CHELTENHAM & GLOUCESTER PLC Credit Check Report

Company Overview

Cheltenham & Gloucester Plc is listed at the official companies registry as Active Public Limited Company. The company was incorporated on Friday 23 September 1988, so this is a well established company. Cheltenham & Gloucester Plc has been in business for 37 years and 6 months. The accounts status is full and the accounts are next due on Tuesday 30 June 2026.

Registered Address

25 Gresham Street, London, EC2V 7HN

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Companies House Data

Company Name	CHELTENHAM & GLOUCESTER PLC
Company Number	02299428
Registered Office Address	25 Gresham Street
	EC2V 7HN
Company Category	Public Limited Company
Company Status	Active
Country of Origin	United Kingdom
Incorporation Date	23/09/1988
Accounting Reference Date Day	31
Accounting Reference Date Month	12
Accounts Next Due Date	30/06/2026
Accounts Last Made Up Date	31/12/2024
Accounts Account Category	FULL
Returns Next Due Date	28/01/2017
Returns Last Made Up Date	31/12/2015

Directors & Members

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	Paul Baker - Director (British, 70 years old, born May 1956) Appointed 14 August 2008, Resigned 01 September 2009	Resigned
	John Bays - Director (British, 84 years old, born January 1942) Appointed 21 July 1995, Resigned 28 February 2002	Resigned
	David Bennett - Director (British, 64 years old, born March 1962) Appointed 21 July 1995, Resigned 01 November 1996	Resigned
	Carlton Blackshaw - Director (British, 86 years old, born October 1940)	Resigned
	Alan Brindley - Director (British, 59 years old, born July 1967) Appointed 13 August 2015, Resigned 07 October 2016	Resigned
	Timothy Brookes - Director (English, 77 years old, born June 1949) Appointed 01 August 1995, Resigned 28 February 2002	Resigned
	Roger Burden - Director (British, 80 years old, born June 1946) Appointed 01 June 2003, Resigned 25 October 2004	Resigned
	Roger Burden - Director (British, 80 years old, born June 1946) Appointed 21 July 1995, Resigned 30 April 2003	Resigned
	Iain Cheyne - Director (British, 84 years old, born March 1942) Appointed 07 June 1994, Resigned 21 July 1995	Resigned
	Richard Clark - Director (British, 55 years old, born June 1971) Appointed 01 February 2024	Active
	John Davies - Director (British, 93 years old, born February 1933) Appointed 01 August 1995, Resigned 31 July 1998	Resigned
	Robert Fletcher - Director (British, 62 years old, born June 1964) Appointed 03 October 2014, Resigned 09 August 2023	Resigned
	Robert Froy - Director (British, 90 years old, born August 1936)	Resigned
	Mark Gibbard - Director (British, 65 years old, born August 1961) Appointed 01 February 1997, Resigned 30 November 2005	Resigned
	Mark Goodship - Director (British, 51 years old, born June 1975) Appointed 29 June 2023, Resigned 02 February 2024	Resigned
	Christopher Gowland - Director (British, 49 years old, born January 1977) Appointed 30 October 2015, Resigned 10 July 2023	Resigned
	Joy Griffiths - Director (New Zealand, 70 years old, born August 1956) Appointed 12 June 2007, Resigned 31 March 2009	Resigned
	Nicholas Hale - Director (British, 78 years old, born August 1948) Appointed 01 February 1997, Resigned 31 August 2006	Resigned
	Susan Harris - Director (British, 65 years old, born January 1961) Appointed 07 January 2008, Resigned 20 May 2009	Resigned
	Karen Hewitt - Director (British, 68 years old, born April 1958)	Resigned
	Ricky Hunkin - Director (British, 64 years old, born March 1962) Appointed 02 April 2004, Resigned 09 September 2005	Resigned
	Michael Kula - Director (American, 68 years old, born April 1958) Appointed 01 March 2010, Resigned 30 March 2011	Resigned
	Alasdair Lenman - Director (British, 57 years old, born December 1969) Appointed 01 March 2010, Resigned 07 September 2012	Resigned
	Andrew Longhurst - Director (British, 87 years old, born August 1939) Appointed 21 July 1995, Resigned 15 April 1998	Resigned
	John Maltby - Director (British, 64 years old, born January 1962) Appointed 14 August 2008, Resigned 23 November 2009	Resigned
	Roger Malvern - Director (British, 78 years old, born June 1948) Appointed 21 July 1995, Resigned 31 December 2003	Resigned
	Patrick Masserano - Director (American, 51 years old, born June 1975) Appointed 08 October 2012, Resigned 31 December 2013	Resigned
	Peter Minchin - Director (British, 94 years old, born March 1932)	Resigned

Secretaries

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	Paul Gittins - Secretary Appointed 25 November 2011, Resigned 31 July 2024	Resigned
	Stephanie Haladner - Secretary Appointed 31 July 2024	Active
	Michael Hatcher - Secretary (British)	Resigned
	Stephen Hopkins - Secretary (British) Appointed 20 July 1994, Resigned 03 January 1995	Resigned
	Donald Jones - Secretary (British) Appointed 21 July 1995, Resigned 01 November 1995	Resigned
	Angela Lockwood - Secretary Appointed 25 March 2010, Resigned 25 November 2011	Resigned
	Hans-Wolfgang Main - Secretary (British) Appointed 03 January 1995, Resigned 21 July 1995	Resigned

Other Company Directorships

Richard Clark
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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

Other Business around EC2V 7HN

	HILL SAMUEL BANK LIMITED 1 More London Place, London, EC2V 7HN
	LLOYDS BANK S.F. NOMINEES LIMITED 25 GRESHAM STREET, LONDON, EC2V 7HN
	RANELAGH NOMINEES LIMITED 25 GRESHAM STREET, LONDON, EC2V 7HN
	LLOYDS BANK (BRANCHES) NOMINEES LIMITED 1 More London Place, London, EC2V 7HN
	LLOYDS UDT LIMITED 1 More London Place, London, EC2V 7HN
	LLOYDS BANK FINANCIAL ADVISERS LIMITED 1 More London Place, London, EC2V 7HN
	LLOYDS BANK (STOCK EXCHANGE BRANCH) NOMINEES LIMITED 1 More London Place, London, EC2V 7HN
	LLOYDS BANK TRUSTEES LIMITED 25 Gresham Street, London, EC2V 7HN
	LLOYDS BANK GENERAL INSURANCE LIMITED 25 GRESHAM STREET, LONDON, EC2V 7HN
	UNITED DOMINIONS TRUST LIMITED 25 GRESHAM STREET, LONDON, EC2V 7HN

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