Company Overview
Zest 4 Funding Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Friday 28 July 2006, so this is a well established company. Zest 4 Funding Limited has been in business for 19 years and 8 months. The accounts status is micro entity and the accounts are next due on Saturday 25 April 2026.
Registered Address

Meg Lane End Whistons Lane, Sutton, Macclesfield, SK11 0LY
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Companies House Data
Company NameZEST 4 FUNDING LIMITED
Company Number05890423
Registered Office AddressMeg Lane End Whistons Lane
 Sutton
 SK11 0LY
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date28/07/2006
Accounting Reference Date Day25
Accounting Reference Date Month7
Accounts Next Due Date25/04/2026
Accounts Last Made Up Date25/07/2024
Accounts Account CategoryMICRO ENTITY
Returns Next Due Date24/08/2016
Returns Last Made Up Date27/07/2015
Previous Company NameChanged Date
TIME2REMORTGAGE LIMITED23 Jul 2008
Directors & Members
Show Resigned
Andrew Downes - Director
(British, 57 years old, born May 1969)
Appointed 28 July 2006
 Active
Secretaries
Shelley Downes - Secretary
(British)
Appointed 28 July 2006
 Active
Other Company Directorships
Andrew Downes
A DOWNES PROPERTIES LIMITED
BUP REVERSE INVESTMENTS LIMITED
CAPITAL ONE HOMEOWNER LOANS LIMITED
CAPITAL ONE MORTGAGES LIMITED
CARBONIC SAVINGS LIMITED
EQUATORIAL GUINEA TRADING AND GENERAL COMMODITIES LIMITED
HFS FINANCE LIMITED
NANO ENERGY TECHNOLOGIES LTD
PRESTBURY PO LIMITED
TIME4ALOAN LIMITED
TIME4AMORTGAGE LIMITED
TIME4AREMORTGAGE LIMITED
TIME4INSURANCESERVICES LIMITED
Balance Sheet Unlock full report
Accounts Date 25-Jul-2024 29-Jul-2022 29-Jul-2021
Balance Sheet
Fixed Assets 0 0 0
Current Assets 141 141 139
Creditors Due Within One Year -608 -608 -172
Working Cap 749 749 311
Total Assets Less Current Liabilities 749 749 311
Long-term Liabilities 1,216 1,216 344
Net Assets 749 749 311
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 749 749 311
Common Size Financial Analysis Unlock full report
Accounts Date 25-Jul-2024 29-Jul-2022 29-Jul-2021
Tangible Fixed Assets - - -
Fixed Assets 0.0% 0.0% 0.0%
Stocks Inventory - - -
Debtors - - -
Cash Bank In Hand - - -
Current Assets 100.0% 100.0% 100.0%
Creditors Due Within One Year -431.2% -431.2% -123.7%
Net Current Assets Liabilities 531.2% 531.2% 223.7%
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 531.2% 531.2% 223.7%
Capital Employed - - -
Total Assets Less Current Liabilities 531.2% 531.2% 223.7%
Financial Ratio Analysis Unlock full report
Accounts Date 25-Jul-2024 29-Jul-2022 29-Jul-2021
Liquidity Ratio -0.2 -0.2 -0.8
Solvency Ratio 0.2 0.2 0.8
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 0
Mortgages Outstanding 0
Mortgages Part Satisfied 0
Mortgages Satisfied 0
Assets and Debt Analysis Unlock full report
Accounts Date 25-Jul-2024 29-Jul-2022 29-Jul-2021
Assets 141 141 139
Debt 608 608 172
Net Assets/Debt 749 749 311

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.

Current debt exceeded short term liquid assets as at the balance sheet date. We would normally view this in the context of other profitability and solvency indicators. Total reserves including retained profitability and movement in reserves appeared positive. We would normally view a company positively for this. The balance sheet displays a very modest amount of net assets.

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.Current debt exceeded short term liquid assets as at the balance sheet date. We would normally view this in the context of other profitability and solvency indicators. Total reserves including retained profitability and movement in reserves appeared positive. We would normally view a company positively for this. The balance sheet displays a very modest amount of net assets.   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.Current debt exceeded short term liquid assets as at the balance sheet date. We would normally view this in the context of other profitability and solvency indicators. Total reserves including retained profitability and movement in reserves appeared positive. We would normally view a company positively for this. The balance sheet displays a very modest amount of net assets.

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
Final Gazette dissolved via voluntary strike-off
First Gazette notice for voluntary strike-off
Application to strike the company off the register
Confirmation statement made on 27 July 2025 with no updates
Previous accounting period shortened from 26 July 2024 to 25 July 2024
Previous accounting period shortened from 27 July 2024 to 26 July 2024
Confirmation statement made on 27 July 2024 with no updates
Previous accounting period shortened from 28 July 2023 to 27 July 2023
Previous accounting period shortened from 29 July 2023 to 28 July 2023
Director's details changed for Mr Andrew John Ashton Downes on 14 March 2024
Change of details for Andrew John Ashton Downes as a person with significant control on 23 June 2023
Cessation of Simon James Padgham Dempsey as a person with significant control on 23 June 2023
Confirmation statement made on 27 July 2023 with no updates
Termination of appointment of Simon James Padgham Dempsey as a director on 15 June 2023
Registered office address changed from Cromwell House Royal Court Brook Street Macclesfield Cheshire SK11 7AE to Meg Lane End Whistons Lane Sutton Macclesfield SK11 0LY on 3 February 2023
Confirmation statement made on 27 July 2022 with no updates
Previous accounting period shortened from 30 July 2021 to 29 July 2021
Confirmation statement made on 27 July 2021 with no updates
Previous accounting period shortened from 31 July 2020 to 30 July 2020
Confirmation statement made on 27 July 2020 with no updates
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