Company Overview
Carmel Jane Photography Ltd is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Tuesday 03 September 2013, so this is a well established company. Carmel Jane Photography Ltd has been in business for 12 years and 7 months. The accounts status is unaudited abridged and the accounts are next due on Sunday 31 May 2026.
Registered Address

46 Hullbridge Road, South Woodham Ferrers, Chelmsford, Essex, CM3 5NG
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Companies House Data
Company NameCARMEL JANE PHOTOGRAPHY LTD
Company Number08674446
Registered Office Address46 Hullbridge Road
 South Woodham Ferrers
 CM3 5NG
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date03/09/2013
Accounting Reference Date Day31
Accounting Reference Date Month8
Accounts Next Due Date31/05/2026
Accounts Last Made Up Date31/08/2024
Accounts Account CategoryUNAUDITED ABRIDGED
Returns Next Due Date04/02/2017
Returns Last Made Up Date07/01/2016
Directors & Members
Show Resigned
Neil Sweeney - Director
(British, 45 years old, born March 1981)
Appointed 26 February 2024
 Active
Secretaries
No Secretaries Appointed
Other Company Directorships
Neil Sweeney
CJP SWEENEY LIMITED
LEGRA INVESTMENTS LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Aug-2024 31-Aug-2022 31-Aug-2021
Balance Sheet
Fixed Assets 161,933 161,933 169,552
Current Assets 415,161 415,161 277,466
Creditors Due Within One Year 280,254 280,254 253,963
Working Cap 134,907 134,907 23,503
Total Assets Less Current Liabilities 296,840 296,840 193,055
Long-term Liabilities 296,639 296,639 192,854
Net Assets 201 201 201
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 201 201 201
Common Size Financial Analysis Unlock full report
Accounts Date 31-Aug-2024 31-Aug-2022 31-Aug-2021
Tangible Fixed Assets - - -
Fixed Assets 28.1% 28.1% 37.9%
Stocks Inventory - - -
Debtors 10.1% 10.1% 33.5%
Cash Bank In Hand 55.9% 55.9% 28.6%
Current Assets 71.9% 71.9% 62.1%
Creditors Due Within One Year 48.6% 48.6% 56.8%
Net Current Assets Liabilities 23.4% 23.4% 5.3%
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 0.0% 0.0% 0.0%
Capital Employed - - -
Total Assets Less Current Liabilities 51.4% 51.4% 43.2%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Aug-2024 31-Aug-2022 31-Aug-2021
Liquidity Ratio 1.5 1.5 1.1
Solvency Ratio 1.0 1.0 1.0
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 2
Mortgages Outstanding 2
Mortgages Part Satisfied 0
Mortgages Satisfied 0
Assets and Debt Analysis Unlock full report
Accounts Date 31-Aug-2024 31-Aug-2022 31-Aug-2021
Assets 577,094 577,094 447,018
Debt 576,893 576,893 446,817
Net Assets/Debt 201 201 201

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 has some deficiency. The balance sheet displays a very modest amount of net assets. For the size of the company as inferred by the balance sheet the amount of net assets represents a relatively small 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 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 has some deficiency. The balance sheet displays a very modest amount of net assets. For the size of the company as inferred by the balance sheet the amount of net assets represents a relatively small 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 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 has some deficiency. The balance sheet displays a very modest amount of net assets. For the size of the company as inferred by the balance sheet the amount of net assets represents a relatively small 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
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Document Filings
Confirmation statement made on 20 March 2026 with updates
Confirmation statement made on 29 January 2026 with updates
Change of details for Cjp Sweeney Limited as a person with significant control on 30 October 2025
Termination of appointment of Carmel Jane Saulbrey as a director on 30 October 2025
Cessation of Carmel Saulbrey Ltd as a person with significant control on 30 October 2025
Registration of charge 086744460002, created on 30 October 2025
Resolutions
Registration of charge 086744460001, created on 15 July 2025
Confirmation statement made on 29 January 2025 with updates
Cessation of Carmel Jane Saulbrey as a person with significant control on 1 August 2024
Notification of Carmel Saulbrey Ltd as a person with significant control on 1 August 2024
Appointment of Mr Neil Andrew Sweeney as a director on 26 February 2024
Change of details for Ms Carmel Jane Saulbrey as a person with significant control on 26 February 2024
Notification of Cjp Sweeney Limited as a person with significant control on 26 February 2024
Memorandum and Articles of Association
Resolutions
Statement of capital following an allotment of shares on 9 February 2024
Confirmation statement made on 29 January 2024 with updates
Confirmation statement made on 29 January 2023 with updates
Change of details for Ms Carmel Jane Saulbrey as a person with significant control on 16 May 2022
Director's details changed for Ms Carmel Jane Saulbrey on 16 May 2022
Director's details changed for Ms Carmel Jane Saulbrey on 24 March 2022
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