Company Overview
Watermead Financial Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Tuesday 17 July 2001, so this is a well established company. Watermead Financial Limited has been in business for 24 years and 8 months. The accounts status is micro entity and the accounts are next due on Friday 31 July 2026.
Registered Address

Watermead House, 637 Melton Road, Thurmaston, Leicester, Leics, LE4 8EB
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Companies House Data
Company NameWATERMEAD FINANCIAL LIMITED
Company Number04253678
Registered Office AddressWatermead House, 637 Melton Road
 Thurmaston
 LE4 8EB
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date17/07/2001
Accounting Reference Date Day31
Accounting Reference Date Month10
Accounts Next Due Date31/07/2027
Accounts Last Made Up Date31/10/2025
Accounts Account CategoryMICRO ENTITY
Returns Next Due Date14/08/2016
Returns Last Made Up Date17/07/2015
Directors & Members
Show Resigned
Michael Cooper - Director
(British, 46 years old, born January 1980)
Appointed 12 January 2006
 Active
Ashvin Pankhania - Director
(British, 67 years old, born August 1959)
Appointed 31 July 2001
 Active
Kevin Stephenson - Director
(British, 66 years old, born September 1960)
Appointed 31 July 2001
 Active
Secretaries
Show Resigned
Other Company Directorships
Michael Cooper
HOWARD COX (LEICESTER) LIMITED
Ashvin Pankhania
LOCAL BUSINESS CONNECTIONS LIMITED
MOAT FINANCIAL LTD
WATERMEAD TRUST PLANNING LIMITED
Kevin Stephenson
DALBY FINANCE LTD
DALBY PROPERTIES (MM) LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Oct-2025 31-Oct-2022 31-Oct-2021
Balance Sheet
Fixed Assets 1,336 1,336 1,485
Current Assets 53,433 53,433 51,524
Creditors Due Within One Year 12,118 12,118 15,872
Working Cap 41,315 41,315 35,652
Total Assets Less Current Liabilities 42,651 42,651 37,137
Long-term Liabilities 0 0 0
Net Assets 42,651 42,651 37,137
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 42,651 42,651 37,137
Common Size Financial Analysis Unlock full report
Accounts Date 31-Oct-2025 31-Oct-2022 31-Oct-2021
Tangible Fixed Assets - - -
Fixed Assets 2.4% 2.4% 2.8%
Stocks Inventory - - -
Debtors - - -
Cash Bank In Hand - - -
Current Assets 97.6% 97.6% 97.2%
Creditors Due Within One Year 22.1% 22.1% 29.9%
Net Current Assets Liabilities 75.4% 75.4% 67.3%
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 77.9% 77.9% 70.1%
Capital Employed - - -
Total Assets Less Current Liabilities 77.9% 77.9% 70.1%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Oct-2025 31-Oct-2022 31-Oct-2021
Liquidity Ratio 4.4 4.4 3.2
Solvency Ratio 4.5 4.5 3.3
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 31-Oct-2025 31-Oct-2022 31-Oct-2021
Assets 54,769 54,769 53,009
Debt 12,118 12,118 15,872
Net Assets/Debt 42,651 42,651 37,137

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 17 July 2025 with updates
Confirmation statement made on 17 July 2024 with updates
Termination of appointment of Barry Masding as a director on 31 December 2023
Confirmation statement made on 17 July 2023 with updates
Confirmation statement made on 17 July 2022 with updates
Confirmation statement made on 17 July 2021 with updates
Termination of appointment of Jill Elizabeth Cave as a secretary on 19 November 2020
Confirmation statement made on 17 July 2020 with updates
Confirmation statement made on 17 July 2019 with updates
Termination of appointment of Stephen Cave as a director on 7 September 2018
Confirmation statement made on 17 July 2018 with updates
Confirmation statement made on 17 July 2017 with updates
Confirmation statement made on 17 July 2016 with updates
Annual return made up to 17 July 2015 with full list of shareholders
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