Company Overview
Payonomy Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Monday 10 April 2006, so this is a well established company. Payonomy Limited has been in business for 20 years. The accounts status is total exemption full and the accounts are next due on Wednesday 30 September 2026.
Registered Address

2 The Links, Herne Bay, Kent, CT6 7GQ
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Companies House Data
Company NamePAYONOMY LIMITED
Company Number05776010
Registered Office Address2 The Links
 CT6 7GQ
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date10/04/2006
Accounting Reference Date Day31
Accounting Reference Date Month12
Accounts Next Due Date30/09/2026
Accounts Last Made Up Date31/12/2024
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date08/05/2017
Returns Last Made Up Date10/04/2016
Previous Company NameChanged Date
INTELLIGENT PAYMENT SOLUTIONS LIMITED05 Mar 2009
Directors & Members
Show Resigned
Moritz Birke - Director
(German, 36 years old, born August 1990)
Appointed 31 March 2024
 Active
Nicholas Chaffe - Director
(British, 51 years old, born October 1975)
Appointed 19 December 2018
 Active
James Gasteen - Director
(British, 46 years old, born January 1980)
Appointed 31 March 2024
 Active
James Smith - Director
(English, 49 years old, born December 1977)
Appointed 30 September 2022
 Active
Ohs Secretaries Limited - Secretary
Appointed 10 October 2025
 Active
Secretaries
Show Resigned
Ohs Secretaries Limited - Secretary
Appointed 10 October 2025
 Active
Other Company Directorships
Moritz Birke
IMPROVED APPS LTD
UNARIC HOLDING LIMITED
UNARIC SOFTWARE LIMITED
Nicholas Chaffe
No companies found
James Gasteen
No companies found
James Smith
EDWARD JAMES CONSULTING LIMITED
GIFTAG LIMITED
HOOSE LTD
Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 31-Jan-2023 31-Jan-2022
Balance Sheet
Fixed Assets 5,761 5,761 4,122
Current Assets 798,923 798,923 633,888
Creditors Due Within One Year 932,220 932,220 697,650
Working Cap -133,297 -133,297 -63,762
Total Assets Less Current Liabilities -127,536 -127,536 -59,640
Long-term Liabilities 42,861 42,861 42,763
Net Assets -170,397 -170,397 -102,403
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds -170,397 -170,397 -102,403
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Jan-2023 31-Jan-2022
Tangible Fixed Assets - - -
Fixed Assets 0.7% 0.7% 0.6%
Stocks Inventory - - -
Debtors 47.7% 47.7% 46.8%
Cash Bank In Hand 51.6% 51.6% 52.5%
Current Assets 99.3% 99.3% 99.4%
Creditors Due Within One Year 115.8% 115.8% 109.3%
Net Current Assets Liabilities -16.6% -16.6% -10.0%
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 -21.2% -21.2% -16.1%
Capital Employed - - -
Total Assets Less Current Liabilities -15.8% -15.8% -9.3%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Jan-2023 31-Jan-2022
Liquidity Ratio 0.9 0.9 0.9
Solvency Ratio 0.8 0.8 0.9
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 1
Mortgages Outstanding 0
Mortgages Part Satisfied 0
Mortgages Satisfied 1
Assets and Debt Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Jan-2023 31-Jan-2022
Assets 804,684 804,684 638,010
Debt 975,081 975,081 740,413
Net Assets/Debt -170,397 -170,397 -102,403

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.

As at the balance sheet date short term liquid assets were less than current debt. We would normally view this in the context of other profitability and solvency indicators. Total reserves including retained profitability and movement in reserves has some deficiency. The balance sheet net assets figure is negative.

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.As at the balance sheet date short term liquid assets were less than current debt. We would normally view this in the context of other profitability and solvency indicators. Total reserves including retained profitability and movement in reserves has some deficiency. The balance sheet net assets figure is negative.   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.As at the balance sheet date short term liquid assets were less than current debt. We would normally view this in the context of other profitability and solvency indicators. Total reserves including retained profitability and movement in reserves has some deficiency. The balance sheet net assets figure is negative.

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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Document Filings
Confirmation statement made on 10 April 2026 with updates
Director's details changed for Mr Nicholas Steven Chaffe on 3 November 2025
Registered office address changed from 2 the Links Herne Bay Kent CT6 7GQ England to 9th Floor 107 Cheapside London EC2V 6DN on 3 November 2025
Appointment of Ohs Secretaries Limited as a secretary on 10 October 2025
Confirmation statement made on 10 April 2025 with updates
Previous accounting period shortened from 31 January 2025 to 31 December 2024
Confirmation statement made on 10 April 2024 with updates
Memorandum and Articles of Association
Resolutions
Appointment of Mr James Gasteen as a director on 31 March 2024
Appointment of Mr Moritz Paul Birke as a director on 31 March 2024
Notification of Unaric Limited as a person with significant control on 31 March 2024
Cessation of Lawrence David Melville as a person with significant control on 31 March 2024
Termination of appointment of Lawrence David Melville as a secretary on 31 March 2024
Termination of appointment of Marcus Vaigncourt-Strallen as a director on 31 March 2024
Termination of appointment of Lawrence David Melville as a director on 31 March 2024
Statement of capital following an allotment of shares on 31 March 2024
Memorandum and Articles of Association
Resolutions
Confirmation statement made on 10 April 2023 with updates
Appointment of Mr James Andrew Edward Smith as a director on 30 September 2022
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