Company Overview
Ecapital Commercial Finance (North) Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Friday 21 June 2013, so this is a well established company. Ecapital Commercial Finance (North) Limited has been in business for 12 years and 9 months. The accounts status is full and the accounts are next due on Wednesday 30 September 2026.
Registered Address

1 London Street, Reading, Berkshire, RG1 4PN
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Companies House Data
Company NameECAPITAL COMMERCIAL FINANCE (NORTH) LIMITED
Company Number08579241
Registered Office Address1 London Street
 RG1 4PN
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date21/06/2013
Accounting Reference Date Day31
Accounting Reference Date Month12
Accounts Next Due Date30/09/2026
Accounts Last Made Up Date31/12/2024
Accounts Account CategoryFULL
Returns Next Due Date19/07/2017
Returns Last Made Up Date21/06/2016
Previous Company NameChanged Date
ADVANTEDGE COMMERCIAL FINANCE (NORTH) LIMITED01 Apr 2022
FACTOR 21 (NORTH) LIMITED22 Jan 2018
Directors & Members
Show Resigned
Lisa Cleaver - Director
(British, 52 years old, born December 1974)
Appointed 16 May 2025
 Active
Peter Dahill - Director
(American, 46 years old, born October 1980)
Appointed 16 October 2024
 Active
John McDonald - Director
(Canadian, 69 years old, born December 1957)
Appointed 27 November 2020
 Active
Anne Taylor - Director
(British, 50 years old, born March 1976)
Appointed 28 October 2019
 Active
David Tilling - Director
(British, 65 years old, born December 1961)
Appointed 21 June 2013
 Active
Speafi Secretarial Limited - Secretary
Appointed 30 November 2016
 Active
Secretaries
Show Resigned
Speafi Secretarial Limited - Secretary
Appointed 30 November 2016
 Active
Other Company Directorships
Lisa Cleaver
BIBBY FS (HOLDINGS) LIMITED
ECAPITAL 3414 LIMITED
ECAPITAL 3415 LIMITED
ECAPITAL COMMERCIAL FINANCE LIMITED
THE GAME CHANGERS PARTNERSHIP LTD
Peter Dahill
No companies found
John McDonald
AGHOCO 2049 LIMITED
ECAPITAL 3414 LIMITED
ECAPITAL 3415 LIMITED
ECAPITAL COMMERCIAL FINANCE HOLDINGS UK LIMITED
ECAPITAL COMMERCIAL FINANCE LIMITED
Anne Taylor
ECAPITAL 3414 LIMITED
ECAPITAL 3415 LIMITED
ECAPITAL COMMERCIAL FINANCE (SOUTH WEST) LIMITED
ECAPITAL COMMERCIAL FINANCE LIMITED
FACTOR 21 LIMITED
David Tilling
BIBBY FACTORS BRISTOL LIMITED
BIBBY FACTORS SLOUGH LIMITED
ECAPITAL 3414 LIMITED
ECAPITAL 3415 LIMITED
ECAPITAL COMMERCIAL FINANCE LIMITED
FACTOR 21 LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Balance Sheet
Fixed Assets 53,547 53,547 33,709
Current Assets 65,151,758 65,151,758 58,545,876
Creditors Due Within One Year 56,163,222 56,163,222 51,536,578
Working Cap 8,988,536 8,988,536 7,009,298
Total Assets Less Current Liabilities 9,042,083 9,042,083 7,043,007
Long-term Liabilities 0 0 0
Net Assets 9,042,083 9,042,083 7,043,007
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 9,042,083 9,042,083 7,043,007
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Tangible Fixed Assets - - -
Fixed Assets 0.1% 0.1% 0.1%
Stocks Inventory - - -
Debtors 99.8% 99.8% 99.9%
Cash Bank In Hand 0.1% 0.1% 0.0%
Current Assets 99.9% 99.9% 99.9%
Creditors Due Within One Year 86.1% 86.1% 88.0%
Net Current Assets Liabilities 13.8% 13.8% 12.0%
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 13.9% 13.9% 12.0%
Capital Employed - - -
Total Assets Less Current Liabilities 13.9% 13.9% 12.0%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Liquidity Ratio 1.2 1.2 1.1
Solvency Ratio 1.2 1.2 1.1
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 9
Mortgages Outstanding 6
Mortgages Part Satisfied 0
Mortgages Satisfied 3
Assets and Debt Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Assets 65,205,305 65,205,305 58,579,585
Debt 56,163,222 56,163,222 51,536,578
Net Assets/Debt 9,042,083 9,042,083 7,043,007

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. For the size of the company inferred by the balance sheet this level of net assets suggests total debts and obligations were moderately well covered.

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. For the size of the company inferred by the balance sheet this level of net assets suggests total debts and obligations were moderately well covered.   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. For the size of the company inferred by the balance sheet this level of net assets suggests total debts and obligations were moderately well covered.

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
Termination of appointment of Darren John Cottenden as a director on 7 November 2025
Confirmation statement made on 21 June 2025 with no updates
Appointment of Mr Anthony Charles Persse as a director on 16 May 2025
Appointment of Lisa Cleaver as a director on 16 May 2025
Registration of charge 085792410009, created on 30 April 2025
Appointment of Mr Peter Dahill as a director on 16 October 2024
Termination of appointment of Cris Neely as a director on 21 August 2024
Confirmation statement made on 21 June 2024 with no updates
Termination of appointment of Neal Errington as a director on 15 April 2024
Confirmation statement made on 21 June 2023 with no updates
Director's details changed for Anne Katherine Taylor on 21 June 2023
Confirmation statement made on 21 June 2022 with updates
Change of details for Hamsard 3415 Limited as a person with significant control on 1 April 2022
Registration of charge 085792410008, created on 8 April 2022
Certificate of change of name
Registration of charge 085792410007, created on 23 December 2021
Confirmation statement made on 21 June 2021 with no updates
Current accounting period extended from 30 June 2021 to 31 December 2021
Appointment of Mr Cris Neely as a director on 27 November 2020
Appointment of Mr John Stephen Mcdonald as a director on 27 November 2020
Termination of appointment of Guy Vernon Blackburn as a director on 27 November 2020
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