Company Overview
Time Finance Plc is listed at the official companies registry as Active Public Limited Company. The company was incorporated on Wednesday 14 June 2006, so this is a well established company. Time Finance Plc has been in business for 19 years and 9 months. The accounts status is group and the accounts are next due on Monday 30 November 2026.
Registered Address

2Nd Floor, St James House The Square, Lower Bristol Road, Bath, BA2 3BH
Credit Reports Available

These credit rating reports are available now:


Credit Analysts Report
Get Report >>

Standard Credit Report
Get Report >>

Basic Credit Report
Get Report >>

24/7 credit rating data feed - no UK company credit reports are updated faster

Companies House Data
Company NameTIME FINANCE PLC
Company Number05845866
Registered Office Address2nd Floor, St James House The Square
 Lower Bristol Road
 BA2 3BH
Company CategoryPublic Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date14/06/2006
Accounting Reference Date Day31
Accounting Reference Date Month5
Accounts Next Due Date30/11/2026
Accounts Last Made Up Date31/05/2025
Accounts Account CategoryGROUP
Returns Next Due Date12/07/2017
Returns Last Made Up Date14/06/2016
Previous Company NameChanged Date
1PM PLC06 Dec 2020
Directors & Members
Show Resigned
Paul Hird - Director
(British, 67 years old, born March 1959)
Appointed 19 September 2023
 Active
Tanya Raynes - Director
(British, 55 years old, born January 1971)
Appointed 25 March 2021
 Active
Edward Rimmer - Director
(British, 54 years old, born July 1972)
Appointed 19 February 2021
 Active
James Roberts - Director
(British, 49 years old, born September 1977)
Appointed 02 May 2017
 Active
Tracy Watkinson - Director
(British, 50 years old, born July 1976)
Appointed 19 September 2023
 Active
Secretaries
Show Resigned
James Roberts - Secretary
Appointed 14 April 2022
 Active
Other Company Directorships
Paul Hird
ABN AMRO COMMERCIAL FINANCE PLC
DYNAMIC COMMERCIAL FINANCE LIMITED
LEUMI UK GROUP LIMITED
PH&HH CONSULTANCY LIMITED
PRESTON NOMADS CRICKET CLUB
SALISBURY COURT (HOVE NO 2) MANAGEMENT COMPANY LIMITED
SALISBURY COURT HOVE (FREEHOLD) LIMITED
THPH INVESTMENTS 3 LTD
WOODSIDE COURT (ISLE OF WIGHT) LIMITED
Tanya Raynes
AIRPART SUPPLY LIMITED
CENTRELINE AV LIMITED
COMMERCIAL LEASING LIMITED
COURIER FACILITIES LIMITED
ELM GROVE SECURITIES LIMITED
RIVER BOURNE COMMUNITY FARM CIC
WEDMORE FIRST SCHOOL ACADEMY AND NURSERY
WESSEX LEARNING TRUST
Edward Rimmer
1PM (UK) LIMITED
ACADEMY LEASING LIMITED
BELL FINANCE LIMITED
BIBBY UK TRAVEL
BRADGATE BUSINESS FINANCE LIMITED
CAR FINANCE 2U LTD
CHILTON WILLIAMS LIMITED
CLOCK FINANCE LIMITED
GENER8 FINANCE HOLDINGS LIMITED
GENER8 FINANCE LIMITED
INTELLIGENT FINANCING LIMITED
ONEPM COMMERCIAL FINANCE LIMITED
POSITIVE CASH FLOW FINANCE LIMITED
POSITIVE CASHFLOW FINANCE (HOLDINGS) LIMITED
STERLING ASSET FINANCE (UK) LTD
SYSTEM TRAINING LIMITED
TIME BROKER FINANCE LIMITED
TIME COMMERCIAL FINANCE LIMITED
TIME HARD ASSET FINANCE LIMITED
TIME INVOICE FINANCE (SOUTH) LIMITED
TIME INVOICE FINANCE LIMITED
