Company Overview
Nco Europe Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Monday 06 November 1995, so this is a well established company. Nco Europe Limited has been in business for 30 years and 4 months. The accounts status is full and the accounts are next due on Wednesday 30 September 2026.
Registered Address

New City House, 57-63 Ringway, Preston, Lancs, PR1 1AF
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Companies House Data
Company NameNCO EUROPE LIMITED
Company Number03122581
Registered Office AddressNew City House
 57-63 Ringway
 PR1 1AF
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date06/11/1995
Accounting Reference Date Day31
Accounting Reference Date Month12
Accounts Next Due Date30/09/2026
Accounts Last Made Up Date31/12/2024
Accounts Account CategoryFULL
Returns Next Due Date04/12/2016
Returns Last Made Up Date06/11/2015
Previous Company NameChanged Date
RISK MANAGEMENT ALTERNATIVES INTERNATIONAL LIMITED03 Jan 2006
Directors & Members
Show Resigned
Sonya Bilsborough - Director
(British, 57 years old, born August 1969)
Appointed 24 November 2014
 Active
Nick Ford - Director
(British, 59 years old, born October 1967)
Appointed 12 September 2005
 Active
Secretaries
Show Resigned
Other Company Directorships
Sonya Bilsborough
NCO HOLDINGS LTD
Nick Ford
ANGELS VENTURES LIMITED
COMPLETE CREDIT MANAGEMENT LIMITED
NCO FINANCIAL SERVICES (UK) LIMITED
NCO PORTFOLIO EUROPE LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2021 31-Dec-2020
Balance Sheet
Fixed Assets 1,386 1,386 1,066
Current Assets 8,549 8,549 8,160
Creditors Due Within One Year 5,382 5,382 3,536
Working Cap 3,167 3,167 4,624
Total Assets Less Current Liabilities 4,553 4,553 5,690
Long-term Liabilities 299 299 239
Net Assets 4,254 4,254 5,451
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 4,254 4,254 5,451
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2021 31-Dec-2020
Tangible Fixed Assets - - -
Fixed Assets 14.0% 14.0% 11.6%
Stocks Inventory - - -
Debtors 62.8% 62.8% 58.0%
Cash Bank In Hand 23.3% 23.3% 30.4%
Current Assets 86.0% 86.0% 88.4%
Creditors Due Within One Year 54.2% 54.2% 38.3%
Net Current Assets Liabilities 31.9% 31.9% 50.1%
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 42.8% 42.8% 59.1%
Capital Employed - - -
Total Assets Less Current Liabilities 45.8% 45.8% 61.7%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2021 31-Dec-2020
Liquidity Ratio 1.6 1.6 2.3
Solvency Ratio 1.7 1.7 2.4
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 1
Mortgages Outstanding 1
Mortgages Part Satisfied 0
Mortgages Satisfied 0
Assets and Debt Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2021 31-Dec-2020
Assets 9,935 9,935 9,226
Debt 5,681 5,681 3,775
Net Assets/Debt 4,254 4,254 5,451

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 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. The balance sheet presents modest net assets. 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. The balance sheet presents modest net assets. 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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ICE BLUE DEVELOPMENTS LIMITED
1 Cottam Lane Business Centre Cottam Lane, Ashton, Preston, Lancashire, PR1 1AF
ALORICA UK LIMITED
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Document Filings
Confirmation statement made on 4 November 2025 with no updates
Director's details changed for Mr Nick John Ford on 16 July 2024
Confirmation statement made on 4 November 2024 with no updates
Director's details changed for Mr Nick John Ford on 14 June 2024
Director's details changed for Mr Nick John Ford on 28 May 2024
Director's details changed for Ms Sonya Bernadette Bilsborough on 28 May 2024
Director's details changed for Ms Sonya Bernadette Bilsborough on 28 May 2024
Confirmation statement made on 4 November 2023 with no updates
Confirmation statement made on 4 November 2022 with no updates
Confirmation statement made on 4 November 2021 with no updates
Director's details changed for Ms Sonya Bernadette Bilsborough on 29 September 2021
Director's details changed for Mr Nick John Ford on 17 June 2021
Confirmation statement made on 4 November 2020 with no updates
Confirmation statement made on 4 November 2019 with updates
Notification of Nco Holdings Ltd as a person with significant control on 1 February 2019
Cessation of Nicholas John Ford as a person with significant control on 24 September 2019
Notification of Nicholas John Ford as a person with significant control on 1 February 2019
Cessation of Alorica Uk Limited as a person with significant control on 1 February 2019
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