CWM COMMUNITY ACTION GROUP Credit Check Report

Company Overview

Cwm Community Action Group is listed at the official companies registry as Active Private Limited Company By Guarantee Without Share Capital, Use Of 'Limited' Exemption. The company was incorporated on Monday 07 June 1999, so this is a well established company. Cwm Community Action Group has been in business for 26 years and 10 months. The accounts status is micro entity and the accounts are next due on Thursday 31 December 2026.

Registered Address

Shiloh Community Centre, Cwm Penmachno, Betws-Y-Coed, Conwy, LL24 0RH

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Companies House Data

Company Name	CWM COMMUNITY ACTION GROUP
Company Number	03783425
Registered Office Address	Shiloh Community Centre
	Cwm Penmachno
	LL24 0RH
Company Category	Private Limited Company By Guarantee Without Share Capital, Use Of 'Limited' Exemption
Company Status	Active
Country of Origin	United Kingdom
Incorporation Date	07/06/1999
Accounting Reference Date Day	31
Accounting Reference Date Month	3
Accounts Next Due Date	31/12/2026
Accounts Last Made Up Date	31/03/2025
Accounts Account Category	MICRO ENTITY
Returns Next Due Date	05/07/2017
Returns Last Made Up Date	07/06/2016

Directors & Members

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	Lyn Bechtel - Director (American, 87 years old, born September 1939) Appointed 15 August 2005, Resigned 27 March 2007	Resigned
	Philip Browning - Director (British, 71 years old, born April 1955) Appointed 01 November 2011, Resigned 02 November 2019	Resigned
	Michelle Clark - Director (British, 42 years old, born April 1984) Appointed 02 November 2019, Resigned 28 January 2026	Resigned
	Loel Collins - Director (British, 61 years old, born October 1965) Appointed 31 August 1999, Resigned 28 June 2000	Resigned
	Gwyneth Couchman - Director (British, 74 years old, born February 1952) Appointed 15 August 2005, Resigned 01 April 2009	Resigned
	Joan Cutting - Director (British, 72 years old, born September 1954) Appointed 07 November 2014, Resigned 02 November 2019	Resigned
	Kathleen Davis - Director (British, 82 years old, born April 1944) Appointed 07 June 1999, Resigned 30 May 2006	Resigned
	Christian Davis - Director (British, 44 years old, born January 1982) Appointed 06 September 2001, Resigned 01 November 2004	Resigned
	Stephen Edwards - Director (British, 47 years old, born September 1979) Appointed 31 August 1999, Resigned 30 September 2005	Resigned
	Gerwyn Edwards - Director (British, 69 years old, born March 1957) Appointed 07 January 2021	Active
	Raymond Griffiths - Director (Welsh, 73 years old, born February 1953) Appointed 10 November 2017	Active
	Dafydd Gwyndaf - Director (British, 74 years old, born October 1952) Appointed 31 August 2000, Resigned 01 November 2011	Resigned
	Glyn Hughes - Director (British, 79 years old, born October 1947) Appointed 31 August 1999, Resigned 06 September 2001	Resigned
	Edith Hughes - Director (British, 80 years old, born March 1946) Appointed 31 August 1999, Resigned 28 August 2002	Resigned
	Brian Janering - Director (British, 84 years old, born February 1942) Appointed 07 April 2007, Resigned 25 June 2012	Resigned
	Martin Jones - Director (British, 63 years old, born March 1963) Appointed 31 August 1999, Resigned 31 August 2000	Resigned
	Mariette Lawrance - Director (British, 81 years old, born December 1945) Appointed 07 November 2020	Active
	Linda Lee - Director (British, 61 years old, born September 1965) Appointed 10 November 2017, Resigned 07 November 2020	Resigned
	Goerge Lee - Director (British, 58 years old, born April 1968) Appointed 01 April 2010, Resigned 01 April 2010	Resigned
	George Lee - Director (British, 58 years old, born April 1968) Appointed 01 April 2010, Resigned 07 January 2021	Resigned
	Kevin Lloyd - Director (British, 60 years old, born July 1966) Appointed 31 August 1999, Resigned 06 September 2001	Resigned
	Barbara Lovegrove - Director (British, 95 years old, born September 1931) Appointed 15 August 2005, Resigned 27 March 2007	Resigned
	Eluned McFadden - Director (British, 74 years old, born June 1952) Appointed 07 January 2021, Resigned 16 November 2022	Resigned
	Sheila McKay - Director (British, 75 years old, born October 1951) Appointed 30 September 2006, Resigned 01 March 2008	Resigned
	Sheila McKay - Director (British, 75 years old, born October 1951) Appointed 01 October 2009, Resigned 01 November 2011	Resigned
	Paul McKinnell - Director (British, 59 years old, born January 1967) Appointed 15 August 2005, Resigned 12 June 2007	Resigned
	Jackie Milsom - Director (British, 68 years old, born October 1958) Appointed 12 January 2018	Active
	John Moxham - Director (British, 65 years old, born August 1961) Appointed 07 June 1999, Resigned 31 August 2000	Resigned
	Chris Neale - Director (British, 68 years old, born August 1958) Appointed 02 November 2019, Resigned 31 January 2020	Resigned
	Stephen Newby - Director (British, 72 years old, born August 1954) Appointed 02 November 2019, Resigned 01 June 2024	Resigned
	Michael Overton - Director (British, 75 years old, born March 1951) Appointed 30 September 2006, Resigned 10 November 2017	Resigned
	Ben Overton - Director (British, 34 years old, born October 1992) Appointed 01 November 2012, Resigned 07 November 2014	Resigned
	Aled Owen - Director (British, 73 years old, born June 1953) Appointed 07 April 2007, Resigned 02 November 2019	Resigned
	Janet Owen - Director (British, 71 years old, born May 1955) Appointed 01 May 2009, Resigned 01 November 2009	Resigned

