Company Overview
Cabot Financial (Europe) Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Friday 19 September 1997, so this is a well established company. Cabot Financial (Europe) Limited has been in business for 28 years and 6 months. The accounts status is full and the accounts are next due on Wednesday 30 September 2026.
Registered Address

1 Kings Hill Avenue, Kings Hill, West Malling, Kent, ME19 4UA
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Companies House Data
Company NameCABOT FINANCIAL (EUROPE) LIMITED
Company Number03439445
Registered Office Address1 Kings Hill Avenue
 Kings Hill
 ME19 4UA
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date19/09/1997
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 Date17/10/2016
Returns Last Made Up Date19/09/2015
Directors & Members
Show Resigned
Timothy Croom - Director
(British, 50 years old, born July 1976)
Appointed 31 March 2025
 Active
Paul Jenkins - Director
(British, 57 years old, born November 1969)
Appointed 18 January 2021
 Active
John Yung - Director
(American, 61 years old, born April 1965)
Appointed 23 June 2023
 Active
Secretaries
Show Resigned
Lucy Bassett - Secretary
Appointed 30 September 2024
 Active
Other Company Directorships
Timothy Croom
CABOT CREDIT MANAGEMENT LIMITED
CABOT FINANCIAL LIMITED
NETHERMOUNT MANAGEMENT COMPANY LIMITED
Paul Jenkins
APEX COLLECTIONS LIMITED
APEX CREDIT MANAGEMENT HOLDINGS LIMITED
APEX CREDIT MANAGEMENT LIMITED
BLACK TIP CAPITAL HOLDINGS LIMITED
CABOT CREDIT MANAGEMENT GROUP LIMITED
CABOT FINANCIAL (UK) LIMITED
CABOT FINANCIAL PORTFOLIOS LIMITED
CABOT SECURITISATION (UK) HOLDINGS II LIMITED
CABOT SECURITISATION (UK) II LIMITED
CABOT SECURITISATION TOPCO LIMITED
CABOT SECURITISATION UK HOLDINGS LIMITED
CABOT SECURITISATION UK LIMITED
MACROCOM (948) LIMITED
MARLIN CAPITAL EUROPE LIMITED
MARLIN EUROPE I LIMITED
MARLIN EUROPE IX LIMITED
MARLIN EUROPE V LIMITED
MARLIN EUROPE VI LIMITED
MARLIN EUROPE X LIMITED
MARLIN FINANCIAL GROUP LIMITED
MARLIN FINANCIAL INTERMEDIATE II LIMITED
MARLIN INTERMEDIATE HOLDINGS LIMITED
MARLIN LEGAL SERVICES LIMITED
MARLIN MIDWAY LIMITED
MARLIN PORTFOLIO HOLDINGS LIMITED
MARLIN SENIOR HOLDINGS LIMITED
MARLIN UNRESTRICTED HOLDINGS LIMITED
MCE PORTFOLIO LIMITED
MDB COLLECTION SERVICES LIMITED
ME III LIMITED
ME IV LIMITED
MFS PORTFOLIO LIMITED
MORLEY LIMITED
MORTIMER CLARKE SOLICITORS LIMITED
John Yung
CABOT FINANCIAL (INTERNATIONAL) LIMITED
CABOT FINANCIAL DEBT RECOVERY SERVICES LIMITED
CABOT FINANCIAL HOLDINGS GROUP LIMITED
CABOT FINANCIAL LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2014 31-Dec-2013
Balance Sheet
Fixed Assets 8,334,000 8,334,000 6,352,000
Current Assets 70,113,000 70,113,000 41,598,000
Creditors Due Within One Year 66,043,000 66,043,000 39,599,000
Working Cap 4,070,000 4,070,000 1,999,000
Total Assets Less Current Liabilities 12,404,000 12,404,000 8,351,000
Long-term Liabilities 8,000 8,000 12,000
Net Assets 12,396,000 12,396,000 8,339,000
Share Capital & Reserves
Share Cap 12,105,000 12,105,000 12,105,000
Profit & Loss Reserves 291,000 291,000 -3,766,000
Other Reserves 0 0 0
Shareholders Funds 12,396,000 12,396,000 8,339,000
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2014 31-Dec-2013
Tangible Fixed Assets - - -
Fixed Assets 10.6% 10.6% 13.2%
Stocks Inventory 0.0% 0.0% 0.0%
Debtors 0.5% 0.5% 0.8%
Cash Bank In Hand 2.7% 2.7% 15.1%
Current Assets 89.4% 89.4% 86.8%
Creditors Due Within One Year 84.2% 84.2% 82.6%
Net Current Assets Liabilities 5.2% 5.2% 4.2%
Creditors Due After One Year 0.0% 0.0% 0.0%
Accruals Deferred Income - - -
Provisions For Liabilities Charges - - -
Net Assets Liabilities Including Pension Asset Liability 15.8% 15.8% 17.4%
Called Up Share Capital 15.4% 15.4% 25.2%
Share Capital Allotted Called Up Paid 15.4% 15.4% 25.2%
Profit Loss Account Reserve 0.4% 0.4% -7.9%
Shareholder Funds 15.8% 15.8% 17.4%
Capital Employed - - -
Total Assets Less Current Liabilities 15.8% 15.8% 17.4%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2014 31-Dec-2013
Liquidity Ratio 1.1 1.1 1.1
Solvency Ratio 1.2 1.2 1.2
Reserves to Assets 0.0 0.0 -0.1
Secured Creditors Unlock full report
Mortgages Charges 25
Mortgages Outstanding 16
Mortgages Part Satisfied 0
Mortgages Satisfied 9
Assets and Debt Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2014 31-Dec-2013
Assets 78,447,000 78,447,000 47,950,000
Debt 66,051,000 66,051,000 39,611,000
Net Assets/Debt 12,396,000 12,396,000 8,339,000

