Company Overview
Citizens Advice Colchester 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 Friday 03 May 2002, so this is a well established company. Citizens Advice Colchester has been in business for 23 years and 11 months. The accounts status is total exemption full and the accounts are next due on Thursday 31 December 2026.
Registered Address

28 Middleborough, Colchester, CO1 1TG
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Companies House Data
Company NameCITIZENS ADVICE COLCHESTER
Company Number04431673
Registered Office Address28 Middleborough
 CO1 1TG
Company CategoryPrivate Limited Company By Guarantee Without Share Capital, Use Of 'Limited' Exemption
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date03/05/2002
Accounting Reference Date Day31
Accounting Reference Date Month3
Accounts Next Due Date31/12/2026
Accounts Last Made Up Date31/03/2025
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date31/05/2017
Returns Last Made Up Date03/05/2016
Previous Company NameChanged Date
COLCHESTER CITIZENS ADVICE BUREAU12 Mar 2016
Directors & Members
Show Resigned
Cameron Banks Murray - Director
(British, 32 years old, born August 1994)
Appointed 29 July 2025
 Active
Stephen Ede - Director
(British, 57 years old, born January 1969)
Appointed 01 May 2020
 Active
Thomas Kerr - Director
(British, 73 years old, born October 1953)
Appointed 18 December 2020
 Active
Lanston Ramsay - Director
(British, 66 years old, born October 1960)
Appointed 09 August 2023
 Active
Secretaries
Show Resigned
Stephen Ede - Secretary
Appointed 28 October 2020
 Active
Other Company Directorships
Cameron Banks Murray
No companies found
Stephen Ede
No companies found
Thomas Kerr
THEATRE ARTS ACTION TRUST
Lanston Ramsay
CITIZENS ADVICE ESSEX LIMITED
COMPLEX GREY LTD
Balance Sheet Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2023 31-Mar-2022
Balance Sheet
Fixed Assets 1,866 1,866 3,732
Current Assets 404,629 404,629 318,597
Creditors Due Within One Year 18,323 18,323 15,718
Working Cap 386,306 386,306 302,879
Total Assets Less Current Liabilities 388,172 388,172 306,611
Long-term Liabilities 0 0 0
Net Assets 388,172 388,172 306,611
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 388,172 388,172 306,611
Common Size Financial Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2023 31-Mar-2022
Tangible Fixed Assets - - -
Fixed Assets 0.5% 0.5% 1.2%
Stocks Inventory - - -
Debtors 19.2% 19.2% 1.5%
Cash Bank In Hand 80.3% 80.3% 97.3%
Current Assets 99.5% 99.5% 98.8%
Creditors Due Within One Year 4.5% 4.5% 4.9%
Net Current Assets Liabilities 95.0% 95.0% 94.0%
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 95.5% 95.5% 95.1%
Capital Employed - - -
Total Assets Less Current Liabilities 95.5% 95.5% 95.1%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2023 31-Mar-2022
Liquidity Ratio 22.1 22.1 20.3
Solvency Ratio 22.2 22.2 20.5
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-Mar-2025 31-Mar-2023 31-Mar-2022
Assets 406,495 406,495 322,329
Debt 18,323 18,323 15,718
Net Assets/Debt 388,172 388,172 306,611

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 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
Director's details changed for Mr Stephen Richard Ede on 14 September 2024
Director's details changed for Mr Thomas Michael Alasdair Kerr on 21 August 2025
Appointment of Miss Cameron Banks Murray as a director on 29 July 2025
Termination of appointment of Abigail Roberts as a director on 29 July 2025
Termination of appointment of David John Jarvis as a director on 29 July 2025
Confirmation statement made on 3 May 2025 with no updates
Termination of appointment of Graeme Noel Chalklin as a director on 16 July 2024
Confirmation statement made on 3 May 2024 with no updates
Director's details changed for Mrs Louisa Clare Tippett on 9 April 2024
Appointment of Mrs Louisa Clare Tippett as a director on 2 April 2024
Director's details changed for Mr Thomas Michael Kerr on 19 February 2024
Termination of appointment of Jordan Alexander Newell as a director on 10 January 2024
Director's details changed for Mr Michael Alasdair Kerr on 19 January 2024
Termination of appointment of Alexandra Clare Tyler as a director on 19 September 2023
Termination of appointment of William Edmund Hayton as a director on 19 September 2023
Appointment of Mr Lanston Don Ramsay as a director on 9 August 2023
Confirmation statement made on 3 May 2023 with no updates
Appointment of Miss Abigail Roberts as a director on 28 March 2023
Appointment of Mr Jordan Alexander Newell as a director on 28 March 2023
Termination of appointment of Emma Keegan as a director on 28 March 2023
Memorandum and Articles of Association
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