graham Humphries - Director
(British, 82 years old, born October 1944)
Secretaries
Show Resigned
Other Company Directorships
Paul Humphries
ALL SITES DEVELOPMENT COMPANY LIMITED
AUTOS TRADE WALES LTD
C.P.G. (WALES) LIMITED
CENTRE DEVELOPMENTS LIMITED
CORNER PARK LIMITED
GJ CAR CLINIC LIMITED
KINGS COURT (WALES) LIMITED
MAINSHARE LIMITED
MOTOR CITY (WALES) LIMITED
MOTOR PARK LIMITED
PARK MOTORS LIMITED
PH CARS LTD
Graham Humphries
ALL SITES DEVELOPMENT COMPANY LIMITED
C.P.G. (WALES) LIMITED
CENTRE DEVELOPMENTS LIMITED
DETAILSECTION LIMITED
KINGS COURT (WALES) LIMITED
MAINSHARE LIMITED
MOTOR CITY (WALES) LIMITED
ORANGEMAZE LIMITED
REDSTAMP LIMITED
ROUNDCUP LIMITED
Balance Sheet Unlock full report
Accounts Date 30-Jun-2025 30-Jun-2022 30-Jun-2021
Balance Sheet
Fixed Assets 0 0 0
Current Assets 1,604,745 1,604,745 1,762,414
Creditors Due Within One Year 879,284 879,284 915,748
Working Cap 725,461 725,461 846,666
Total Assets Less Current Liabilities 725,461 725,461 846,666
Long-term Liabilities 58,912 58,912 177,956
Net Assets 666,549 666,549 668,710
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 666,549 666,549 668,710
Common Size Financial Analysis Unlock full report
Accounts Date 30-Jun-2025 30-Jun-2022 30-Jun-2021
Tangible Fixed Assets - - -
Fixed Assets 0.0% 0.0% 0.0%
Stocks Inventory - - -
Debtors 99.1% 99.1% 97.3%
Cash Bank In Hand 0.9% 0.9% 2.7%
Current Assets 100.0% 100.0% 100.0%
Creditors Due Within One Year 54.8% 54.8% 52.0%
Net Current Assets Liabilities 45.2% 45.2% 48.0%
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 41.5% 41.5% 37.9%
Capital Employed - - -
Total Assets Less Current Liabilities 45.2% 45.2% 48.0%
Financial Ratio Analysis Unlock full report
Accounts Date 30-Jun-2025 30-Jun-2022 30-Jun-2021
Liquidity Ratio 1.8 1.8 1.9
Solvency Ratio 1.7 1.7 1.6
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 28
Mortgages Outstanding 0
Mortgages Part Satisfied 0
Mortgages Satisfied 28
Assets and Debt Analysis Unlock full report
Accounts Date 30-Jun-2025 30-Jun-2022 30-Jun-2021
Assets 1,604,745 1,604,745 1,762,414
Debt 938,196 938,196 1,093,704
Net Assets/Debt 666,549 666,549 668,710

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
Confirmation statement made on 31 December 2025 with no updates
Confirmation statement made on 31 December 2024 with updates
All of the property or undertaking has been released and no longer forms part of charge 26
All of the property or undertaking has been released and no longer forms part of charge 021679300027
All of the property or undertaking has been released and no longer forms part of charge 021679300028
All of the property or undertaking has been released and no longer forms part of charge 25
Satisfaction of charge 24 in full
Satisfaction of charge 25 in full
Satisfaction of charge 26 in full
Satisfaction of charge 021679300028 in full
Satisfaction of charge 021679300027 in full
Confirmation statement made on 31 December 2023 with no updates
Change of details for Mr Graham Alexander Humphries as a person with significant control on 6 April 2016
Director's details changed for Mr Graham Alexander Humphries on 23 November 2023
Director's details changed for Mr Paul Alexander Humphries on 23 November 2023
Registered office address changed from 18 the Paddocks Penarth S.Glamorgan CF64 5BW to 18 the Paddocks Penarth S.Glamorgan CF64 5BW on 23 November 2023
Confirmation statement made on 31 December 2022 with no updates
Confirmation statement made on 31 December 2021 with no updates
Confirmation statement made on 31 December 2020 with no updates
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