Secretaries

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	Aled Owen - Secretary (British) Appointed 07 April 2007, Resigned 10 November 2017	Resigned

Other Company Directorships

Gerwyn Edwards
No companies found

Raymond Griffiths
No companies found

Mariette Lawrance
No companies found

Jackie Milsom
No companies found

Balance Sheet

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Accounts Date	31-Mar-2025	31-Mar-2023	31-Mar-2022
Balance Sheet
Fixed Assets	29,635	29,635	23,585
Current Assets	143,102	143,102	153,251
Creditors Due Within One Year	0	0	0
Working Cap	143,102	143,102	153,251
Total Assets Less Current Liabilities	172,737	172,737	176,836
Long-term Liabilities	0	0	0
Net Assets	172,737	172,737	176,836
Share Capital & Reserves
Share Cap	-	-	-
Profit & Loss Reserves	-	-	-
Other Reserves	-	-	-
Shareholders Funds	172,737	172,737	176,836

Common Size Financial Analysis

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Accounts Date	31-Mar-2025	31-Mar-2023	31-Mar-2022
Tangible Fixed Assets	-	-	-
Fixed Assets	17.2%	17.2%	13.3%
Stocks Inventory	-	-	-
Debtors	-	-	-
Cash Bank In Hand	-	-	-
Current Assets	82.8%	82.8%	86.7%
Creditors Due Within One Year	0.0%	0.0%	0.0%
Net Current Assets Liabilities	82.8%	82.8%	86.7%
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	100.0%	100.0%	100.0%
Capital Employed	-	-	-
Total Assets Less Current Liabilities	100.0%	100.0%	100.0%

Financial Ratio Analysis

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Accounts Date	31-Mar-2025	31-Mar-2023	31-Mar-2022
Liquidity Ratio	143102.0	143102.0	153251.0
Solvency Ratio	∞	∞	∞
Reserves to Assets	-	-	-

Secured Creditors

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Mortgages Charges	0
Mortgages Outstanding	0
Mortgages Part Satisfied	0
Mortgages Satisfied	0

Assets and Debt Analysis

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Accounts Date	31-Mar-2025	31-Mar-2023	31-Mar-2022
Assets	172,737	172,737	176,836
Debt	0	0	0
Net Assets/Debt	172,737	172,737	176,836

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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

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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

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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

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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

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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

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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)

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

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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

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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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