Company Overview
Jigsaw Retirement Solutions Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Wednesday 19 September 2012, so this is a well established company. Jigsaw Retirement Solutions Limited has been in business for 13 years and 6 months. The accounts status is micro entity and the accounts are next due on Thursday 31 December 2026.
Registered Address

33 St. Charles Road, Brentwood, Essex, CM14 4TS
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Companies House Data
Company NameJIGSAW RETIREMENT SOLUTIONS LIMITED
Company Number08220602
Registered Office Address33 St. Charles Road
 CM14 4TS
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date19/09/2012
Accounting Reference Date Day31
Accounting Reference Date Month3
Accounts Next Due Date31/12/2026
Accounts Last Made Up Date31/03/2025
Accounts Account CategoryMICRO ENTITY
Returns Next Due Date17/10/2016
Returns Last Made Up Date19/09/2015
Previous Company NameChanged Date
JIGSAW HOUSING LIMITED16 Oct 2012
Directors & Members
Show Resigned
Nikolay Kostadinov - Director
(British, 54 years old, born February 1972)
Appointed 22 December 2014
 Active
Secretaries
Show Resigned
Other Company Directorships
Nikolay Kostadinov
46 ROMFORD ROAD LTD
DN PROPERTIES LTD
FRESCO FOOD & DRINKS LTD
ING SOLAR LIMITED
JIGSAW RTS MANAGEMENT LTD
NIGESTA FINISHING LIMITED
NIGESTA LIMITED
OYO LAND MANAGEMENT (DAGENHAM) LIMITED
STRATFORD FOOD SHOP LIMITED
VENTEX LTD
VENTEX WHOLESALE LTD
Balance Sheet Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2020 31-Mar-2019
Balance Sheet
Fixed Assets 0 0 0
Current Assets 2,539,812 2,539,812 850,188
Creditors Due Within One Year 2,497,546 2,497,546 865,748
Working Cap 42,266 42,266 -15,560
Total Assets Less Current Liabilities 42,266 42,266 -15,560
Long-term Liabilities 40,000 40,000 0
Net Assets 2,266 2,266 -15,560
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 2,266 2,266 -15,560
Common Size Financial Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2020 31-Mar-2019
Tangible Fixed Assets - - -
Fixed Assets 0.0% 0.0% 0.0%
Stocks Inventory - - -
Debtors - - -
Cash Bank In Hand - - -
Current Assets 100.0% 100.0% 100.0%
Creditors Due Within One Year 98.3% 98.3% 101.8%
Net Current Assets Liabilities 1.7% 1.7% -1.8%
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 0.1% 0.1% -1.8%
Capital Employed - - -
Total Assets Less Current Liabilities 1.7% 1.7% -1.8%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2020 31-Mar-2019
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 1
Mortgages Outstanding 1
Mortgages Part Satisfied 0
Mortgages Satisfied 0
Assets and Debt Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2020 31-Mar-2019
Assets 2,539,812 2,539,812 850,188
Debt 2,537,546 2,537,546 865,748
Net Assets/Debt 2,266 2,266 -15,560

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 current section of the balance sheet has positive working capital. We would normally consider this positively. Total reserves including retained profitability and movement in reserves appeared positive. We would normally view a company positively for this. 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.The current section of the balance sheet has positive working capital. We would normally consider this positively. Total reserves including retained profitability and movement in reserves appeared positive. We would normally view a company positively for this. 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.The current section of the balance sheet has positive working capital. We would normally consider this positively. Total reserves including retained profitability and movement in reserves appeared positive. We would normally view a company positively for this. 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
Other Business around CM14 4TS
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ABACUS CONTRACTS (ACL) LIMITED
2 ST CHARLES ROAD, BRENTWOOD, ESSEX, CM14 4TS
TWINS TV LIMITED
30 ST. CHARLES ROAD, BRENTWOOD, ESSEX, CM14 4TS
T A RULTEN LTD
13 SAINT CHARLES ROAD, BRENTWOOD, ESSEX, CM14 4TS
IONRACAS LIMITED
3 St. Charles Road, Brentwood, CM14 4TS
CHEAM PROPERTIES LIMITED
5 ST. CHARLES ROAD, BRENTWOOD, CM14 4TS
RYAN WEBB LTD
10 St. Charles Road, Brentwood, Essex, CM14 4TS
Document Filings
Confirmation statement made on 7 February 2026 with no updates
Confirmation statement made on 7 February 2025 with no updates
Confirmation statement made on 7 February 2024 with no updates
Cessation of Ivo Michel as a person with significant control on 7 February 2023
Cessation of Nikolay Raychev Kostadinov as a person with significant control on 7 February 2023
Notification of Ivelina Petrova Mihaleva as a person with significant control on 7 February 2023
Confirmation statement made on 7 February 2023 with updates
Confirmation statement made on 19 September 2022 with updates
Cessation of Hicore Services Limited as a person with significant control on 28 April 2022
Notification of Ivo Michel as a person with significant control on 28 April 2022
Notification of Nikolay Kostadinov as a person with significant control on 28 April 2022
Change of details for Hicore Services Limited as a person with significant control on 28 April 2022
Registration of charge 082206020001, created on 29 April 2022
Confirmation statement made on 19 September 2021 with no updates
Amended micro company accounts made up to 31 March 2020
Confirmation statement made on 19 September 2020 with no updates
Confirmation statement made on 19 September 2019 with no updates
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