Company Overview
Roy Lowe & Sons Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Tuesday 13 August 1996, so this is a well established company. Roy Lowe & Sons Limited has been in business for 29 years and 7 months. The accounts status is small and the accounts are next due on Wednesday 30 September 2026.
Registered Address

The Sock Mine, Coxmoor Road, Sutton In Ashfield, Nottinghamshire, NG17 5LA
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Companies House Data
Company NameROY LOWE & SONS LIMITED
Company Number03237511
Registered Office AddressThe Sock Mine
 Coxmoor Road
 NG17 5LA
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date13/08/1996
Accounting Reference Date Day31
Accounting Reference Date Month12
Accounts Next Due Date30/09/2026
Accounts Last Made Up Date31/12/2024
Accounts Account CategorySMALL
Returns Next Due Date10/09/2016
Returns Last Made Up Date13/08/2015
Directors & Members
Show Resigned
Kelly Lowe - Director
(British, 35 years old, born September 1991)
Appointed 10 February 2020
 Active
Benjamin Lowe - Director
(British, 36 years old, born August 1990)
Appointed 10 February 2020
 Active
Steven Nowell - Director
(British, 55 years old, born November 1971)
Appointed 10 February 2020
 Active
Phillip Smith - Director
(British, 51 years old, born December 1975)
Appointed 10 February 2020
 Active
Hannah Smith - Director
(British, 33 years old, born February 1993)
Appointed 22 December 2022
 Active
Secretaries
Show Resigned
Steven Nowell - Secretary
Appointed 19 July 2021
 Active
Other Company Directorships
Kelly Lowe
No companies found
Benjamin Lowe
No companies found
Steven Nowell
TEVERSAL FOOTBALL CLUB LIMITED
Phillip Smith
No companies found
Hannah Smith
BENNAH PROPERTIES LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Balance Sheet
Fixed Assets 185,629 185,629 215,552
Current Assets 3,530,198 3,530,198 3,931,201
Creditors Due Within One Year 1,605,218 1,605,218 2,174,597
Working Cap 1,924,980 1,924,980 1,756,604
Total Assets Less Current Liabilities 2,110,609 2,110,609 1,972,156
Long-term Liabilities 45,211 45,211 40,949
Net Assets 2,065,398 2,065,398 1,931,207
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 2,065,398 2,065,398 1,931,207
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Tangible Fixed Assets - - -
Fixed Assets 5.0% 5.0% 5.2%
Stocks Inventory - - -
Debtors 46.5% 46.5% 58.7%
Cash Bank In Hand 27.4% 27.4% 23.8%
Current Assets 95.0% 95.0% 94.8%
Creditors Due Within One Year 43.2% 43.2% 52.4%
Net Current Assets Liabilities 51.8% 51.8% 42.4%
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 55.6% 55.6% 46.6%
Capital Employed - - -
Total Assets Less Current Liabilities 56.8% 56.8% 47.6%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Liquidity Ratio 2.2 2.2 1.8
Solvency Ratio 2.3 2.3 1.9
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 12
Mortgages Outstanding 3
Mortgages Part Satisfied 0
Mortgages Satisfied 9
Assets and Debt Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Assets 3,715,827 3,715,827 4,146,753
Debt 1,650,429 1,650,429 2,215,546
Net Assets/Debt 2,065,398 2,065,398 1,931,207

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 appeared positive. We would normally view a company positively for this. 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 appeared positive. We would normally view a company positively for this. 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 appeared positive. We would normally view a company positively for this. 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
Director's details changed for Mrs Hannah Marie Smith on 16 December 2025
Change of details for Mrs Hannah Marie Smith as a person with significant control on 16 December 2025
Confirmation statement made on 13 August 2025 with updates
Change of details for Miss Hannah Marie Smith as a person with significant control on 1 July 2025
Director's details changed for Ms Kelly Louise Lowe on 1 July 2025
Change of details for Miss Hannah Marie Lowe as a person with significant control on 1 July 2025
Confirmation statement made on 13 August 2024 with updates
Director's details changed for Miss Hannah Marie Lowe on 19 December 2023
Confirmation statement made on 13 August 2023 with updates
Purchase of own shares.
Cancellation of shares. Statement of capital on 27 March 2023
Cessation of Tim Lowe as a person with significant control on 27 March 2023
Cessation of Martin Lowe as a person with significant control on 27 March 2023
Notification of Kelly Louise Lowe as a person with significant control on 27 March 2023
Notification of Hannah Marie Lowe as a person with significant control on 27 March 2023
Notification of Benjamin Roy Lowe as a person with significant control on 27 March 2023
Termination of appointment of Tracey Lowe as a director on 27 March 2023
Termination of appointment of Louise Jayne Lowe as a director on 27 March 2023
Termination of appointment of Nina Lucy Lowe as a director on 27 March 2023
Termination of appointment of Martin Lowe as a director on 27 March 2023
Termination of appointment of Tim Lowe as a director on 27 March 2023
Registration of charge 032375110012, created on 22 March 2023
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