Company Overview
Cashflows Europe Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Tuesday 19 April 2005, so this is a well established company. Cashflows Europe Limited has been in business for 20 years and 11 months. The accounts status is group and the accounts are next due on Wednesday 30 September 2026.
Registered Address

11-12 Hanover Square 2Nd Floor, London, W1S 1JJ
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Companies House Data
Company NameCASHFLOWS EUROPE LIMITED
Company Number05428358
Registered Office Address11-12 Hanover Square 2nd Floor
 W1S 1JJ
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date19/04/2005
Accounting Reference Date Day31
Accounting Reference Date Month12
Accounts Next Due Date30/09/2026
Accounts Last Made Up Date31/12/2024
Accounts Account CategoryGROUP
Returns Next Due Date22/05/2017
Returns Last Made Up Date24/04/2016
Previous Company NameChanged Date
VOICE COMMERCE LIMITED06 Nov 2015
Directors & Members
Show Resigned
Steven Cooper - Director
(British, 56 years old, born April 1970)
Appointed 04 February 2019
 Active
Hannah Fitzsimons - Director
(British, 51 years old, born May 1975)
Appointed 01 May 2022
 Active
Ian Gascoigne - Director
(British, 45 years old, born September 1981)
Appointed 30 October 2013
 Active
Simon Haslam - Director
(British, 65 years old, born November 1961)
Appointed 24 August 2021
 Active
Marion King - Director
(British, 68 years old, born May 1958)
Appointed 07 December 2022
 Active
Julian Leigh - Director
(British, 52 years old, born February 1974)
Appointed 19 February 2018
 Active
Lindsey McMurray - Director
(British, 55 years old, born January 1971)
Appointed 26 September 2017
 Active
Secretaries
Show Resigned
Other Company Directorships
Steven Cooper
No companies found
Hannah Fitzsimons
CASHFLOWS HOLDINGS LIMITED
ELAVON DIGITAL (GB) LIMITED
ELAVON DIGITAL EUROPE LIMITED
Ian Gascoigne
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AMARIS & LEVANA LODGE RTM COMPANY LIMITED
CASHFLOWS HOLDINGS LIMITED
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VOCALINK HOLDINGS LIMITED
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FREMAN COLLEGE
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Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2012 31-Dec-2011
Balance Sheet
Fixed Assets 1,393,876 1,393,876 1,000,001
Current Assets 20,950,425 20,950,425 10,629,585
Creditors Due Within One Year 19,724,040 19,724,040 11,251,333
Working Cap 1,226,385 1,226,385 -621,748
Total Assets Less Current Liabilities 2,620,261 2,620,261 378,253
Long-term Liabilities 0 0 0
Net Assets 2,620,261 2,620,261 378,253
Share Capital & Reserves
Share Cap 6,350,100 6,350,100 590,100
Profit & Loss Reserves -3,889,839 -3,889,839 -371,847
Other Reserves 160,000 160,000 160,000
Shareholders Funds 2,620,261 2,620,261 378,253
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2012 31-Dec-2011
Tangible Fixed Assets - - -
Fixed Assets 6.2% 6.2% 8.6%
Stocks Inventory 0.0% 0.0% 0.0%
Debtors 18.6% 18.6% 35.8%
Cash Bank In Hand 65.0% 65.0% 55.6%
Current Assets 93.8% 93.8% 91.4%
Creditors Due Within One Year 88.3% 88.3% 96.7%
Net Current Assets Liabilities 5.5% 5.5% -5.3%
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 11.7% 11.7% 3.3%
Called Up Share Capital 28.4% 28.4% 5.1%
Share Capital Allotted Called Up Paid 28.4% 28.4% 5.1%
Profit Loss Account Reserve -17.4% -17.4% -3.2%
Shareholder Funds 11.7% 11.7% 3.3%
Capital Employed - - -
Total Assets Less Current Liabilities 11.7% 11.7% 3.3%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2012 31-Dec-2011
Liquidity Ratio 1.1 1.1 0.9
Solvency Ratio 1.1 1.1 1.0
Reserves to Assets -0.2 -0.2 0.0
Secured Creditors Unlock full report
Mortgages Charges 6
Mortgages Outstanding 0
Mortgages Part Satisfied 1
Mortgages Satisfied 5
Assets and Debt Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2012 31-Dec-2011
Assets 22,344,301 22,344,301 11,629,586
Debt 19,724,040 19,724,040 11,251,333
Net Assets/Debt 2,620,261 2,620,261 378,253

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 current section of the balance sheet has positive working capital. We would normally consider this positively. Total reserves including retained profitability and movement in reserves has some deficiency. For the size of the company inferred by the balance sheet this level of net assets suggests total debts and obligations were moderately well covered.

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 current section of the balance sheet has positive working capital. We would normally consider this positively. Total reserves including retained profitability and movement in reserves has some deficiency. For the size of the company inferred by the balance sheet this level of net assets suggests total debts and obligations were moderately well covered.   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 current section of the balance sheet has positive working capital. We would normally consider this positively. Total reserves including retained profitability and movement in reserves has some deficiency. For the size of the company inferred by the balance sheet this level of net assets suggests total debts and obligations were moderately well covered.

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 W1S 1JJ
No other companies found in the same location
Document Filings
Confirmation statement made on 27 November 2025 with updates
Statement of capital following an allotment of shares on 31 July 2025
Notification of Cashflows Holdings Limited as a person with significant control on 16 July 2025
Cessation of Rgb Holding Limited as a person with significant control on 16 July 2025
Statement of capital following an allotment of shares on 27 June 2025
Satisfaction of charge 054283580006 in part
Termination of appointment of Michelle Ying-Chi Ho as a secretary on 31 January 2025
Resolutions
Confirmation statement made on 27 November 2024 with updates
Statement of capital following an allotment of shares on 18 November 2024
Resolutions
Resolutions
Memorandum and Articles of Association
Memorandum and Articles of Association
Confirmation statement made on 2 January 2024 with updates
Statement of capital following an allotment of shares on 28 December 2023
Satisfaction of charge 1 in full
Satisfaction of charge 2 in full
Satisfaction of charge 4 in full
Memorandum and Articles of Association
Resolutions
Satisfaction of charge 054283580005 in full
Registration of charge 054283580006, created on 25 August 2023
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