Company Overview
Panacea Finance Solutions Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Wednesday 28 August 2013, so this is a well established company. Panacea Finance Solutions Limited has been in business for 12 years and 7 months. The accounts status is total exemption full and the accounts are next due on Wednesday 30 September 2026.
Registered Address

Florence House Lower High Street, Waddington, Lincoln, Lincolnshire, LN5 9QA
Credit Reports Available

These credit rating reports are available now:


Credit Analysts Report
Get Report >>

Standard Credit Report
Get Report >>

Basic Credit Report
Get Report >>

24/7 credit rating data feed - no UK company credit reports are updated faster

Companies House Data
Company NamePANACEA FINANCE SOLUTIONS LIMITED
Company Number08666729
Registered Office AddressFlorence House Lower High Street
 Waddington
 LN5 9QA
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date28/08/2013
Accounting Reference Date Day31
Accounting Reference Date Month12
Accounts Next Due Date30/09/2026
Accounts Last Made Up Date31/12/2024
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date25/09/2016
Returns Last Made Up Date28/08/2015
Previous Company NameChanged Date
PANACEA PROPERTY FINANCE LIMITED11 Sep 2017
Directors & Members
Show Resigned
Steven Fletcher - Director
(British, 64 years old, born May 1962)
Appointed 28 August 2013
 Active
John Williams - Director
(British, 74 years old, born October 1952)
Appointed 28 August 2013
 Active
Stuart Williams - Director
(British, 43 years old, born January 1983)
Appointed 28 August 2013
 Active
John Wilson - Director
(British, 63 years old, born December 1963)
Appointed 28 August 2013
 Active
Secretaries
No Secretaries Appointed
Other Company Directorships
Steven Fletcher
26 CROSS STREET MANAGEMENT COMPANY LIMITED
BAILGATE PROPERTIES LIMITED
BECKINGHAM JV LIMITED
GREETSTONE LIMITED
PANACEA REAL ESTATE LIMITED
SOLUTION FINANCE LIMITED
STRAIT PROPERTY LIMITED
John Williams
BATRIBIKE RENTALS LIMITED
CLEARVIEW ASSET FINANCE LIMITED
D.M.C. TRAILERS LIMITED
KILE DEVELOPMENTS LIMITED
KINGSTON EQUITY & FINANCE (NORTH LINCS) LIMITED
KINGSTON EQUITY & FINANCE LIMITED
Stuart Williams
CLUMBER HOUSE (LINCOLN) MANAGEMENT COMPANY LIMITED
CLUMBER HOUSE LIMITED
GREETSTONE LIMITED
KEF HOLDINGS LTD
KINGSTON EQUITY & FINANCE (NORTH LINCS) LIMITED
LINCOLN ODDFELLOWS LIMITED
LINCS VAN HIRE LIMITED
John Wilson
BECKINGHAM JV LIMITED
GREETSTONE LIMITED
LINCOLN ODDFELLOWS LIMITED
PANACEA REAL ESTATE LIMITED
SOLUTION FINANCE LIMITED
STRAIT PROPERTY LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Balance Sheet
Fixed Assets 1,185 1,185 1,012
Current Assets 9,725,267 9,725,267 9,637,858
Creditors Due Within One Year 7,723,560 7,723,560 7,938,379
Working Cap 2,001,707 2,001,707 1,699,479
Total Assets Less Current Liabilities 2,002,892 2,002,892 1,700,491
Long-term Liabilities - - -
Net Assets - - -
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds - - -
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Tangible Fixed Assets - - -
Fixed Assets 0.0% 0.0% 0.0%
Stocks Inventory - - -
Debtors 91.2% 91.2% 79.5%
Cash Bank In Hand 4.6% 4.6% 13.0%
Current Assets 100.0% 100.0% 100.0%
Creditors Due Within One Year 79.4% 79.4% 82.4%
Net Current Assets Liabilities 20.6% 20.6% 17.6%
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 - - -
Capital Employed - - -
Total Assets Less Current Liabilities 20.6% 20.6% 17.6%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Liquidity Ratio 1.3 1.3 1.2
Solvency Ratio - - -
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-Dec-2024 31-Dec-2022 31-Dec-2021
Assets 9,726,452 9,726,452 9,638,870
Debt - - -
Net Assets/Debt - - -

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 has some deficiency.

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 has some deficiency.   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 has some deficiency.

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 LN5 9QA
SOLUTION FINANCE LIMITED
Florence House, Lower High Street Waddington, Lincoln, Lincolnshire, LN5 9QA
BAILGATE PROPERTIES LIMITED
The Chapel, Bridge Street, Driffield, LN5 9QA
LINCOLN ODDFELLOWS LIMITED
Concorde House, Bessemer Way, Scunthorpe, Lincolnshire, LN5 9QA
CARRMICHAELS LIMITED
8 CAVENDISH COURT, SOUTH PARADE, DONCASTER, SOUTH YORKSHIRE, LN5 9QA
26 CROSS STREET MANAGEMENT COMPANY LIMITED
47 Fleetwood Road, Waddington Lincoln, Lincolnshire, LN5 9QA
STRAIT PROPERTY LIMITED
The Chapel, Bridge Street, Driffield, North Humberside, LN5 9QA
Document Filings
Confirmation statement made on 15 June 2025 with no updates
Director's details changed for Mr John Ralph Williams on 23 June 2025
Confirmation statement made on 15 June 2024 with updates
Confirmation statement made on 15 June 2023 with updates
Confirmation statement made on 15 June 2022 with updates
Director's details changed for Mr John Ralph Williams on 28 June 2021
Director's details changed for Mr Stuart Daniel Williams on 1 July 2021
Confirmation statement made on 15 June 2021 with updates
Confirmation statement made on 15 June 2020 with updates
Registration of charge 086667290001, created on 2 June 2020
Purchase of own shares.
Cancellation of shares. Statement of capital on 10 March 2020
Resolutions
Confirmation statement made on 26 August 2019 with updates
Registered office address changed from Concord House Bessemer Way Scunthorpe North Lincolnshire DN15 8XE to Florence House Lower High Street Waddington Lincoln Lincolnshire LN5 9QA on 28 March 2019
Confirmation statement made on 26 August 2018 with updates
Confirmation statement made on 26 August 2017 with updates
Terms and Conditions Cancellations Contact Us

In using this service you agree to the Terms and Conditions

© 2026 Check Free