PRIVATE FINANCE LTD Credit Check Report

Company Overview

Private Finance Ltd is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Friday 08 October 1999, so this is a well established company. Private Finance Ltd has been in business for 26 years and 6 months. The accounts status is total exemption full and the accounts are next due on Wednesday 30 September 2026.

Registered Address

29 Lincolns Inn Fields, London, WC2A 3EG

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Companies House Data

Company Name	PRIVATE FINANCE LTD
Company Number	03855776
Registered Office Address	29 Lincolns Inn Fields
	WC2A 3EG
Company Category	Private Limited Company
Company Status	Active
Country of Origin	United Kingdom
Incorporation Date	08/10/1999
Accounting Reference Date Day	31
Accounting Reference Date Month	12
Accounts Next Due Date	30/09/2026
Accounts Last Made Up Date	31/12/2024
Accounts Account Category	TOTAL EXEMPTION FULL
Returns Next Due Date	05/11/2016
Returns Last Made Up Date	08/10/2015

Directors & Members

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	Richard Barker - Director (British, 79 years old, born December 1947) Appointed 08 June 2007, Resigned 31 December 2017	Resigned
	Sarah Bennett - Director (British, 34 years old, born January 1992) Appointed 01 January 2020, Resigned 10 February 2025	Resigned
	Melanie Bien - Director (British, 53 years old, born October 1973) Appointed 01 March 2011, Resigned 04 January 2012	Resigned
	John Checkley - Director (British, 38 years old, born September 1988) Appointed 21 April 2015, Resigned 31 March 2021	Resigned
	Simon Checkley - Director (British, 62 years old, born May 1964) Appointed 08 October 1999	Active
	John Checkley - Director (British, 38 years old, born September 1988) Appointed 04 July 2025	Active
	Shaun Church-Bolger - Director (British, 39 years old, born July 1987) Appointed 21 April 2015, Resigned 04 December 2023	Resigned
	Michelle Clack - Director (British, 51 years old, born January 1975) Appointed 08 June 2007, Resigned 08 April 2009	Resigned
	Ryan Garbett - Director (British, 40 years old, born February 1986) Appointed 02 July 2019, Resigned 21 February 2025	Resigned
	Michael Perrin - Director (British, 53 years old, born October 1973) Appointed 19 November 2019, Resigned 01 April 2025	Resigned
	Andrea Ruzario - Director (British, 59 years old, born May 1967) Appointed 08 January 2007, Resigned 23 May 2007	Resigned
	Darryl Vine - Director (British, 54 years old, born April 1972) Appointed 01 March 2001, Resigned 17 May 2002	Resigned
	Swift Incorporations Limited - Nominee Secretary Appointed 08 October 1999, Resigned 08 October 1999	Resigned

Secretaries

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	Eva Checkley - Secretary (British) Appointed 10 February 2003, Resigned 08 October 2014	Resigned
	Eva Checkley - Secretary (British) Appointed 08 October 1999, Resigned 01 March 2001	Resigned
	Darryl Vine - Secretary (British) Appointed 01 March 2001, Resigned 10 February 2003	Resigned
	Swift Incorporations Limited - Nominee Secretary Appointed 08 October 1999, Resigned 08 October 1999	Resigned

Other Company Directorships

Simon Checkley
BUY TO LET LONDON LTD
PRIVATE FINANCE ASSOCIATES LLP
PRIVATE FINANCE EBT LIMITED
PRIVATE FINANCE PARTNERS LIMITED

John Checkley
ADVIAS LTD
CHECK PROP HOLDINGS LIMITED
CHECKLEY NOVILLO LTD

Balance Sheet

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Accounts Date	31-Dec-2024	31-Dec-2022	31-Dec-2021
Balance Sheet
Fixed Assets	19,848	19,848	18,245
Current Assets	2,649,002	2,649,002	2,749,294
Creditors Due Within One Year	460,590	460,590	594,214
Working Cap	2,188,412	2,188,412	2,155,080
Total Assets Less Current Liabilities	2,208,260	2,208,260	2,173,325
Long-term Liabilities	2,451	2,451	1,989
Net Assets	2,205,809	2,205,809	2,171,336
Share Capital & Reserves
Share Cap	-	-	-
Profit & Loss Reserves	-	-	-
Other Reserves	-	-	-
Shareholders Funds	2,205,809	2,205,809	2,171,336

Common Size Financial Analysis

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Accounts Date	31-Dec-2024	31-Dec-2022	31-Dec-2021
Tangible Fixed Assets	-	-	-
Fixed Assets	0.7%	0.7%	0.7%
Stocks Inventory	-	-	-
Debtors	6.0%	6.0%	5.2%
Cash Bank In Hand	93.3%	93.3%	94.1%
Current Assets	99.3%	99.3%	99.3%
Creditors Due Within One Year	17.3%	17.3%	21.5%
Net Current Assets Liabilities	82.0%	82.0%	77.9%
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	82.7%	82.7%	78.5%
Capital Employed	-	-	-
Total Assets Less Current Liabilities	82.7%	82.7%	78.5%

Financial Ratio Analysis

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Accounts Date	31-Dec-2024	31-Dec-2022	31-Dec-2021
Liquidity Ratio	5.8	5.8	4.6
Solvency Ratio	5.8	5.8	4.6
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-Dec-2024	31-Dec-2022	31-Dec-2021
Assets	2,668,850	2,668,850	2,767,539
Debt	463,041	463,041	596,203
Net Assets/Debt	2,205,809	2,205,809	2,171,336

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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 appeared positive. We would normally view a company positively for this. 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. 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. 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

Other Business around WC2A 3EG

	BRJ SERVICES (UK) LTD 29 Jackson Moughal Limited, Lincoln's Inn Fields, London, WC2A 3EG
	RW BLEARS LLP 6 KINGHORN STREET, LONDON, WC2A 3EG
	RED BRICK SOLAR LIMITED 29 Lincoln's Inn Fields, London, WC2A 3EG
	TREIG SOLAR LIMITED 29 Lincoln's Inn Fields, London, WC2A 3EG
	MEON SOLAR LIMITED 29 Lincoln's Inn Fields, London, WC2A 3EG
	MOUNTAIN SKY SOLAR LIMITED 29 Lincoln's Inn Fields, London, WC2A 3EG
	PAXIOT LIMITED 6 KINGHORN STREET, LONDON, WC2A 3EG
	JM CAPITAL PARTNERS LIMITED 6 GATE STREET, LINCOLN'S INN FIELDS, LONDON, WC2A 3EG
	JM CONSULTANCY & CORPORATE SERVICES LIMITED 6 Gate Street, Lincoln's Inn Fields, London, WC2A 3EG
	PRIVATE FINANCE PARTNERS LIMITED 1-3 WORSHIP STREET, LONDON, WC2A 3EG

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