CAREFIRST IW LTD Credit Check Report

Company Overview

Carefirst Iw Ltd is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Wednesday 22 October 2008, so this is a well established company. Carefirst Iw Ltd has been in business for 17 years and 5 months. The accounts status is total exemption full and the accounts are next due on Monday 31 January 2022.

Registered Address

Unit 11 Fisher Street Galleries 18 Fisher Street, Carlisle, CA3 8RH

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Companies House Data

Company Name	CAREFIRST IW LTD
Company Number	06730362
Registered Office Address	Unit 11 Fisher Street Galleries 18 Fisher Street
	CA3 8RH
Company Category	Private Limited Company
Company Status	Active
Country of Origin	United Kingdom
Incorporation Date	22/10/2008
Accounting Reference Date Day	31
Accounting Reference Date Month	1
Accounts Next Due Date	31/01/2022
Accounts Last Made Up Date	31/12/2019
Accounts Account Category	TOTAL EXEMPTION FULL
Returns Next Due Date	19/11/2016
Returns Last Made Up Date	22/10/2015

Directors & Members

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	Julie Cuff - Director (British, 54 years old, born September 1972) Appointed 30 September 2014, Resigned 07 September 2020	Resigned
	Helen Diebelius - Director (British, 54 years old, born April 1972) Appointed 30 September 2014, Resigned 07 September 2020	Resigned
	Susan Hull - Director (British, 61 years old, born May 1965) Appointed 27 October 2008, Resigned 30 September 2014	Resigned
	Charles O'sullivan - Director (British, 58 years old, born April 1968) Appointed 10 November 2021	Active
	Shirley Rankin - Director (British, 71 years old, born August 1955) Appointed 27 October 2008, Resigned 07 September 2020	Resigned
	Peter Valaitis - Director (British, 76 years old, born November 1950) Appointed 22 October 2008, Resigned 27 October 2008	Resigned
	David Watt - Director (British, 58 years old, born September 1968) Appointed 07 September 2020, Resigned 10 November 2021	Resigned

Secretaries

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	Shirley Rankin - Secretary (British) Appointed 27 October 2008, Resigned 07 September 2020	Resigned

Other Company Directorships

Balance Sheet

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Accounts Date	31-Dec-2019	31-Dec-2018	31-Dec-2017
Balance Sheet
Fixed Assets	1,852	2,469	3,292
Current Assets	70,279	92,392	70,340
Creditors Due Within One Year	45,723	64,852	53,581
Working Cap	24,556	27,540	16,759
Total Assets Less Current Liabilities	26,408	30,009	20,051
Long-term Liabilities	352	469	626
Net Assets	26,056	29,540	19,425
Share Capital & Reserves
Share Cap	-	-	-
Profit & Loss Reserves	-	-	-
Other Reserves	-	-	-
Shareholders Funds	26,056	29,540	19,425

Common Size Financial Analysis

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Accounts Date	31-Dec-2019	31-Dec-2018	31-Dec-2017
Tangible Fixed Assets	-	-	-
Fixed Assets	2.6%	2.6%	4.5%
Stocks Inventory	-	-	-
Debtors	41.8%	40.9%	14.6%
Cash Bank In Hand	0.0%	0.0%	0.7%
Current Assets	97.4%	97.4%	95.5%
Creditors Due Within One Year	63.4%	68.4%	72.8%
Net Current Assets Liabilities	34.0%	29.0%	22.8%
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	36.1%	31.1%	26.4%
Capital Employed	-	-	-
Total Assets Less Current Liabilities	36.6%	31.6%	27.2%

Financial Ratio Analysis

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Accounts Date	31-Dec-2019	31-Dec-2018	31-Dec-2017
Liquidity Ratio	1.5	1.4	1.3
Solvency Ratio	1.6	1.5	1.4
Reserves to Assets	-	-	-

Secured Creditors

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Mortgages Charges	0
Mortgages Outstanding	0
Mortgages Part Satisfied	0
Mortgages Satisfied	0

Assets and Debt Analysis

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Accounts Date	31-Dec-2019	31-Dec-2018	31-Dec-2017
Assets	72,131	94,861	73,632
Debt	46,075	65,321	54,207
Net Assets/Debt	26,056	29,540	19,425

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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 presents modest net assets. 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 latest accounts are not up-to-date. Later accounts are now overdue. Late filing is not a positive factor. Analysis based on the latest figures available must be taken in the context that the figures are not up-to-date.

Unlock 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 presents modest net assets. 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 latest accounts are not up-to-date. Later accounts are now overdue. Late filing is not a positive factor. Analysis based on the latest figures available must be taken in the context that the figures are not up-to-date. 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 presents modest net assets. 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 latest accounts are not up-to-date. Later accounts are now overdue. Late filing is not a positive factor. Analysis based on the latest figures available must be taken in the context that the figures are not up-to-date.

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

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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

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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

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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

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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

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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)

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

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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

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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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