Company Overview
Change Associates Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Tuesday 22 February 2005, so this is a well established company. Change Associates Limited has been in business for 21 years and 1 month. The accounts status is total exemption full and the accounts are next due on Monday 30 November 2026.
Registered Address

18B New Quebec Street, London, W1H 7RX
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Companies House Data
Company NameCHANGE ASSOCIATES LIMITED
Company Number05372001
Registered Office Address18b New Quebec Street
 W1H 7RX
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date22/02/2005
Accounting Reference Date Day28
Accounting Reference Date Month2
Accounts Next Due Date30/11/2026
Accounts Last Made Up Date28/02/2025
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date22/03/2017
Returns Last Made Up Date22/02/2016
Directors & Members
Show Resigned
David Cruise - Director
(Irish, 56 years old, born October 1970)
Appointed 01 January 2017
 Active
Grahame Russell - Director
(British, 65 years old, born August 1961)
Appointed 26 July 2006
 Active
Secretaries
Show Resigned
Other Company Directorships
David Cruise
CHANGE ASSOCIATES HOLDINGS LIMITED
ELOQUENTIAL LIMITED
LEAN BUSINESS SYSTEM.COM LIMITED
PREOS TALENT LIMITED
S.A. PARTNERS LLP
Grahame Russell
CHANGE ASSOCIATES HOLDINGS LIMITED
KICKS DANCE LIMITED
PREOS TALENT LIMITED
Balance Sheet Unlock full report
Accounts Date 28-Feb-2025 28-Feb-2023 28-Feb-2022
Balance Sheet
Fixed Assets 7,848 7,848 8,871
Current Assets 1,945,318 1,945,318 1,570,690
Creditors Due Within One Year 1,147,720 1,147,720 1,066,918
Working Cap 797,598 797,598 503,772
Total Assets Less Current Liabilities 805,446 805,446 512,643
Long-term Liabilities 805,126 805,126 512,323
Net Assets 320 320 320
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 320 320 320
Common Size Financial Analysis Unlock full report
Accounts Date 28-Feb-2025 28-Feb-2023 28-Feb-2022
Tangible Fixed Assets - - -
Fixed Assets 0.4% 0.4% 0.6%
Stocks Inventory - - -
Debtors 80.5% 80.5% 61.9%
Cash Bank In Hand 19.1% 19.1% 37.5%
Current Assets 99.6% 99.6% 99.4%
Creditors Due Within One Year 58.8% 58.8% 67.5%
Net Current Assets Liabilities 40.8% 40.8% 31.9%
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 0.0% 0.0% 0.0%
Capital Employed - - -
Total Assets Less Current Liabilities 41.2% 41.2% 32.5%
Financial Ratio Analysis Unlock full report
Accounts Date 28-Feb-2025 28-Feb-2023 28-Feb-2022
Liquidity Ratio 1.7 1.7 1.5
Solvency Ratio 1.0 1.0 1.0
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 2
Mortgages Outstanding 2
Mortgages Part Satisfied 0
Mortgages Satisfied 0
Assets and Debt Analysis Unlock full report
Accounts Date 28-Feb-2025 28-Feb-2023 28-Feb-2022
Assets 1,953,166 1,953,166 1,579,561
Debt 1,952,846 1,952,846 1,579,241
Net Assets/Debt 320 320 320

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 has some deficiency. The balance sheet displays a very modest amount of 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.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 has some deficiency. The balance sheet displays a very modest amount of 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.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 has some deficiency. The balance sheet displays a very modest amount of 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 W1H 7RX
ANNA PAOLA LIMITED
PROFILE WEST SUITE 2, FIRST FLOOR, 950 GREAT WEST ROAD, BRENTFORD, W1H 7RX
Document Filings
Confirmation statement made on 22 February 2026 with no updates
Confirmation statement made on 22 February 2025 with no updates
Registration of charge 053720010002, created on 24 May 2024
Confirmation statement made on 22 February 2024 with no updates
Confirmation statement made on 22 February 2023 with updates
Notification of Change Associates Holdings Limited as a person with significant control on 30 June 2022
Cessation of David Patrick Cruise as a person with significant control on 30 June 2022
Cessation of Grahame Stuart Russell as a person with significant control on 30 June 2022
Confirmation statement made on 22 February 2022 with no updates
Confirmation statement made on 22 February 2021 with no updates
Confirmation statement made on 22 February 2020 with updates
Termination of appointment of Julia Ildiko Russell as a director on 20 February 2020
Termination of appointment of Julia Ildiko Russell as a secretary on 20 February 2020
Confirmation statement made on 22 February 2019 with updates
Notification of David Cruise as a person with significant control on 31 May 2018
Statement of capital following an allotment of shares on 31 May 2018
Statement of capital following an allotment of shares on 28 May 2018
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