CARDSAVE HOLDINGS LIMITED Credit Check Report

Company Overview

Cardsave Holdings Limited is a Dissolved Private Limited Company.

Registered Address

Parkway Offices, Acorn Business Park, Moss Road, Grimsby, South Humberside, DN32 0LW

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Companies House Data

Company Name	CARDSAVE HOLDINGS LIMITED
Company Number	05207657
Registered Office Address	Parkway Offices
	Acorn Business Park, Moss Road
	DN32 0LW
Company Category	Private Limited Company
Company Status	Dissolved
Country of Origin	United Kingdom
Incorporation Date	17/08/2004
Accounting Reference Date Day	31
Accounting Reference Date Month	1
Accounts Next Due Date	31/10/2016
Accounts Last Made Up Date	31/12/2014
Accounts Account Category	FULL
Returns Next Due Date	14/09/2016
Returns Last Made Up Date	17/08/2015

Previous Company Name	Changed Date
BROOMCO (3521) LIMITED	08 Dec 2004

Directors & Members

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	Joanna Baker - Director (British, 52 years old, born March 1974) Appointed 14 December 2015	Active
	Paul Bentham - Director (British, 66 years old, born September 1960) Appointed 28 January 2005, Resigned 23 April 2007	Resigned
	Aidan Connolly - Director (British, 69 years old, born August 1957) Appointed 01 June 2013, Resigned 26 March 2014	Resigned
	Frank D'hollander - Director (Belgian, 54 years old, born February 1972) Appointed 26 March 2014, Resigned 12 October 2015	Resigned
	Anthony Dann - Director (British, 54 years old, born May 1972) Appointed 06 July 2005, Resigned 31 December 2014	Resigned
	John Dillon - Director (British, 66 years old, born November 1960) Appointed 29 October 2004, Resigned 09 August 2007	Resigned
	Stephen Hart - Director (British, 55 years old, born January 1971) Appointed 20 December 2010, Resigned 13 July 2011	Resigned
	David Hobday - Director (British, 65 years old, born January 1961) Appointed 26 March 2014	Active
	Duncan Johnson - Director (British, 56 years old, born May 1970) Appointed 29 October 2004, Resigned 01 April 2005	Resigned
	Clive Kahn - Director (British, 69 years old, born October 1957) Appointed 09 August 2007, Resigned 01 September 2014	Resigned
	Ron Kalifa - Director (British, 65 years old, born April 1961) Appointed 20 December 2010, Resigned 26 March 2014	Resigned
	Ralph Kanter - Director (British, 89 years old, born October 1937) Appointed 01 April 2005, Resigned 09 August 2007	Resigned
	Kevin O'keefe - Director (American, 53 years old, born October 1973) Appointed 14 December 2015	Active
	James Ormonde - Director (British, 55 years old, born June 1971) Appointed 29 October 2004, Resigned 09 August 2007	Resigned
	Gareth Poppleton - Director (British, 55 years old, born November 1971) Appointed 29 October 2004, Resigned 06 July 2005	Resigned
	Jonathan Riggall - Director (British, 75 years old, born February 1951) Appointed 29 October 2004, Resigned 27 April 2006	Resigned
	Ian Ryder - Director (British, 60 years old, born November 1966) Appointed 29 October 2004, Resigned 25 September 2009	Resigned
	David Wilson - Director (British, 65 years old, born April 1961) Appointed 26 March 2014, Resigned 14 December 2015	Resigned
	Darren Wilson - Director (British, 59 years old, born September 1967) Appointed 01 June 2013, Resigned 01 August 2013	Resigned
	Dla Nominees Limited - Nominee Director Appointed 17 August 2004, Resigned 29 October 2004	Resigned
	Dla Secretarial Services Limited - Nominee Director Appointed 17 August 2004, Resigned 29 October 2004	Resigned
	Dla Secretarial Services Limited - Nominee Secretary Appointed 17 August 2004, Resigned 29 October 2004	Resigned

Secretaries

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	Anthony Dann - Secretary (British) Appointed 06 July 2005, Resigned 31 December 2014	Resigned
	Gareth Poppleton - Secretary (British) Appointed 29 October 2004, Resigned 06 July 2005	Resigned
	Dla Secretarial Services Limited - Nominee Secretary Appointed 17 August 2004, Resigned 29 October 2004	Resigned

Other Company Directorships

Joanna Baker
CARDSAVE (UK) LIMITED
CARDSAVE ACQUISITIONS LIMITED
CARDSAVE COMMUNITY LIMITED
CARDSAVE EBT LIMITED
CARDSAVE FINANCE LIMITED
CARDSAVE GROUP LIMITED
CARDSAVE MERCHANT SERVICES LIMITED
CARDSAVE ONLINE LIMITED
EVERLINE FINANCIAL SERVICES LIMITED
RAC BIDCO LIMITED
RAC BOND CO PLC
RAC CARS LIMITED
RAC FINANCIAL SERVICES LIMITED
RAC GROUP (HOLDINGS) LIMITED
RAC GROUP LIMITED
RAC INSURANCE LIMITED
RAC LIMITED
RAC MIDCO II LIMITED
RAC MIDCO LIMITED
RAC MOTORING SERVICES
RAC MOTORING SERVICES (HOLDINGS) LIMITED
RISK TELEMATICS UK LIMITED
ROYAL AUTOMOBILE CLUB FOUNDATION FOR MOTORING LIMITED
WDFC SERVICES LIMITED
WDFC UK LIMITED
WONGA WORLDWIDE LIMITED
WONGA.COM LIMITED