TIME LOAN FINANCE LIMITED
TIME PROPERTY FINANCE LIMITED
TIME VEHICLE FINANCE LIMITED
TIME VENDOR FINANCE LIMITED
James Roberts
1PM (UK) LIMITED
ACADEMY LEASING LIMITED
BELL FINANCE LIMITED
BRADGATE BUSINESS FINANCE LIMITED
CHILTON WILLIAMS LIMITED
CLOCK FINANCE LIMITED
GENER8 FINANCE HOLDINGS LIMITED
GENER8 FINANCE LIMITED
INTELLIGENT FINANCING LIMITED
MH HOLDINGS (UK) LIMITED
ONEPM COMMERCIAL FINANCE LIMITED
POSITIVE CASH FLOW FINANCE LIMITED
POSITIVE CASHFLOW FINANCE (HOLDINGS) LIMITED
SPEAKERTONE LIMITED
STERLING ASSET FINANCE (UK) LTD
TIME BROKER FINANCE LIMITED
TIME COMMERCIAL FINANCE LIMITED
TIME HARD ASSET FINANCE LIMITED
TIME INVOICE FINANCE (SOUTH) LIMITED
TIME INVOICE FINANCE LIMITED
TIME LOAN FINANCE LIMITED
TIME PROPERTY FINANCE LIMITED
TIME VEHICLE FINANCE LIMITED
TIME VENDOR FINANCE LIMITED
Tracy Watkinson
393FPR LIMITED
ENGLISH VOLLEYBALL ASSOCIATION LIMITED
NATWEST TRUSTEE AND DEPOSITARY SERVICES LIMITED
THE BRITISH HANDBALL ASSOCIATION
THE ENGLAND HANDBALL ASSOCIATION LIMITED
TWICE CONSULTING LIMITED
Balance Sheet Unlock full report
Accounts Date 31-May-2025 31-May-2016 31-May-2015
Balance Sheet
Fixed Assets 44,914,000 44,914,000 14,741,000
Current Assets 23,886,000 23,886,000 10,501,000
Creditors Due Within One Year 23,015,000 23,015,000 7,049,000
Working Cap 871,000 871,000 3,452,000
Total Assets Less Current Liabilities 45,785,000 45,785,000 18,193,000
Long-term Liabilities 21,896,000 21,896,000 5,825,000
Net Assets 23,889,000 23,889,000 12,368,000
Share Capital & Reserves
Share Cap 5,253,000 5,253,000 3,685,000
Profit & Loss Reserves 5,469,000 5,469,000 2,994,000
Other Reserves 13,167,000 13,167,000 5,689,000
Shareholders Funds 23,889,000 23,889,000 12,368,000
Common Size Financial Analysis Unlock full report
Accounts Date 31-May-2025 31-May-2016 31-May-2015
Tangible Fixed Assets - - -
Fixed Assets 65.3% 65.3% 58.4%
Stocks Inventory 0.1% 0.1% 0.0%
Debtors 29.0% 29.0% 34.9%
Cash Bank In Hand 1.3% 1.3% 0.0%
Current Assets 34.7% 34.7% 41.6%
Creditors Due Within One Year 33.5% 33.5% 27.9%
Net Current Assets Liabilities 1.3% 1.3% 13.7%
Creditors Due After One Year 31.8% 31.8% 23.1%
Accruals Deferred Income - - -
Provisions For Liabilities Charges - - -
Net Assets Liabilities Including Pension Asset Liability 34.7% 34.7% 49.0%
Called Up Share Capital 7.6% 7.6% 14.6%
Share Capital Allotted Called Up Paid 7.6% 7.6% 14.6%
Profit Loss Account Reserve 7.9% 7.9% 11.9%
Shareholder Funds 34.7% 34.7% 49.0%
Capital Employed - - -
Total Assets Less Current Liabilities 66.5% 66.5% 72.1%
Financial Ratio Analysis Unlock full report
Accounts Date 31-May-2025 31-May-2016 31-May-2015
Liquidity Ratio 1.0 1.0 1.5
Solvency Ratio 1.5 1.5 2.0
Reserves to Assets 0.1 0.1 0.1
Secured Creditors Unlock full report
Mortgages Charges 6
Mortgages Outstanding 4
Mortgages Part Satisfied 0
Mortgages Satisfied 2
Assets and Debt Analysis Unlock full report
Accounts Date 31-May-2025 31-May-2016 31-May-2015
Assets 68,800,000 68,800,000 25,242,000
Debt 44,911,000 44,911,000 12,874,000
Net Assets/Debt 23,889,000 23,889,000 12,368,000

