Company Overview
Wander Finance Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Monday 28 April 2003, so this is a well established company. Wander Finance Limited has been in business for 22 years and 11 months. The accounts status is unaudited abridged and the accounts are next due on Saturday 31 January 2026.
Registered Address

The Hill, Sinfin Lane, Barrow On Trent, Derbyshire, DE73 7HH
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Companies House Data
Company NameWANDER FINANCE LIMITED
Company Number04746119
Registered Office AddressThe Hill
 Sinfin Lane
 DE73 7HH
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date28/04/2003
Accounting Reference Date Day30
Accounting Reference Date Month4
Accounts Next Due Date31/01/2027
Accounts Last Made Up Date30/04/2025
Accounts Account CategoryUNAUDITED ABRIDGED
Returns Next Due Date26/05/2017
Returns Last Made Up Date28/04/2016
Directors & Members
Show Resigned
Baljit Atwal - Director
(British, 43 years old, born August 1983)
Appointed 08 July 2003
 Active
Ranjit Jones - Director
(British, 49 years old, born December 1977)
Appointed 14 October 2020
 Active
Secretaries
Show Resigned
Kulbir Atwal - Secretary
(British)
Appointed 09 July 2003
 Active
Other Company Directorships
Baljit Atwal
BALBURR LIMITED
DEVELOPMENT AND ESTATE LIMITED
MILL WHEEL (HARTSHORNE) LIMITED
RUSHDEN ENTERPRISES LIMITED
SLICE OF INDIA LIMITED
STRUTT ARMS LIMITED
TROJAN CONSTRUCTION (SERVICES) LIMITED
Ranjit Jones
No companies found
Balance Sheet Unlock full report
Accounts Date 30-Apr-2025 30-Apr-2022 30-Apr-2021
Balance Sheet
Fixed Assets 922,035 922,035 905,335
Current Assets 56,755 56,755 29,018
Creditors Due Within One Year 137,145 137,145 129,286
Working Cap -80,390 -80,390 -100,268
Total Assets Less Current Liabilities 841,645 841,645 805,067
Long-term Liabilities 173,779 173,779 782,953
Net Assets 667,866 667,866 22,114
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 667,866 667,866 22,114
Common Size Financial Analysis Unlock full report
Accounts Date 30-Apr-2025 30-Apr-2022 30-Apr-2021
Tangible Fixed Assets - - -
Fixed Assets 94.2% 94.2% 96.9%
Stocks Inventory - - -
Debtors 0.7% 0.7% 0.4%
Cash Bank In Hand 5.1% 5.1% 2.7%
Current Assets 5.8% 5.8% 3.1%
Creditors Due Within One Year 14.0% 14.0% 13.8%
Net Current Assets Liabilities -8.2% -8.2% -10.7%
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 68.2% 68.2% 2.4%
Capital Employed - - -
Total Assets Less Current Liabilities 86.0% 86.0% 86.2%
Financial Ratio Analysis Unlock full report
Accounts Date 30-Apr-2025 30-Apr-2022 30-Apr-2021
Liquidity Ratio 0.4 0.4 0.2
Solvency Ratio 3.1 3.1 1.0
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 4
Mortgages Outstanding 4
Mortgages Part Satisfied 0
Mortgages Satisfied 0
Assets and Debt Analysis Unlock full report
Accounts Date 30-Apr-2025 30-Apr-2022 30-Apr-2021
Assets 978,790 978,790 934,353
Debt 310,924 310,924 912,239
Net Assets/Debt 667,866 667,866 22,114

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. 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.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. 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.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. 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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RUSHDEN ENTERPRISES LIMITED
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MILL WHEEL (HARTSHORNE) LIMITED
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STRUTT ARMS LIMITED
THE HILL HOUSE SINFIN LANE, BARROW ON TRENT, DERBY, DE73 7HH
CHELLASTON CARS LTD
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VILLAGE CARS (S.D) LIMITED
UNIT 43 DOVESITE BUSINESS PARK THE COMMON, MELBOURNE, DERBY, DE73 7HH
SWANBANK PROPERTIES LIMITED
THE HILL SINFIN LANE, BARROW ON TRENT, DERBY, DERBYSHIRE, DE73 7HH
CHELLASTON CARS UK LTD
134 CLARENCE ROAD, DERBY, DE73 7HH
DEVELOPMENT AND ESTATE LIMITED
THE HILL, SINFIN LANE, BARROW ON TRENT, DE73 7HH
AGENCYFEMMEFATALE LIMITED
74 Main Road Main Road, Smalley, Ilkeston, DE73 7HH
Document Filings
Change of details for Ranjit Atwal as a person with significant control on 14 October 2020
Confirmation statement made on 28 April 2025 with no updates
Confirmation statement made on 28 April 2024 with no updates
Confirmation statement made on 28 April 2023 with updates
Confirmation statement made on 28 April 2022 with updates
Confirmation statement made on 28 April 2021 with updates
Appointment of Ranjit Kaur Jones as a director on 14 October 2020
Termination of appointment of Michael Doyle as a director on 18 June 2020
Confirmation statement made on 28 April 2020 with updates
Confirmation statement made on 28 April 2019 with updates
Confirmation statement made on 28 April 2018 with updates
Confirmation statement made on 28 April 2017 with updates
Registration of charge 047461190004, created on 23 January 2017
Registration of charge 047461190003, created on 25 August 2016
Annual return made up to 28 April 2016 with full list of shareholders
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