Company Overview
Rayford Finance Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Wednesday 12 May 1999, so this is a well established company. Rayford Finance Limited has been in business for 26 years and 10 months. The accounts status is micro entity and the accounts are next due on Tuesday 30 June 2026.
Registered Address

Europa House, 46-50 Southwick Square, Southwick, Brighton, BN42 4FJ
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Companies House Data
Company NameRAYFORD FINANCE LIMITED
Company Number03768866
Registered Office AddressEuropa House, 46-50 Southwick Square
 Southwick
 BN42 4FJ
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date12/05/1999
Accounting Reference Date Day30
Accounting Reference Date Month9
Accounts Next Due Date30/06/2026
Accounts Last Made Up Date30/09/2024
Accounts Account CategoryMICRO ENTITY
Returns Next Due Date28/06/2017
Returns Last Made Up Date31/05/2016
Previous Company NameChanged Date
COMPLETE FINANCE LIMITED26 May 2015
Directors & Members
Show Resigned
Carl Horney - Director
(British, 63 years old, born October 1963)
Appointed 09 June 1999
 Active
Raymond Horney - Director
(British, 90 years old, born June 1936)
Appointed 09 June 1999
 Active
Damon Horney - Director
(British, 60 years old, born December 1966)
Appointed 09 June 1999
 Active
Secretaries
Show Resigned
Paul Hollebone - Secretary
(British)
Appointed 07 April 2009
 Active
Other Company Directorships
Carl Horney
ARIADNE (PORTSMOUTH) MANAGEMENT COMPANY LIMITED
CDJR&P LLP
CLARENCE HOUSE (TUNBRIDGE WELLS) MANAGEMENT LIMITED
COMPACTA-BIN LIMITED
GREENTOPIA LTD
HOMELEIGH HOTELS LIMITED
JASON PROPERTIES (SUSSEX) LIMITED
MUCKY TRUCKS LTD.
PARAMEDICALL LIMITED
PROPERTY IMPROVEMENTS LTD
RAYFORD HOMES 2001 LIMITED
RAYFORD HOMES LIMITED
RAYFORD INVESTMENTS (TUNBRIDGE WELLS) LIMITED
RAYFORD INVESTMENTS LIMITED
RAYFORD PROPERTY ENTERPRISES LLP
RAYFORD TOWER LLP
RAYFORDS LLP
SAFETY WEAR AND SIGNS LIMITED
SCOOTACAR LIMITED
SYNERGY WASTE SOLUTIONS LTD
THE HORNEY PROPERTY LLP
TOWN & WATERSIDE PROPERTIES LTD
Raymond Horney
8 HIGH STREET BN11 RTM COMPANY LIMITED
CDJR&P LLP
CLEAROFF LIMITED
COMPLETE FINANCE LLP
DRG BIOTECH LIMITED
DRUG TESTING KITS LTD
ELP ESTATES LIMITED
ELP EVESHAM LIMITED
ELP PROPERTIES LIMITED
ELP RESIDENTIAL LIMITED
ELP SALES LIMITED
ELP TRADING LIMITED
EXOTIC RESORTS LIMITED
HOMELEIGH HOTELS LIMITED
JERMYN INVESTMENT CO LIMITED
JERMYN INVESTMENT COMPANY HOLDINGS LIMITED
JERMYN INVESTMENT PROPERTIES LIMITED
PARAMEDICALL LIMITED
RAYFORD HOLDINGS LIMITED
RAYFORD HOMES 2001 LIMITED
RAYFORD HOMES LIMITED
RAYFORD HOUSE MANAGEMENT LTD
RAYFORD PROPERTY ENTERPRISES LLP
RAYFORD TOWER LLP
RAYFORDS LLP
REDLEAF (IBERIA) LIMITED
REO (POWERSTATION) UK LIMITED
SCOOTACAR LIMITED
SOUND INVESTMENTS LIMITED
SYNERGY WASTE SOLUTIONS LTD
THE HORNEY PROPERTY LLP
TOWN & WATERSIDE PROPERTIES LTD
TRAVEL INDUSTRY HOLDINGS LTD.
VISORSUPER LIMITED
Damon Horney
ADUR TRADING LTD
CDJR&P LLP
COMPACTA-BIN LIMITED
COMPLETE FINANCE LLP
HOMELEIGH HOTELS LIMITED
JASON PROPERTIES (SUSSEX) LIMITED
JUICYBOWLS LTD
MUCKY TRUCKS LTD.
PARAMEDICALL LIMITED
PROPERTY IMPROVEMENTS LTD
RAYFORD HOMES 2001 LIMITED
RAYFORD HOMES LIMITED
RAYFORD HOUSE MANAGEMENT LTD
RAYFORD INVESTMENTS (TUNBRIDGE WELLS) LIMITED
RAYFORD INVESTMENTS LIMITED
RAYFORDS LLP
SOUND INVESTMENTS LIMITED
SYNERGY WASTE SOLUTIONS LTD
TOWN & WATERSIDE PROPERTIES LTD
WOODPECKER HOMES LLP
Balance Sheet Unlock full report
Accounts Date 30-Sep-2024 30-Sep-2022 30-Sep-2021
Balance Sheet
Fixed Assets 0 0 0
Current Assets 548 548 548
Creditors Due Within One Year 345 345 345
Working Cap 203 203 203
Total Assets Less Current Liabilities 203 203 203
Long-term Liabilities 0 0 0
Net Assets 203 203 203
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 203 203 203
Common Size Financial Analysis Unlock full report
Accounts Date 30-Sep-2024 30-Sep-2022 30-Sep-2021
Tangible Fixed Assets - - -
Fixed Assets 0.0% 0.0% 0.0%
Stocks Inventory - - -
Debtors - - -
Cash Bank In Hand - - -
Current Assets 100.0% 100.0% 100.0%
Creditors Due Within One Year 63.0% 63.0% 63.0%
Net Current Assets Liabilities 37.0% 37.0% 37.0%
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 37.0% 37.0% 37.0%
Capital Employed - - -
Total Assets Less Current Liabilities 37.0% 37.0% 37.0%
Financial Ratio Analysis Unlock full report
Accounts Date 30-Sep-2024 30-Sep-2022 30-Sep-2021
Liquidity Ratio 1.6 1.6 1.6
Solvency Ratio 1.6 1.6 1.6
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 30-Sep-2024 30-Sep-2022 30-Sep-2021
Assets 548 548 548
Debt 345 345 345
Net Assets/Debt 203 203 203
It is not clear that the company was actively trading prior to the latest financial data filed. Examination of the full accounts may provide further information. If the company remains active on the company register it may have traded in the period since the date of the latest filed accounts. A full credit report may 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 31 May 2025 with no updates
Confirmation statement made on 31 May 2024 with no updates
Termination of appointment of Jason Mark Horney as a director on 26 June 2023
Confirmation statement made on 31 May 2023 with no updates
Confirmation statement made on 31 May 2022 with no updates
Confirmation statement made on 31 May 2021 with no updates
Confirmation statement made on 31 May 2020 with no updates
Registered office address changed from Rayford House School Road Hove East Sussex BN3 5HX to Europa House, 46-50 Southwick Square Southwick Brighton BN42 4FJ on 2 December 2019
Confirmation statement made on 31 May 2019 with no updates
Confirmation statement made on 31 May 2018 with no updates
Confirmation statement made on 31 May 2017 with updates
Annual return made up to 31 May 2016 with full list of shareholders
Annual return made up to 31 May 2015 with full list of shareholders
Certificate of change of name
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