David Hobday
No companies found

Kevin O'keefe
CARDSAVE (UK) LIMITED
CARDSAVE ACQUISITIONS LIMITED
CARDSAVE COMMUNITY LIMITED
CARDSAVE EBT LIMITED
CARDSAVE FINANCE LIMITED
CARDSAVE GROUP LIMITED
CARDSAVE MERCHANT SERVICES LIMITED
CARDSAVE ONLINE LIMITED
CARDSAVE TERMINALS LIMITED
MODACS LIMITED
RETAIL MERCHANT FINANCE LIMITED
RETAIL MERCHANT GROUP LIMITED
RETAIL MERCHANT SERVICES LIMITED
RMS HOLDCO LIMITED

Balance Sheet

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Accounts Date	31-Dec-2014	30-Apr-2012	30-Apr-2011
Balance Sheet
Fixed Assets	32,910,656	32,910,656	32,910,656
Current Assets	5,034,959	5,034,959	4,355,768
Creditors Due Within One Year	43,504,683	43,504,683	41,622,302
Working Cap	-38,469,724	-38,469,724	-37,266,534
Total Assets Less Current Liabilities	-5,559,068	-5,559,068	-4,355,878
Long-term Liabilities	0	0	0
Net Assets	-5,559,068	-5,559,068	-4,355,878
Share Capital & Reserves
Share Cap	6,455	6,455	6,455
Profit & Loss Reserves	-6,486,860	-6,486,860	-5,283,670
Other Reserves	921,337	921,337	921,337
Shareholders Funds	-5,559,068	-5,559,068	-4,355,878

Common Size Financial Analysis

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Accounts Date	31-Dec-2014	30-Apr-2012	30-Apr-2011
Tangible Fixed Assets	-	-	-
Fixed Assets	86.7%	86.7%	88.3%
Stocks Inventory	0.0%	0.0%	0.0%
Debtors	13.2%	13.2%	11.6%
Cash Bank In Hand	0.1%	0.1%	0.1%
Current Assets	13.3%	13.3%	11.7%
Creditors Due Within One Year	114.7%	114.7%	111.7%
Net Current Assets Liabilities	-101.4%	-101.4%	-100.0%
Creditors Due After One Year	0.0%	0.0%	0.0%
Accruals Deferred Income	-	-	-
Provisions For Liabilities Charges	-	-	-
Net Assets Liabilities Including Pension Asset Liability	-14.7%	-14.7%	-11.7%
Called Up Share Capital	0.0%	0.0%	0.0%
Share Capital Allotted Called Up Paid	0.0%	0.0%	0.0%
Profit Loss Account Reserve	-17.1%	-17.1%	-14.2%
Shareholder Funds	-14.7%	-14.7%	-11.7%
Capital Employed	-	-	-
Total Assets Less Current Liabilities	-14.7%	-14.7%	-11.7%

Financial Ratio Analysis

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Accounts Date	31-Dec-2014	30-Apr-2012	30-Apr-2011
Liquidity Ratio	0.1	0.1	0.1
Solvency Ratio	0.9	0.9	0.9
Reserves to Assets	-0.2	-0.2	-0.1

Secured Creditors

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Mortgages Charges	2
Mortgages Outstanding	0
Mortgages Part Satisfied	0
Mortgages Satisfied	2

Assets and Debt Analysis

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Accounts Date	31-Dec-2014	30-Apr-2012	30-Apr-2011
Assets	37,945,615	37,945,615	37,266,424
Debt	43,504,683	43,504,683	41,622,302
Net Assets/Debt	-5,559,068	-5,559,068	-4,355,878

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Public Record Information

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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

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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

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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

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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

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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)

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

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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

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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 DN32 0LW

	CARDSAVE GROUP LIMITED Cardsave 10 Parkway Offices, Acorn Business Park Moss Road, Grimsby, North East Lincolnshire, DN32 0LW
	CARDSAVE ACQUISITIONS LIMITED Cardsave, Acorn Business Park, Moss Road, Grimsby, South Humberside, DN32 0LW
	CARDSAVE FINANCE LIMITED 10 Parkway Offices, Acorn Business Park Moss Road, Grimsby, North East Lincolnshire, DN32 0LW
	CARDSAVE COMMUNITY LIMITED Parkway Offices Acorn Business Park, Moss Road, Grimsby, North East Lincolnshire, DN32 0LW
	CARDSAVE MERCHANT SERVICES LIMITED Parkway Offices Acorn Business Park, Moss Road, Grimsby, North East Lincolnshire, DN32 0LW
	CARDSAVE TERMINALS LIMITED Parkway Offices, Acorn Business, Park, Moss Road, Grimsby, North East Lincolnshire, DN32 0LW
	MODACS LIMITED Parkway Offices, Acorn Business, Park, Moss Road, Grimsby, North East Lincolnshire, DN32 0LW
	CARDSAVE EBT LIMITED Parkway Offices, Acorn Business, Park, Moss Road, Grimsby, Lincolnshire, DN32 0LW
	CARDSAVE ONLINE LIMITED Parkway Offices Acorn Business Park, Moss Road, Grimsby, Lincolnshire, DN32 0LW

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