Company Overview
Echo Finance Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Friday 19 June 2009, so this is a well established company. Echo Finance Limited has been in business for 16 years and 9 months. The accounts status is total exemption full and the accounts are next due on Tuesday 31 March 2026.
Registered Address

The 1812 Building Wheatley Park, Mirfield, WF14 8HE
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Companies House Data
Company NameECHO FINANCE LIMITED
Company Number06939070
Registered Office AddressThe 1812 Building Wheatley Park
 WF14 8HE
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date19/06/2009
Accounting Reference Date Day30
Accounting Reference Date Month6
Accounts Next Due Date31/03/2027
Accounts Last Made Up Date30/06/2025
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date17/07/2017
Returns Last Made Up Date19/06/2016
Previous Company NameChanged Date
STRAIGHT TALK MORTGAGES LTD03 Nov 2011
JST SOLUTIONS LTD09 Feb 2011
Directors & Members
John Tarazi - Director
(British, 45 years old, born April 1981)
Appointed 19 June 2009
 Active
Lee Trett - Director
(British, 44 years old, born August 1982)
Appointed 03 November 2011
 Active
Secretaries
No Secretaries Appointed
Other Company Directorships
John Tarazi
COMPARESWITCHGIVE LIMITED
ECHO MEDIA LIMITED
ECHO WILLS LIMITED
KT PROFESSIONAL LTD
SHRAPPA LIMITED
Lee Trett
ECHO HOLDINGS GROUP LIMITED
ECHO ONLINE LIMITED
LEADCROWD LIMITED
LTR FINANCES LIMITED
UBUNTU ENTERPRISES LIMITED
Balance Sheet Unlock full report
Accounts Date 30-Jun-2025 30-Jun-2022 30-Jun-2021
Balance Sheet
Fixed Assets 3,312 3,312 4,152
Current Assets 324,967 324,967 300,220
Creditors Due Within One Year 69,485 69,485 89,763
Working Cap 255,482 255,482 210,457
Total Assets Less Current Liabilities 258,794 258,794 214,609
Long-term Liabilities - - -
Net Assets - - -
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds - - -
Common Size Financial Analysis Unlock full report
Accounts Date 30-Jun-2025 30-Jun-2022 30-Jun-2021
Tangible Fixed Assets - - -
Fixed Assets 1.0% 1.0% 1.4%
Stocks Inventory - - -
Debtors 40.4% 40.4% 3.5%
Cash Bank In Hand 58.6% 58.6% 95.1%
Current Assets 99.0% 99.0% 98.6%
Creditors Due Within One Year 21.2% 21.2% 29.5%
Net Current Assets Liabilities 77.8% 77.8% 69.1%
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 - - -
Capital Employed - - -
Total Assets Less Current Liabilities 78.8% 78.8% 70.5%
Financial Ratio Analysis Unlock full report
Accounts Date 30-Jun-2025 30-Jun-2022 30-Jun-2021
Liquidity Ratio 4.7 4.7 3.3
Solvency Ratio - - -
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 30-Jun-2025 30-Jun-2022 30-Jun-2021
Assets 328,279 328,279 304,372
Debt - - -
Net Assets/Debt - - -

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 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.

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 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 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 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.

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 21 March 2026 with no updates
Change of details for Mr John Sulieman Tarazi as a person with significant control on 6 November 2025
Change of details for Mr Lee Trett as a person with significant control on 25 May 2018
Director's details changed for Mr John Sulieman Tarazi on 6 November 2025
Director's details changed for Mr Lee Kevin Trett on 6 November 2025
Amended total exemption full accounts made up to 30 June 2024
Confirmation statement made on 21 March 2025 with updates
Confirmation statement made on 30 June 2024 with no updates
Confirmation statement made on 30 June 2023 with no updates
Confirmation statement made on 30 June 2022 with no updates
Confirmation statement made on 30 June 2021 with no updates
Confirmation statement made on 19 June 2020 with no updates
Change of details for Mr Lee Trett as a person with significant control on 25 May 2018
Registered office address changed from The 1812 Building Wheatley Park Woodbottom Mirfield WF14 8HE England to The 1812 Building Wheatley Park Mirfield WF14 8HE on 2 July 2020
Confirmation statement made on 30 June 2020 with no updates
Director's details changed for Mr John Sulieman Tarazi on 6 October 2016
Director's details changed for Mr John Sulieman Tarazi on 6 October 2016
Director's details changed for Mr Lee Kevin Trett on 25 May 2018
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