Company Overview
Isham Financial Centre Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Wednesday 05 June 2013, so this is a well established company. Isham Financial Centre Limited has been in business for 12 years and 10 months. The accounts status is total exemption full and the accounts are next due on Wednesday 31 March 2027.
Registered Address

3 Middle Street, Isham, Kettering, Northamptonshire, NN14 1HL
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Companies House Data
Company NameISHAM FINANCIAL CENTRE LIMITED
Company Number08557845
Registered Office Address3 Middle Street
 Isham
 NN14 1HL
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date05/06/2013
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 Date03/07/2017
Returns Last Made Up Date05/06/2016
Directors & Members
Show Resigned
Clement Cowley - Director
(British, 41 years old, born December 1985)
Appointed 01 July 2025
 Active
Michael Elworthy - Director
(British, 43 years old, born July 1983)
Appointed 01 July 2025
 Active
Graeme Morrissey - Director
(British, 42 years old, born September 1984)
Appointed 01 July 2025
 Active
Adam Roberts - Director
(British, 44 years old, born November 1982)
Appointed 01 July 2025
 Active
Secretaries
Show Resigned
Other Company Directorships
Clement Cowley
BRIGHT BLUE WEALTH MANAGEMENT LTD
HARRIDGE FINANCIAL SERVICES LIMITED
ROBERTS FINANCIAL CONSULTANCY LIMITED
THE PENNY GROUP HOLDINGS LTD
THE PENNY GROUP SURREY LIMITED
TPG HARRIDGE HOLDCO LTD
WHITING FINANCIAL LIMITED
Michael Elworthy
BRIGHT BLUE WEALTH MANAGEMENT LTD
HARRIDGE FINANCIAL SERVICES LIMITED
MIKE ELWORTHY FINANCIAL PLANNING LIMITED
ROBERTS FINANCIAL CONSULTANCY LIMITED
THE PENNY GROUP HOLDINGS LTD
THE PENNY GROUP LTD
THE PENNY GROUP SURREY LIMITED
TPG HARRIDGE HOLDCO LTD
TREETOPS AND HIGH GATE MANAGEMENT LTD
WHITING FINANCIAL LIMITED
Graeme Morrissey
203 ST JOHN'S HILL BATTERSEA LIMITED
G & T CONSTRUCTION MANAGEMENT LIMITED
GRAEME MORRISSEY LIMITED
HARRIDGE FINANCIAL SERVICES LIMITED
OPENWORK PARTNERSHIP LLP
ROBERTS FINANCIAL CONSULTANCY LIMITED
THE PENNY GROUP HOLDINGS LTD
THE PENNY GROUP LTD
TPG HARRIDGE HOLDCO LTD
VESPA VENTURES LIMITED
WHITING FINANCIAL LIMITED
Adam Roberts
ROBERTS FINANCIAL CONSULTANCY LIMITED
WHITING FINANCIAL LIMITED
Balance Sheet Unlock full report
Accounts Date 30-Jun-2025 31-Mar-2022 31-Mar-2021
Balance Sheet
Fixed Assets 280,684 280,684 260,947
Current Assets 128,186 128,186 69,153
Creditors Due Within One Year 52,932 52,932 54,051
Working Cap 75,254 75,254 15,102
Total Assets Less Current Liabilities 355,938 355,938 276,049
Long-term Liabilities 8,130 8,130 1,767
Net Assets 347,808 347,808 274,282
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 347,808 347,808 274,282
Common Size Financial Analysis Unlock full report
Accounts Date 30-Jun-2025 31-Mar-2022 31-Mar-2021
Tangible Fixed Assets - - -
Fixed Assets 68.6% 68.6% 79.1%
Stocks Inventory - - -
Debtors 9.6% 9.6% 11.1%
Cash Bank In Hand 21.8% 21.8% 9.9%
Current Assets 31.4% 31.4% 20.9%
Creditors Due Within One Year 12.9% 12.9% 16.4%
Net Current Assets Liabilities 18.4% 18.4% 4.6%
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 85.1% 85.1% 83.1%
Capital Employed - - -
Total Assets Less Current Liabilities 87.1% 87.1% 83.6%
Financial Ratio Analysis Unlock full report
Accounts Date 30-Jun-2025 31-Mar-2022 31-Mar-2021
Liquidity Ratio 2.4 2.4 1.3
Solvency Ratio 6.7 6.7 5.9
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 31-Mar-2022 31-Mar-2021
Assets 408,870 408,870 330,100
Debt 61,062 61,062 55,818
Net Assets/Debt 347,808 347,808 274,282

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 appeared positive. We would normally view a company positively for this. For the size of the company inferred by the balance sheet the level of net assets suggests a comfortable level of cover for 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 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 appeared positive. We would normally view a company positively for this. For the size of the company inferred by the balance sheet the level of net assets suggests a comfortable level of cover for 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 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 appeared positive. We would normally view a company positively for this. For the size of the company inferred by the balance sheet the level of net assets suggests a comfortable level of cover for 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 NN14 1HL
UNICAST LIMITED
ALL SAINTS HOUSE, MIDDLE STREET, ISHAM, NORTHAMPTONSHIRE, NN14 1HL
Document Filings
Previous accounting period extended from 31 March 2025 to 30 June 2025
Resolutions
Memorandum and Articles of Association
Appointment of Mr Adam David John Roberts as a director on 1 July 2025
Registered office address changed from 3 Middle Street Isham Kettering Northamptonshire NN14 1HL to 7th Floor 80 Cannon Street London EC4N 6HL on 2 July 2025
Cessation of David Stephen Sawiak as a person with significant control on 1 July 2025
Cessation of Anne Elizabeth Sawiak as a person with significant control on 1 July 2025
Termination of appointment of David Stephen Sawiak as a director on 1 July 2025
Termination of appointment of Anne Elizabeth Sawiak as a director on 1 July 2025
Termination of appointment of Anne Elizabeth Sawiak as a secretary on 1 July 2025
Appointment of Mr Graeme Joseph Morrissey as a director on 1 July 2025
Appointment of Mr Michael Joseph Elworthy as a director on 1 July 2025
Appointment of Mr Clement Edward Cowley as a director on 1 July 2025
Notification of The Penny Group Ltd as a person with significant control on 1 July 2025
Confirmation statement made on 5 June 2025 with updates
Confirmation statement made on 5 June 2024 with updates
Confirmation statement made on 5 June 2023 with updates
Confirmation statement made on 5 June 2022 with updates
Director's details changed for Mrs Anne Elizabeth Sawiak on 25 March 2022
Director's details changed for David Stephen Sawiak on 25 March 2022
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