Company Overview
Kent Business Finance Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Thursday 09 May 2002, so this is a well established company. Kent Business Finance Limited has been in business for 23 years and 10 months. The accounts status is total exemption full and the accounts are next due on Sunday 31 January 2027.
Registered Address

8 Cross Lane, Faversham, Kent, ME13 8PN
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Companies House Data
Company NameKENT BUSINESS FINANCE LIMITED
Company Number04434546
Registered Office Address8 Cross Lane
 Faversham
 ME13 8PN
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date09/05/2002
Accounting Reference Date Day30
Accounting Reference Date Month4
Accounts Next Due Date31/01/2027
Accounts Last Made Up Date30/04/2025
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date06/06/2017
Returns Last Made Up Date09/05/2016
Directors & Members
Show Resigned
Alexander Milham - Director
(British, 44 years old, born December 1982)
Appointed 04 September 2018
 Active
Emily Scragg - Director
(Australian, 44 years old, born April 1982)
Appointed 31 October 2023
 Active
Secretaries
Show Resigned
David Milham - Secretary
Appointed 04 September 2018
 Active
Other Company Directorships
Alexander Milham
No companies found
Emily Scragg
SCRAGHAM INVESTMENTS LTD
Balance Sheet Unlock full report
Accounts Date 30-Apr-2025 30-Apr-2023 30-Apr-2022
Balance Sheet
Fixed Assets 159,899 159,899 167,827
Current Assets 63,922 63,922 68,539
Creditors Due Within One Year 113,110 113,110 121,112
Working Cap -49,188 -49,188 -52,573
Total Assets Less Current Liabilities 110,711 110,711 115,254
Long-term Liabilities 105,711 105,711 110,254
Net Assets 5,000 5,000 5,000
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 5,000 5,000 5,000
Common Size Financial Analysis Unlock full report
Accounts Date 30-Apr-2025 30-Apr-2023 30-Apr-2022
Tangible Fixed Assets - - -
Fixed Assets 71.4% 71.4% 71.0%
Stocks Inventory - - -
Debtors 25.6% 25.6% 23.5%
Cash Bank In Hand 2.9% 2.9% 5.5%
Current Assets 28.6% 28.6% 29.0%
Creditors Due Within One Year 50.5% 50.5% 51.2%
Net Current Assets Liabilities -22.0% -22.0% -22.2%
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 2.2% 2.2% 2.1%
Capital Employed - - -
Total Assets Less Current Liabilities 49.5% 49.5% 48.8%
Financial Ratio Analysis Unlock full report
Accounts Date 30-Apr-2025 30-Apr-2023 30-Apr-2022
Liquidity Ratio 0.6 0.6 0.6
Solvency Ratio 1.0 1.0 1.0
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 1
Mortgages Outstanding 1
Mortgages Part Satisfied 0
Mortgages Satisfied 0
Assets and Debt Analysis Unlock full report
Accounts Date 30-Apr-2025 30-Apr-2023 30-Apr-2022
Assets 223,821 223,821 236,366
Debt 218,821 218,821 231,366
Net Assets/Debt 5,000 5,000 5,000

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.

Current debt exceeded short term liquid assets as at the balance sheet date. We would normally view this in the context of other profitability and solvency indicators. Total reserves including retained profitability and movement in reserves has some deficiency. The balance sheet presents modest net assets. For the size of the company as inferred by the balance sheet the amount of net assets represents a relatively small margin of cover over 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.Current debt exceeded short term liquid assets as at the balance sheet date. We would normally view this in the context of other profitability and solvency indicators. Total reserves including retained profitability and movement in reserves has some deficiency. The balance sheet presents modest net assets. For the size of the company as inferred by the balance sheet the amount of net assets represents a relatively small margin of cover over 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.Current debt exceeded short term liquid assets as at the balance sheet date. We would normally view this in the context of other profitability and solvency indicators. Total reserves including retained profitability and movement in reserves has some deficiency. The balance sheet presents modest net assets. For the size of the company as inferred by the balance sheet the amount of net assets represents a relatively small margin of cover over 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
Other Business around ME13 8PN
GOODSPIRE LIMITED
8 CROSS LANE, FAVERSHAM, KENT, ME13 8PN
GOODSPIRE PROPERTY LIMITED
8 CROSS LANE, FAVERSHAM, ME13 8PN
Document Filings
Confirmation statement made on 31 October 2025 with no updates
Change of details for Mr Alexander James Milham as a person with significant control on 31 October 2025
Registration of charge 044345460001, created on 9 July 2025
Confirmation statement made on 31 October 2024 with no updates
Purchase of own shares.
Change of details for Mr Alexander James Milham as a person with significant control on 31 October 2023
Notification of Emily Caitlin Scragg as a person with significant control on 31 October 2023
Appointment of Ms Emily Caitlin Scragg as a director on 31 October 2023
Confirmation statement made on 31 October 2023 with updates
Termination of appointment of David Geoffrey Milham as a director on 28 September 2023
Confirmation statement made on 10 April 2023 with no updates
Confirmation statement made on 10 April 2022 with no updates
Director's details changed for Mr David Geoffrey Milham on 21 April 2022
Confirmation statement made on 10 April 2021 with no updates
Confirmation statement made on 10 April 2020 with no updates
Statement of capital following an allotment of shares on 10 April 2019
Confirmation statement made on 10 April 2019 with updates
Notification of Alexander James Milham as a person with significant control on 4 September 2018
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