Company Overview
Investacc Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Monday 01 June 1992, so this is a well established company. Investacc Limited has been in business for 31 years and 11 months. The accounts status is full and the accounts are next due on Wednesday 31 July 2024.
Registered Address

Unit 2 The Sidings, Port Road Business Park, Carlisle, Cumbria, CA2 7AF
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Companies House Data
Company NameINVESTACC LIMITED
Company Number02719226
Registered Office AddressUnit 2 The Sidings
 Port Road Business Park
 CA2 7AF
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date01/06/1992
Accounting Reference Date Day31
Accounting Reference Date Month10
Accounts Next Due Date31/07/2024
Accounts Last Made Up Date31/10/2022
Accounts Account CategoryFULL
Returns Next Due Date28/06/2017
Returns Last Made Up Date31/05/2016
Directors & Members
Show Resigned
Julia Barnes - Director
(British, 55 years old, born March 1969)
Ifa - Appointed 16 May 2002
 Active
Nicholas Gardner - Director
(British, 61 years old, born May 1963)
Independant Financial Advisor - Appointed 27 August 1992
 Active
Gary Mirfin - Director
(British, 63 years old, born May 1961)
Financial Adviser - Appointed 01 November 2009
 Active
Secretaries
Show Resigned
Julia Barnes - Secretary
(British)
Director - Appointed 13 January 2003
 Active
Other Company Directorships
Julia Barnes
INVESTACC GROUP LIMITED
INVESTACC PENSION ADMINISTRATION LIMITED
INVESTACC PENSION TRUSTEES LIMITED
INVESTACC PROPERTIES LIMITED
INVESTACC WEALTH MANAGEMENT LIMITED
Nicholas Gardner
A.T.C. FINANCIAL MANAGEMENT LIMITED
CASTLEGATE FINANCIAL MANAGEMENT LIMITED
CASTLEGATE INDEPENDENT FINANCIAL ADVISERS LIMITED
CASTLEGATE PENSION ADMINISTRATION LIMITED
CASTLEGATE SOUTHERN LIMITED
CASTLEGATE TRUSTEES LIMITED
CHARTFORD FINANCIAL MANAGEMENT LIMITED
DAVID ALLEN FINANCIAL SERVICES (DALSTON) LIMITED
DS FINANCIAL MANAGEMENT LIMITED
HGH WEALTH MANAGEMENT LIMITED
INVESTACC GROUP LIMITED
INVESTACC PENSION ADMINISTRATION LIMITED
INVESTACC PENSION TRUSTEES LIMITED
INVESTACC PROPERTIES LIMITED
INVESTACC WEALTH MANAGEMENT LIMITED
MT FINANCIAL MANAGEMENT LIMITED
NEWPORTE FINANCIAL MANAGEMENT LIMITED
TURNBULL ASSOCIATES LIMITED
Gary Mirfin
INVESTACC GROUP LIMITED
INVESTACC PENSION ADMINISTRATION LIMITED
INVESTACC PENSION TRUSTEES LIMITED
INVESTACC PROPERTIES LIMITED
INVESTACC WEALTH MANAGEMENT LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Oct-2022 31-Oct-2021 31-Oct-2020
Balance Sheet
Fixed Assets 645 645 651
Current Assets 347,623 347,623 282,061
Creditors Due Within One Year 130,401 130,401 107,867
Working Cap 217,222 217,222 174,194
Total Assets Less Current Liabilities 217,867 217,867 174,845
Long-term Liabilities 195,645 195,645 152,623
Net Assets 22,222 22,222 22,222
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 22,222 22,222 22,222
Common Size Financial Analysis Unlock full report
Accounts Date 31-Oct-2022 31-Oct-2021 31-Oct-2020
Tangible Fixed Assets - - -
Fixed Assets 0.2% 0.2% 0.2%
Stocks Inventory - - -
Debtors 10.7% 10.7% 8.6%
Cash Bank In Hand 89.1% 89.1% 91.2%
Current Assets 99.8% 99.8% 99.8%
Creditors Due Within One Year 37.4% 37.4% 38.2%
Net Current Assets Liabilities 62.4% 62.4% 61.6%
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 6.4% 6.4% 7.9%
Capital Employed - - -
Total Assets Less Current Liabilities 62.6% 62.6% 61.8%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Oct-2022 31-Oct-2021 31-Oct-2020
Liquidity Ratio 2.7 2.7 2.6
Solvency Ratio 1.1 1.1 1.1
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 161
Mortgages Outstanding 6
Mortgages Part Satisfied 0
Mortgages Satisfied 155
Assets and Debt Analysis Unlock full report
Accounts Date 31-Oct-2022 31-Oct-2021 31-Oct-2020
Assets 348,268 348,268 282,712
Debt 326,046 326,046 260,490
Net Assets/Debt 22,222 22,222 22,222

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. The balance sheet presents modest net assets. For the size of the company as inferred by the balance sheet the amount of net assets represents a moderate margin of cover over 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. The balance sheet presents modest net assets. For the size of the company as inferred by the balance sheet the amount of net assets represents a moderate margin of cover over 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. The balance sheet presents modest net assets. For the size of the company as inferred by the balance sheet the amount of net assets represents a moderate margin of cover over 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
Other Business around CA2 7AF
INVESTACC GROUP LIMITED
SOLWAY HOUSE BUSINESS PARK, KINGSTOWN, CARLISLE, CA2 7AF
ASHLEA VETERINARY CENTRE LIMITED
Unit 2b Port Road Business Park, Port Road, Carlisle, Cumbria, CA2 7AF
INVESTACC PROPERTIES LIMITED
SOLWAY HOUSE BUSINESS PARK, KINGSTOWN, CARLISLE, CA2 7AF
INVESTACC PENSION TRUSTEES LIMITED
SOLWAY HOUSE BUSINESS PARK, KINGSTOWN, CARLISLE, CA2 7AF
INVESTACC PENSION ADMINISTRATION LIMITED
SOLWAY HOUSE BUSINESS PARK, KINGSTOWN, CARLISLE, CA2 7AF
VESTA WEALTH LIMITED
MINERVA HOUSE, PORT ROAD BUSINESS PARK, CARLISLE, CUMBRIA, CA2 7AF
J & J DICKINSON LIMITED
8c Port Road Business Park, Carlisle, Cumbria, CA2 7AF
A.T.C. FINANCIAL MANAGEMENT LIMITED
Minerva House, Port Road Business Park, Carlisle, CA2 7AF
Document Filings
Confirmation statement made on 11 May 2023 with no updates
Satisfaction of charge 118 in full
Satisfaction of charge 76 in full
Satisfaction of charge 156 in full
Confirmation statement made on 11 May 2022 with no updates
Satisfaction of charge 157 in full
Satisfaction of charge 82 in full
Satisfaction of charge 140 in full
Satisfaction of charge 64 in full
Registered office address changed from Minerva House Port Road Business Park Carlisle Cumbria CA2 7AF to Unit 2 the Sidings Port Road Business Park Carlisle Cumbria CA2 7AF on 12 May 2021
Confirmation statement made on 11 May 2021 with no updates
Satisfaction of charge 39 in full
Satisfaction of charge 38 in full
Satisfaction of charge 84 in full
Confirmation statement made on 13 May 2020 with no updates
Satisfaction of charge 83 in full
Satisfaction of charge 63 in full
Satisfaction of charge 110 in full
Satisfaction of charge 13 in full
Satisfaction of charge 148 in full
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