CORNERSTONE MUTUAL SERVICES LIMITED Credit Check Report

Company Overview

Cornerstone Mutual Services Limited is a Dissolved Private Limited By Guarantee Without Share Capital.

Registered Address

4 Mount Ephraim Road, Tunbridge Wells, Kent, TN1 1EE

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Companies House Data

Company Name	CORNERSTONE MUTUAL SERVICES LIMITED
Company Number	07952752
Registered Office Address	4 Mount Ephraim Road
	TN1 1EE
Company Category	Private Limited By Guarantee Without Share Capital
Company Status	Dissolved
Country of Origin	United Kingdom
Incorporation Date	16/02/2012
Accounting Reference Date Day	30
Accounting Reference Date Month	9
Accounts Next Due Date	30/06/2021
Accounts Last Made Up Date	30/09/2019
Accounts Account Category	SMALL
Returns Next Due Date	12/03/2017
Returns Last Made Up Date	12/02/2016

Directors & Members

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	Richard Aitken-Davies - Director (British, 77 years old, born July 1949) Appointed 22 November 2017	Active
	Lesley Beecher - Director (British, 61 years old, born May 1965) Appointed 31 January 2018	Active
	Rosemary Britten - Director (British, 79 years old, born July 1947) Appointed 16 May 2018, Resigned 04 May 2019	Resigned
	David Dickman - Director (British, 82 years old, born November 1944) Appointed 21 March 2012, Resigned 08 March 2014	Resigned
	Elaine Draper - Director (British, 63 years old, born July 1963) Appointed 30 September 2014, Resigned 10 September 2017	Resigned
	Louise Galbraith - Director (British, 67 years old, born October 1959) Appointed 27 October 2014, Resigned 27 July 2016	Resigned
	Angela Hampson - Director (British, 66 years old, born April 1960) Appointed 21 March 2012, Resigned 30 May 2015	Resigned
	David Hunt Of Wirral - Director (British, 84 years old, born May 1942) Appointed 01 October 2014, Resigned 25 January 2018	Resigned
	Robert Kelly - Director (British, 48 years old, born June 1978) Appointed 21 March 2012, Resigned 30 May 2015	Resigned
	Robert Kelly - Director (British, 48 years old, born June 1978) Appointed 10 September 2018	Active
	Mark Lyonette - Director (British, 61 years old, born April 1965) Appointed 16 February 2012, Resigned 18 May 2018	Resigned
	Carol McHarg - Director (British, 63 years old, born May 1963) Appointed 30 May 2015	Active
	Clive Rix - Director (British, 76 years old, born February 1950) Appointed 30 May 2015, Resigned 18 March 2018	Resigned
	Steven Roberts - Director (British, 64 years old, born March 1962) Appointed 11 June 2012, Resigned 30 September 2014	Resigned
	Carol Strand - Director (British, 65 years old, born October 1961) Appointed 21 March 2012, Resigned 27 October 2014	Resigned
	Carol Strand - Director (British, 65 years old, born October 1961) Appointed 10 September 2016	Active
	Annette Warne-Thomas - Director (British/American, 65 years old, born June 1961) Appointed 21 March 2012, Resigned 30 March 2017	Resigned
	Andrew Wright - Director (British, 71 years old, born November 1955) Appointed 15 May 2019	Active

Secretaries

No Secretaries Appointed

Other Company Directorships

Richard Aitken-Davies
No companies found

Lesley Beecher
No companies found

Robert Kelly
CREDIT UNIONS OF GLASGOW LTD
QUEEN'S CROSS WORKSPACE LIMITED
THE CREDIT UNION FOUNDATION
THE JOINT MONEY LAUNDERING STEERING GROUP LIMITED

Carol McHarg
PENNYBURN REGENERATION YOUTH DEVELOPMENT ENTERPRISE (PRYDE)

Carol Strand
No companies found

Andrew Wright
CREDIT UNIONS OF GLASGOW LTD

Balance Sheet

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Accounts Date	30-Sep-2019	30-Sep-2017	30-Sep-2016
Balance Sheet
Fixed Assets	-114,326	-114,326	-300,000
Current Assets	872,105	872,105	4,019,922
Creditors Due Within One Year	664,942	664,942	3,684,867
Working Cap	207,163	207,163	335,055
Total Assets Less Current Liabilities	92,837	92,837	35,055
Long-term Liabilities	0	0	0
Net Assets	92,837	92,837	35,055
Share Capital & Reserves
Share Cap	-	-	-
Profit & Loss Reserves	-	-	-
Other Reserves	-	-	-
Shareholders Funds	92,837	92,837	35,055

Common Size Financial Analysis

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Accounts Date	30-Sep-2019	30-Sep-2017	30-Sep-2016
Tangible Fixed Assets	-	-	-
Fixed Assets	-15.1%	-15.1%	-8.1%
Stocks Inventory	-	-	-
Debtors	85.9%	85.9%	61.4%
Cash Bank In Hand	29.2%	29.2%	46.7%
Current Assets	115.1%	115.1%	108.1%
Creditors Due Within One Year	87.7%	87.7%	99.1%
Net Current Assets Liabilities	27.3%	27.3%	9.0%
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	12.3%	12.3%	0.9%
Capital Employed	-	-	-
Total Assets Less Current Liabilities	12.3%	12.3%	0.9%

Financial Ratio Analysis

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Accounts Date	30-Sep-2019	30-Sep-2017	30-Sep-2016
Liquidity Ratio	1.3	1.3	1.1
Solvency Ratio	1.1	1.1	1.0
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	30-Sep-2019	30-Sep-2017	30-Sep-2016
Assets	757,779	757,779	3,719,922
Debt	664,942	664,942	3,684,867
Net Assets/Debt	92,837	92,837	35,055

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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

Other Business around TN1 1EE

	OLIVER CONTROL SYSTEMS LIMITED 4 Mount Ephraim Road, Tunbridge Wells, Kent, TN1 1EE
	TONES TIES LIMITED 4 Mount Ephraim Road, Tunbridge Wells, Kent, TN1 1EE
	HR REALISATIONS LIMITED 4 Mount Ephraim Road, Tunbridge Wells, Kent, TN1 1EE
	L&T REALISATIONS LIMITED 4 Mount Ephraim Road, Tunbridge Wells, Kent, TN1 1EE
	STANDARDIZED FOOD PRODUCTS COMPANY LIMITED(THE) 4 Mount Ephraim Road, Tunbridge Wells, Kent, TN1 1EE
	AVENUE35 LTD 4 Mount Ephraim Road, Tunbridge Wells, Kent, TN1 1EE
	SPRINGFIELD EDUCATION AND TRAINING LIMITED 4 Mount Ephraim Road, Tunbridge Wells, Kent, TN1 1EE
	CELSUR INVESTMENTS LIMITED Ccw Recovery Solutions, 4 Mount Ephraim Road, Tunbridge Wells, Kent, TN1 1EE
	ALTERNATIVE POWER INSTALLATIONS LIMITED 4 Mount Ephraim Road, Tunbridge Wells, Kent, TN1 1EE
	GATT AND ASHBY DEVELOPMENTS LIMITED NAPIER HOUSE, 14-16 MOUNT EPHRAIM ROAD, TUNBRIDGE WELLS, KENT,, TN1 1EE

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