Company Overview
Oodle Financial Services Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Tuesday 08 June 2010, so this is a well established company. Oodle Financial Services Limited has been in business for 15 years and 9 months. The accounts status is group and the accounts are next due on Tuesday 31 March 2026.
Registered Address

2 New Bailey, 6 Stanley Street, Salford, M3 5GS
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Companies House Data
Company NameOODLE FINANCIAL SERVICES LIMITED
Company Number07277272
Registered Office Address2 New Bailey
 6 Stanley Street
 M3 5GS
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date08/06/2010
Accounting Reference Date Day30
Accounting Reference Date Month6
Accounts Next Due Date31/03/2026
Accounts Last Made Up Date30/06/2024
Accounts Account CategoryGROUP
Returns Next Due Date06/07/2017
Returns Last Made Up Date08/06/2016
Previous Company NameChanged Date
FIRST CHOICE WITH LOANS LIMITED18 Dec 2017
Directors & Members
Show Resigned
Jonathan Clayton - Director
(British, 54 years old, born December 1972)
Appointed 10 February 2016
 Active
Nancy Cruickshank - Director
(British, 56 years old, born December 1970)
Appointed 18 October 2021
 Active
Richard Gaskin - Director
(British, 61 years old, born November 1965)
Appointed 19 August 2022
 Active
Anirban Ghosh - Director
(British, 39 years old, born March 1987)
Appointed 07 June 2023
 Active
James O'shea - Director
(Irish, 70 years old, born February 1956)
Appointed 11 September 2020
 Active
John Stein - Director
(British, 42 years old, born December 1984)
Appointed 10 May 2024
 Active
Luke Wiseman - Director
(British, 59 years old, born May 1967)
Appointed 18 October 2021
 Active
Secretaries
No Secretaries Appointed
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Jonathan Clayton
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John Stein
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Balance Sheet Unlock full report
Accounts Date 30-Jun-2024 30-Jun-2015 30-Jun-2014
Balance Sheet
Fixed Assets 1,177 1,177 7,205
Current Assets 1,507 1,507 2,050
Creditors Due Within One Year 6,556 6,556 11,178
Working Cap -5,049 -5,049 -9,128
Total Assets Less Current Liabilities -3,872 -3,872 -1,923
Long-term Liabilities 235 235 241
Net Assets -4,107 -4,107 -2,164
Share Capital & Reserves
Share Cap 100 100 100
Profit & Loss Reserves -4,207 -4,207 -2,264
Other Reserves 0 0 0
Shareholders Funds -4,107 -4,107 -2,164
Common Size Financial Analysis Unlock full report
Accounts Date 30-Jun-2024 30-Jun-2015 30-Jun-2014
Tangible Fixed Assets - - -
Fixed Assets 43.9% 43.9% 77.8%
Stocks Inventory 0.0% 0.0% 0.0%
Debtors 0.0% 0.0% 0.0%
Cash Bank In Hand 56.1% 56.1% 22.2%
Current Assets 56.1% 56.1% 22.2%
Creditors Due Within One Year 244.3% 244.3% 120.8%
Net Current Assets Liabilities -188.1% -188.1% -98.6%
Creditors Due After One Year 8.8% 8.8% 2.6%
Accruals Deferred Income - - -
Provisions For Liabilities Charges - - -
Net Assets Liabilities Including Pension Asset Liability -153.0% -153.0% -23.4%
Called Up Share Capital 3.7% 3.7% 1.1%
Share Capital Allotted Called Up Paid 3.7% 3.7% 1.1%
Profit Loss Account Reserve -156.7% -156.7% -24.5%
Shareholder Funds -153.0% -153.0% -23.4%
Capital Employed - - -
Total Assets Less Current Liabilities -144.3% -144.3% -20.8%
Financial Ratio Analysis Unlock full report
Accounts Date 30-Jun-2024 30-Jun-2015 30-Jun-2014
Liquidity Ratio 0.2 0.2 0.2
Solvency Ratio 0.4 0.4 0.8
Reserves to Assets -1.6 -1.6 -0.2
Secured Creditors Unlock full report
Mortgages Charges 11
Mortgages Outstanding 10
Mortgages Part Satisfied 0
Mortgages Satisfied 1
Assets and Debt Analysis Unlock full report
Accounts Date 30-Jun-2024 30-Jun-2015 30-Jun-2014
Assets 2,684 2,684 9,255
Debt 6,791 6,791 11,419
Net Assets/Debt -4,107 -4,107 -2,164

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 has some deficiency. The balance sheet net assets figure is negative. 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 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 has some deficiency. The balance sheet net assets figure is negative. 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 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 has some deficiency. The balance sheet net assets figure is negative. 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 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 M3 5GS
No other companies found in the same location
Document Filings
Satisfaction of charge 072772720002 in full
Satisfaction of charge 072772720003 in full
Satisfaction of charge 072772720004 in full
Satisfaction of charge 072772720005 in full
Termination of appointment of Kristin Kelly Gilbert as a director on 23 December 2025
Termination of appointment of Varun Khanna as a director on 9 December 2025
Registration of charge 072772720013, created on 17 November 2025
Registration of charge 072772720012, created on 20 November 2025
Registration of charge 072772720011, created on 14 July 2025
Registration of charge 072772720010, created on 14 July 2025
Director's details changed for Mr Jonathan Charles Llewellyn Clayton on 28 November 2024
Confirmation statement made on 8 June 2025 with no updates
Registration of charge 072772720009, created on 29 October 2024
Termination of appointment of Phillip Mark Williams as a director on 16 July 2024
Confirmation statement made on 8 June 2024 with updates
Appointment of Mr John Patrick Stein as a director on 10 May 2024
Registration of charge 072772720008, created on 14 March 2024
Termination of appointment of Gabriele Questa as a director on 19 January 2024
Change of share class name or designation
Particulars of variation of rights attached to shares
Resolutions
Statement of capital following an allotment of shares on 4 December 2023
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