Company Overview
Fine Interiors Spraying Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Thursday 18 December 1997, so this is a well established company. Fine Interiors Spraying Limited has been in business for 28 years and 3 months. The accounts status is micro entity and the accounts are next due on Wednesday 30 September 2026.
Registered Address

9 Limes Road, Beckenham, Kent, BR3 6NS
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Companies House Data
Company NameFINE INTERIORS SPRAYING LIMITED
Company Number03482902
Registered Office Address9 Limes Road
 BR3 6NS
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date18/12/1997
Accounting Reference Date Day31
Accounting Reference Date Month12
Accounts Next Due Date30/09/2026
Accounts Last Made Up Date31/12/2024
Accounts Account CategoryMICRO ENTITY
Returns Next Due Date27/12/2016
Returns Last Made Up Date29/11/2015
Directors & Members
Show Resigned
Michael Cusworth - Director
(British, 66 years old, born December 1960)
Appointed 18 December 1997
 Active
Secretaries
Show Resigned
Valerie Hinds - Secretary
Appointed 30 November 2009
 Active
Other Company Directorships
Michael Cusworth
No companies found
Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Balance Sheet
Fixed Assets 13,364 13,364 17,819
Current Assets 102,785 102,785 86,533
Creditors Due Within One Year 31,317 31,317 23,031
Working Cap 71,468 71,468 63,502
Total Assets Less Current Liabilities 84,832 84,832 81,321
Long-term Liabilities 24,841 24,841 34,167
Net Assets 59,991 59,991 47,154
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 59,991 59,991 47,154
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Tangible Fixed Assets - - -
Fixed Assets 11.5% 11.5% 17.1%
Stocks Inventory - - -
Debtors - - -
Cash Bank In Hand - - -
Current Assets 88.5% 88.5% 82.9%
Creditors Due Within One Year 27.0% 27.0% 22.1%
Net Current Assets Liabilities 61.5% 61.5% 60.9%
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 51.7% 51.7% 45.2%
Capital Employed - - -
Total Assets Less Current Liabilities 73.0% 73.0% 77.9%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Liquidity Ratio 3.3 3.3 3.8
Solvency Ratio 2.1 2.1 1.8
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-2022 31-Dec-2021
Assets 116,149 116,149 104,352
Debt 56,158 56,158 57,198
Net Assets/Debt 59,991 59,991 47,154

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. 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 appeared positive. We would normally view a company positively for this. 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 appeared positive. We would normally view a company positively for this. 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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Document Filings
Confirmation statement made on 29 November 2025 with updates
Confirmation statement made on 29 November 2024 with updates
Confirmation statement made on 29 November 2023 with updates
Confirmation statement made on 29 November 2022 with updates
Change of details for Mr Micheal Cusworth as a person with significant control on 17 January 2022
Notification of Mickey Byrne as a person with significant control on 17 January 2022
Confirmation statement made on 29 November 2021 with updates
Change of details for Mr Micheal Cusworth as a person with significant control on 1 October 2021
Secretary's details changed for Mrs Valerie Jean Hinds on 1 October 2021
Director's details changed for Mr Michael John Cusworth on 1 October 2021
Registered office address changed from 78 Croydon Road West Wickham Kent BR4 9HY to 9 Limes Road Beckenham Kent BR3 6NS on 1 October 2021
Confirmation statement made on 29 November 2020 with updates
Change of details for Mr Micheal Cusworth as a person with significant control on 14 October 2020
Director's details changed for Mr Michael John Cusworth on 28 October 2020
Purchase of own shares.
Change of details for Mr Micheal Cusworth as a person with significant control on 3 March 2020
Cessation of Dennis Charles Rowden as a person with significant control on 3 March 2020
Termination of appointment of Dennis Charles Rowden as a director on 3 March 2020
Cancellation of shares. Statement of capital on 3 March 2020
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