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 appeared positive. We would normally view a company positively for this. The balance sheet indicates the net assets of a good sized company. 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.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 appeared positive. We would normally view a company positively for this. The balance sheet indicates the net assets of a good sized company. 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.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 appeared positive. We would normally view a company positively for this. The balance sheet indicates the net assets of a good sized company. 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
Other Business around BA2 3BH
MH HOLDINGS (UK) LIMITED
2nd Floor St. James House Lower Bristol Road, The Square, Bath, BA2 3BH
HANOVER HOUSE (BATH) LIMITED
HANOVER HOUSE THE SQUARE, LOWER BRISTOL ROAD, BATH, BA2 3BH
STERLING CAPITAL ASSET FINANCE LIMITED
HANOVER HOUSE THE SQUARE, LOWER BRISTOL ROAD, BATH, BA2 3BH
POSITIVE CASHFLOW FINANCE (HOLDINGS) LIMITED
2nd Floor, St James House The Square, Lower Bristol Road, Bath, BA2 3BH
BELL FINANCE LIMITED
2nd Floor, St James House, The Square, Lower Bristol Road, Bath, BA2 3BH
TIME HARD ASSET FINANCE LIMITED
2ND FLOOR, ST. JAMES HOUSE THE SQUARE, LOWER BRISTOL ROAD, BATH, BA2 3BH
ARIA NETWORKS LIMITED
Office D, Beresford House, Town Quay, Southampton, BA2 3BH
TIME BROKER FINANCE LIMITED
2ND FLOOR, ST JAMES HOUSE THE SQUARE, LOWER BRISTOL ROAD, BATH, BA2 3BH
SPEAKERTONE LIMITED
2nd Floor St. James House Lower Bristol Road, The Sqaure, Bath, BA2 3BH
STEERSMCGILLANEVES DESIGN LIMITED
UNIT B, CORINTHIAN, MIDLAND ROAD, BATH, BA2 3BH
Document Filings
Confirmation statement made on 7 June 2025 with updates
Confirmation statement made on 7 June 2024 with no updates
Resolutions
Termination of appointment of Julian Philip Telling as a director on 7 November 2023
Termination of appointment of Ronald Russell as a director on 7 November 2023
Appointment of Mrs Tracy Elaine Watkinson as a director on 19 September 2023
Appointment of Mr Paul Grant Self Hird as a director on 19 September 2023
Confirmation statement made on 7 June 2023 with no updates
Register inspection address has been changed from Neville House, 18 Laurel Lane Halesowen West Midlands B63 3DA to Neville House Steelpark Road Halesowen B62 8HD
Termination of appointment of Jennifer Woloschuk as a secretary on 13 September 2022
Appointment of Miss Jennifer Woloschuk as a secretary on 13 September 2022
Confirmation statement made on 7 June 2022 with updates
Appointment of Mr James Matthew Arthur Roberts as a secretary on 14 April 2022
Termination of appointment of Jennifer Bodey as a secretary on 14 April 2022
Termination of appointment of John Newman as a director on 21 October 2021
Resolutions
Memorandum and Articles of Association
Confirmation statement made on 7 June 2021 with no updates
Appointment of Mrs Tanya Raynes as a director on 25 March 2021
Termination of appointment of Richard Ian Smith as a director on 27 February 2021
Terms and Conditions Cancellations Contact Us

In using this service you agree to the Terms and Conditions

© 2026 Check Free