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 current section of the balance sheet has positive working capital. We would normally consider this positively. Total reserves including retained profitability and movement in reserves appeared positive. We would normally view a company positively for this. The balance sheet indicates the net assets of a good sized company. For the size of the company inferred by the balance sheet this level of net assets suggests total debts and obligations were moderately well covered.

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 current section of the balance sheet has positive working capital. We would normally consider this positively. Total reserves including retained profitability and movement in reserves appeared positive. We would normally view a company positively for this. The balance sheet indicates the net assets of a good sized company. For the size of the company inferred by the balance sheet this level of net assets suggests total debts and obligations were moderately well covered.   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 current section of the balance sheet has positive working capital. We would normally consider this positively. Total reserves including retained profitability and movement in reserves appeared positive. We would normally view a company positively for this. The balance sheet indicates the net assets of a good sized company. For the size of the company inferred by the balance sheet this level of net assets suggests total debts and obligations were moderately well covered.

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 ME19 4UA
KEYSTONE COMMERCIAL MORTGAGES LIMITED
42 KINGS HILL AVENUE, KINGS HILL, WEST MALLING, ME19 4UA
CABOT FINANCIAL (INTERNATIONAL) LIMITED
1 KINGS HILL AVENUE, KINGS HILL, WEST MALLING, KENT, ME19 4UA
CABOT FINANCIAL (UK) LIMITED
1 KINGS HILL AVENUE, KINGS HILL, WEST MALLING, KENT, ME19 4UA
THE LIME TREE COMPANY (SUSSEX) LIMITED
23 Kings Hill Avenue, Kings Hill, West Malling, Kent, ME19 4UA
CABOT FINANCIAL HOLDINGS GROUP LIMITED
1 KINGS HILL AVENUE, KINGS HILL, WEST MALLING, KENT, ME19 4UA
KEYSTONE BUY TO LET MORTGAGES LIMITED
17 Kings Hill Avenue, Kings Hill, West Malling, Kent, ME19 4UA
SUSSEX HELICOPTERS LIMITED
26 Kings Hill Avenue, Kings Hill, West Malling, Kent, ME19 4UA
PBG TRUSTEES LIMITED
42 KINGS HILL AVENUE, KINGS HILL, WEST MALLING, ME19 4UA
MORTGAGE FINANCE BROKERS LIMITED
17 Kings Hill Avenue, Kings Hill, West Malling, ME19 4UA
WHEN FRESH LTD
20-22 WENLOCK ROAD, LONDON, ME19 4UA
Document Filings
Registration of charge 034394450025, created on 1 October 2025
Confirmation statement made on 9 September 2025 with no updates
Appointment of Mr Timothy Llewellyn Croom as a director on 31 March 2025
Termination of appointment of Tomas Hernanz as a director on 31 March 2025
Appointment of Mrs Lucy Marie Bassett as a secretary on 30 September 2024
Confirmation statement made on 9 September 2024 with no updates
Termination of appointment of Sarah Whiteley as a secretary on 11 August 2024
Registration of charge 034394450024, created on 21 May 2024
Registration of charge 034394450023, created on 20 March 2024
Registration of charge 034394450022, created on 16 October 2023
Confirmation statement made on 9 September 2023 with no updates
Appointment of Mr John Yung as a director on 23 June 2023
Termination of appointment of Craig Anthony Buick as a director on 23 June 2023
Appointment of Mr Tomas Hernanz as a director on 27 January 2023
Termination of appointment of Christian John Burgess as a director on 27 January 2023
Confirmation statement made on 9 September 2022 with no updates
Confirmation statement made on 9 September 2021 with no updates
Registration of charge 034394450021, created on 1 June 2021
Director's details changed for Mr Craig Anthony Buick on 5 January 2021
Appointment of Mr Paul Jenkins as a director on 18 January 2021
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