Company Overview
Spiro`S (Cardiff) Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Tuesday 11 March 2003, so this is a well established company. Spiro`S (Cardiff) Limited has been in business for 23 years. The accounts status is total exemption full and the accounts are next due on Sunday 28 December 2025.
Registered Address

Cornerstone, Charles Street, Cardiff, CF10 2GA
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Companies House Data
Company NameSPIRO`S (CARDIFF) LIMITED
Company Number04693352
Registered Office AddressCornerstone
 Charles Street
 CF10 2GA
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date11/03/2003
Accounting Reference Date Day28
Accounting Reference Date Month3
Accounts Next Due Date28/12/2025
Accounts Last Made Up Date31/03/2024
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date29/05/2017
Returns Last Made Up Date01/05/2016
Directors & Members
Show Resigned
Spiro Borg - Director
(British, 61 years old, born January 1965)
Appointed 11 March 2003
 Active
Lisa Borg - Director
(British, 52 years old, born December 1974)
Appointed 23 August 2010
 Active
Secretaries
Show Resigned
Lisa Borg - Secretary
(British)
Appointed 11 March 2003
 Active
Other Company Directorships
Spiro Borg
DYFFRYN SPRINGS CATERING LIMITED
SPIRO'S FINE WINE MERCHANTS LIMITED
Lisa Borg
DYFFRYN SPRINGS CATERING LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Mar-2024 30-Sep-2020 30-Sep-2019
Balance Sheet
Fixed Assets 362,920 362,920 379,773
Current Assets 225,534 225,534 174,815
Creditors Due Within One Year 384,464 384,464 469,619
Working Cap -158,930 -158,930 -294,804
Total Assets Less Current Liabilities 203,990 203,990 84,969
Long-term Liabilities 197,141 197,141 80,974
Net Assets 6,849 6,849 3,995
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 6,849 6,849 3,995
Common Size Financial Analysis Unlock full report
Accounts Date 31-Mar-2024 30-Sep-2020 30-Sep-2019
Tangible Fixed Assets - - -
Fixed Assets 61.7% 61.7% 68.5%
Stocks Inventory - - -
Debtors 35.0% 35.0% 27.9%
Cash Bank In Hand 2.1% 2.1% 0.4%
Current Assets 38.3% 38.3% 31.5%
Creditors Due Within One Year 65.3% 65.3% 84.7%
Net Current Assets Liabilities -27.0% -27.0% -53.2%
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 1.2% 1.2% 0.7%
Capital Employed - - -
Total Assets Less Current Liabilities 34.7% 34.7% 15.3%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Mar-2024 30-Sep-2020 30-Sep-2019
Liquidity Ratio 0.6 0.6 0.4
Solvency Ratio 1.0 1.0 1.0
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 3
Mortgages Outstanding 2
Mortgages Part Satisfied 0
Mortgages Satisfied 1
Assets and Debt Analysis Unlock full report
Accounts Date 31-Mar-2024 30-Sep-2020 30-Sep-2019
Assets 588,454 588,454 554,588
Debt 581,605 581,605 550,593
Net Assets/Debt 6,849 6,849 3,995

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 appeared positive. We would normally view a company positively for this. 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 slender margin of cover over total debts and obligations. The latest accounts are not up-to-date. Later accounts are now overdue. Late filing is not a positive factor. Analysis based on the latest figures available must be taken in the context that the figures are not up-to-date.

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 appeared positive. We would normally view a company positively for this. 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 slender margin of cover over total debts and obligations. The latest accounts are not up-to-date. Later accounts are now overdue. Late filing is not a positive factor. Analysis based on the latest figures available must be taken in the context that the figures are not up-to-date.   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 appeared positive. We would normally view a company positively for this. 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 slender margin of cover over total debts and obligations. The latest accounts are not up-to-date. Later accounts are now overdue. Late filing is not a positive factor. Analysis based on the latest figures available must be taken in the context that the figures are not up-to-date.

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 CF10 2GA
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31 Charles Street, Cardiff, South Glamorgan, CF10 2GA
THE MODERN CURTAIN COMPANY LIMITED
31 Charles Street, Cardiff, CF10 2GA
Document Filings
Confirmation statement made on 1 May 2025 with updates
Confirmation statement made on
Memorandum and Articles of Association
Resolutions
Sub-division of shares on 26 January 2024
Change of share class name or designation
Particulars of variation of rights attached to shares
Confirmation statement made on 1 May 2023 with no updates
Director's details changed for Mr Spiro Borg on 23 September 2022
Director's details changed for Mrs Lisa Christine Borg on 23 September 2022
Secretary's details changed for Lisa Christine Borg on 23 September 2022
Change of details for Mr Spiro Borg as a person with significant control on 23 September 2022
Change of details for Mrs Lisa Christine Borg as a person with significant control on 23 September 2022
Registered office address changed from St. Peters Hall Saint Peters Street Roath Cardiff South Glamorgan CF24 3BA to Cornerstone Charles Street Cardiff CF10 2GA on 23 September 2022
Confirmation statement made on 1 May 2022 with updates
Previous accounting period extended from 28 September 2021 to 28 March 2022
Confirmation statement made on 1 May 2021 with updates
Previous accounting period shortened from 29 September 2019 to 28 September 2019
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