Company Overview
Individual Savings Accounts Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Thursday 22 May 1997, so this is a well established company. Individual Savings Accounts Limited has been in business for 28 years and 10 months. The accounts status is small and the accounts are next due on Sunday 31 May 2026.
Registered Address

16 High Street, Kegworth, Derbyshire, DE74 2DA
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Companies House Data
Company NameINDIVIDUAL SAVINGS ACCOUNTS LIMITED
Company Number03375108
Registered Office Address16 High Street
 Kegworth
 DE74 2DA
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date22/05/1997
Accounting Reference Date Day31
Accounting Reference Date Month8
Accounts Next Due Date31/05/2026
Accounts Last Made Up Date31/08/2024
Accounts Account CategorySMALL
Returns Next Due Date19/06/2017
Returns Last Made Up Date22/05/2016
Directors & Members
Show Resigned
Mark Betts - Director
(British, 53 years old, born December 1973)
Appointed 11 June 2007
 Active
Hardev Singh - Director
(British, 64 years old, born May 1962)
Appointed 04 February 2016
 Active
Secretaries
Show Resigned
Other Company Directorships
Mark Betts
CHAPEL BAR SECURITIES LIMITED
EXPATRIATE ADVISORY SERVICES LIMITED
LIAISON LIFE INSURANCE AND INVESTMENT SERVICES OF NOTTINGHAM LIMITED
LIFETIME INDIVIDUAL SAVINGS ACCOUNTS LIMITED
NEW INDIVIDUAL SAVINGS ACCOUNTS LIMITED
THE PEP SHOP LIMITED
UKPARTNERS.UKNOTTINGHAM LTD
Hardev Singh
CHAPEL BAR SECURITIES LIMITED
CORDLINE SERVICES LIMITED
CRICKLADE HOUSE HOTEL LIMITED
CRICKLADE PROPERTY LIMITED
EXPATRIATE ADVISORY SERVICES LIMITED
GREEN FOUNDATION LIMITED
HGF COMPANIES LTD
INCOME ADVISORY SERVICES LIMITED
INVESTORS' DISCOUNT CENTRE LIMITED
LIAISON LIFE INSURANCE AND INVESTMENT SERVICES OF NOTTINGHAM LIMITED
LIFETIME INDIVIDUAL SAVINGS ACCOUNTS LIMITED
NEW INDIVIDUAL SAVINGS ACCOUNTS LIMITED
NOTTINGHAM CARE VILLAGE LIMITED
OCEAN BREEZE RESIDENTIAL CARE HOME LIMITED
THE FINANCIAL SUPERMARKET LIMITED
THE PEP SHOP LIMITED
UKPARTNERS.UKNOTTINGHAM LTD
Balance Sheet Unlock full report
Accounts Date 31-Aug-2024 31-Aug-2022 31-Aug-2021
Balance Sheet
Fixed Assets 29,578 29,578 30,425
Current Assets 9,495,416 9,495,416 13,475,977
Creditors Due Within One Year 8,868 8,868 341,328
Working Cap 9,486,548 9,486,548 13,134,649
Total Assets Less Current Liabilities 9,516,126 9,516,126 13,165,074
Long-term Liabilities 0 0 0
Net Assets 9,516,126 9,516,126 13,165,074
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 9,516,126 9,516,126 13,165,074
Common Size Financial Analysis Unlock full report
Accounts Date 31-Aug-2024 31-Aug-2022 31-Aug-2021
Tangible Fixed Assets - - -
Fixed Assets 0.3% 0.3% 0.2%
Stocks Inventory - - -
Debtors 99.3% 99.3% 99.6%
Cash Bank In Hand 0.4% 0.4% 0.2%
Current Assets 99.7% 99.7% 99.8%
Creditors Due Within One Year 0.1% 0.1% 2.5%
Net Current Assets Liabilities 99.6% 99.6% 97.2%
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 99.9% 99.9% 97.5%
Capital Employed - - -
Total Assets Less Current Liabilities 99.9% 99.9% 97.5%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Aug-2024 31-Aug-2022 31-Aug-2021
Liquidity Ratio 1070.8 1070.8 39.5
Solvency Ratio 1074.1 1074.1 39.6
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 0
Mortgages Outstanding 0
Mortgages Part Satisfied 0
Mortgages Satisfied 0
Assets and Debt Analysis Unlock full report
Accounts Date 31-Aug-2024 31-Aug-2022 31-Aug-2021
Assets 9,524,994 9,524,994 13,506,402
Debt 8,868 8,868 341,328
Net Assets/Debt 9,516,126 9,516,126 13,165,074

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
Other Business around DE74 2DA
EXPATRIATE ADVISORY SERVICES LIMITED
16 HIGH STREET, KEGWORTH, DERBYSHIRE, DE74 2DA
SDEA SOLUTIONS LTD
21 High Street, Kegworth, Derby, Derbyshire, DE74 2DA
LIFETIME INDIVIDUAL SAVINGS ACCOUNTS LIMITED
16 HIGH STREET, KEGWORTH, DERBY, DE74 2DA
CHAPEL BAR SECURITIES LIMITED
16 HIGH STREET, KEGWORTH, DERBY, DE74 2DA
SOAR VALLEY ACCOUNTANCY SERVICES LIMITED
49 HIGH STREET, KEGWORTH, DERBYSHIRE, DE74 2DA
THE INCORPORATED BENEVOLENT FUND OF THE INSTITUTION OF GAS ENGINEERS AND MANAGERS
Igem House High Street, Kegworth, Derby, DE74 2DA
KEGWORTH 1958 LIMITED
20 High Street, Kegworth, Derby, DE74 2DA
INVESTORS' DISCOUNT CENTRE LIMITED
16 HIGH STREET, KEGWORTH, DERBYSHIRE, DE74 2DA
THE FINANCIAL SUPERMARKET LIMITED
16 HIGH STREET, KEGWORTH, DERBYSHIRE, DE74 2DA
INCOME ADVISORY SERVICES LIMITED
16 HIGH STREET, KEGWORTH, DERBYSHIRE, DE74 2DA
Document Filings
Confirmation statement made on 22 May 2025 with updates
Change of details for Expatriate Advisory Services Plc as a person with significant control on 19 December 2024
Memorandum and Articles of Association
Resolutions
Confirmation statement made on 22 May 2024 with no updates
Confirmation statement made on 22 May 2023 with no updates
Confirmation statement made on 22 May 2022 with no updates
Confirmation statement made on 22 May 2021 with no updates
Confirmation statement made on 22 May 2020 with no updates
Confirmation statement made on 22 May 2019 with no updates
Confirmation statement made on 22 May 2018 with no updates
Termination of appointment of Willoughby Corporate Secretarial Limited as a secretary on 30 May 2018
Notification of Expatriate Advisory Services Plc as a person with significant control on 26 July 2017
Withdrawal of a person with significant control statement on 26 July 2017
Confirmation statement made on 22 May 2017 with updates
Annual return made up to 22 May 2016 with full list of shareholders
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