Company Overview
Zafiro Homes Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Monday 16 March 2009, so this is a well established company. Zafiro Homes Limited has been in business for 17 years. The accounts status is total exemption full and the accounts are next due on Wednesday 31 December 2025.
Registered Address

Beacon House, Warwick Road, Beaconsfield, Buckinghamshire, HP9 2PE
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Companies House Data
Company NameZAFIRO HOMES LIMITED
Company Number06847107
Registered Office AddressBeacon House
 Warwick Road
 HP9 2PE
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date16/03/2009
Accounting Reference Date Day31
Accounting Reference Date Month3
Accounts Next Due Date31/12/2026
Accounts Last Made Up Date31/03/2025
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date13/04/2017
Returns Last Made Up Date16/03/2016
Previous Company NameChanged Date
KMG ENTERPRISES LIMITED30 Apr 2013
MY CARE UMBRELLA.COM LIMITED12 Jun 2012
BE MY CARE BROKER LIMITED12 Dec 2011
Directors & Members
Show Resigned
Michael Garner - Director
(British, 39 years old, born November 1987)
Appointed 19 March 2019
 Active
Karen Morris-Garner - Director
(British, 56 years old, born May 1970)
Appointed 03 August 2010
 Active
Secretaries
Show Resigned
Other Company Directorships
Michael Garner
EVISSA UK LTD
EVISSA WORLDWIDE LTD
MOTION BARS LTD
RUNCAN LIMITED
ZAFIRO (THE PINES) LIMITED
ZAFIRO HOMES (BISHOPS ROAD) LIMITED
ZAFIRO HOMES (HOWE DRIVE) LIMITED
Karen Morris-Garner
BE MY CARE BROKER LIMITED
DANES HOUSE LIMITED
MY CARE UMBRELLA LLP
ZAFIRO HOMES (BEACONSFIELD) LIMITED
ZAFIRO HOMES (BISHOPS ROAD) LIMITED
ZAFIRO HOMES (HOWE DRIVE) LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2022 31-Mar-2021
Balance Sheet
Fixed Assets 116,195 116,195 81,803
Current Assets 5,983,329 5,983,329 2,009,093
Creditors Due Within One Year 6,044,832 6,044,832 2,056,172
Working Cap -61,503 -61,503 -47,079
Total Assets Less Current Liabilities 54,692 54,692 34,724
Long-term Liabilities 50,151 50,151 20,704
Net Assets 4,541 4,541 14,020
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 4,541 4,541 14,020
Common Size Financial Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2022 31-Mar-2021
Tangible Fixed Assets - - -
Fixed Assets 1.9% 1.9% 3.9%
Stocks Inventory - - -
Debtors 88.1% 88.1% 87.6%
Cash Bank In Hand 0.7% 0.7% 0.0%
Current Assets 98.1% 98.1% 96.1%
Creditors Due Within One Year 99.1% 99.1% 98.3%
Net Current Assets Liabilities -1.0% -1.0% -2.3%
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 0.1% 0.1% 0.7%
Capital Employed - - -
Total Assets Less Current Liabilities 0.9% 0.9% 1.7%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2022 31-Mar-2021
Liquidity Ratio 1.0 1.0 1.0
Solvency Ratio 1.0 1.0 1.0
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 2
Mortgages Outstanding 2
Mortgages Part Satisfied 0
Mortgages Satisfied 0
Assets and Debt Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2022 31-Mar-2021
Assets 6,099,524 6,099,524 2,090,896
Debt 6,094,983 6,094,983 2,076,876
Net Assets/Debt 4,541 4,541 14,020

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 current liquid assets were slightly less than short term debt. We would normally view a company broadly neutrally for this. 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 as inferred by the balance sheet the amount of net assets represents a slender margin of cover over 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.As at the balance sheet date current liquid assets were slightly less than short term debt. We would normally view a company broadly neutrally for this. 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 as inferred by the balance sheet the amount of net assets represents a slender margin of cover over 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.As at the balance sheet date current liquid assets were slightly less than short term debt. We would normally view a company broadly neutrally for this. 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 as inferred by the balance sheet the amount of net assets represents a slender margin of cover over 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
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Document Filings
Notification of Zafiro Homes S.L as a person with significant control on 31 December 2022
Cessation of Karen Jane Morris-Garner as a person with significant control on 31 December 2022
Confirmation statement made on 16 March 2025 with updates
Confirmation statement made on 1 May 2024 with updates
Confirmation statement made on 16 March 2024 with updates
Notification of Zafiro Holdings Limited as a person with significant control on 31 December 2022
Cessation of Michael David Garner as a person with significant control on 31 December 2022
Confirmation statement made on 16 March 2023 with updates
Change of details for Mrs Karen Jane Morris-Garner as a person with significant control on 31 December 2022
Sub-division of shares on 12 December 2022
Resolutions
Director's details changed for Mrs Karen Jane Morris-Garner on 1 September 2021
Confirmation statement made on 16 March 2022 with updates
Resolutions
Memorandum and Articles of Association
Change of share class name or designation
Notification of Michael David Garner as a person with significant control on 16 July 2021
Change of details for Mrs Karen Jane Morris-Garner as a person with significant control on 16 July 2021
Confirmation statement made on 16 March 2021 with updates
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