Company Overview
Fair Credit Charity Ltd is listed at the official companies registry as Active Private Limited By Guarantee Without Share Capital. The company was incorporated on Thursday 10 April 2014, so this is a well established company. Fair Credit Charity Ltd has been in business for 11 years and 11 months. The accounts status is group and the accounts are next due on Wednesday 30 September 2026.
Registered Address

Unit 8 Elm Court Meriden Business Park, Copse Drive, Coventry, CV5 9RG
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Companies House Data
Company NameFAIR CREDIT CHARITY LTD
Company Number08991099
Registered Office AddressUnit 8 Elm Court Meriden Business Park
 Copse Drive
 CV5 9RG
Company CategoryPrivate Limited By Guarantee Without Share Capital
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date10/04/2014
Accounting Reference Date Day31
Accounting Reference Date Month12
Accounts Next Due Date30/09/2026
Accounts Last Made Up Date31/12/2024
Accounts Account CategoryGROUP
Returns Next Due Date08/05/2017
Returns Last Made Up Date10/04/2016
Previous Company NameChanged Date
FAIR FOR YOU LTD13 Apr 2022
Directors & Members
Show Resigned
Jill Bonehill - Director
(British, 63 years old, born July 1963)
Appointed 01 January 2021
 Active
Simon Dukes - Director
(British, 61 years old, born September 1965)
Appointed 01 October 2021
 Active
Joanne Fleming - Director
(Irish, 44 years old, born April 1982)
Appointed 21 November 2022
 Active
Susan Lewis - Director
(British, 73 years old, born May 1953)
Appointed 18 September 2025
 Active
Jonathan Moore - Director
(British, 56 years old, born September 1970)
Appointed 09 November 2022
 Active
Harold Talbot-Tomlinson - Director
(British, 27 years old, born March 1999)
Appointed 01 May 2024
 Active
Secretaries
Christopher Bennett - Secretary
Appointed 08 October 2015
 Active
Other Company Directorships
Jill Bonehill
BHSF EMPLOYEE BENEFITS LIMITED
BHSF GROUP LIMITED
BHSF LIMITED
BHSF MANAGEMENT SERVICES LIMITED
Simon Dukes
FAIR FOR YOU ENTERPRISE CIC
Joanne Fleming
No companies found
Susan Lewis
BRENTFORD DOCK ENTERPRISES LIMITED
BRENTFORD DOCK LIMITED
ESTMANCO (BRENTFORD DOCK) LIMITED
FOUNDATION FOR CREDIT COUNSELLING
INTERNATIONAL LONGEVITY CENTRE - UK
PFEG
PFEG ENTERPRISES CIC
THE FAIRBANKING FOUNDATION
THE PEOPLE'S PENSION TRUSTEE LIMITED
YOUNG ENTERPRISE
Jonathan Moore
EMPOWERING PEOPLE INSPIRING COMMUNITIES LIMITED
MAXWELL MOORE LIMITED
MERCHANTS QUAY RESIDENTS ASSOCIATION LIMITED
Harold Talbot-Tomlinson
DERBYSHIRE MIND
ODAC INDUSTRIES LTD
Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2019 31-Dec-2018
Balance Sheet
Fixed Assets 158 158 -9,126
Current Assets 7,911 7,911 4,346
Creditors Due Within One Year 5,345 5,345 7,580
Working Cap 2,566 2,566 -3,234
Total Assets Less Current Liabilities 2,724 2,724 -12,360
Long-term Liabilities 0 0 0
Net Assets 2,724 2,724 -12,360
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 2,724 2,724 -12,360
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2019 31-Dec-2018
Tangible Fixed Assets - - -
Fixed Assets 2.0% 2.0% 190.9%
Stocks Inventory - - -
Debtors 97.0% 97.0% -14.4%
Cash Bank In Hand 1.1% 1.1% -76.6%
Current Assets 98.0% 98.0% -90.9%
Creditors Due Within One Year 66.2% 66.2% -158.6%
Net Current Assets Liabilities 31.8% 31.8% 67.7%
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 33.8% 33.8% 258.6%
Capital Employed - - -
Total Assets Less Current Liabilities 33.8% 33.8% 258.6%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2019 31-Dec-2018
Liquidity Ratio 1.5 1.5 0.6
Solvency Ratio 1.5 1.5 -0.6
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 31-Dec-2024 31-Dec-2019 31-Dec-2018
Assets 8,069 8,069 -4,780
Debt 5,345 5,345 7,580
Net Assets/Debt 2,724 2,724 -12,360

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. The balance sheet presents modest net assets. 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. The balance sheet presents modest net assets. 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. The balance sheet presents modest net assets. 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
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Document Filings
Confirmation statement made on 3 January 2026 with no updates
Termination of appointment of Tom Levitt as a director on 30 September 2025
Termination of appointment of Lindsay Vyvyan Melvin as a director on 30 September 2025
Appointment of Ms Susan Tangier Lewis as a director on 18 September 2025
Termination of appointment of Robbie Maverick as a director on 21 August 2025
Confirmation statement made on 3 January 2025 with no updates
Termination of appointment of Alan Dodds as a director on 30 September 2024
Appointment of Mr Harold Talbot-Tomlinson as a director on 1 May 2024
Confirmation statement made on 3 January 2024 with no updates
Confirmation statement made on 3 January 2023 with no updates
Appointment of Joanne Fleming as a director on 21 November 2022
Appointment of Mr Jonathan David Moore as a director on 9 November 2022
Appointment of Robbie Maverick as a director on 9 November 2022
Termination of appointment of Anthony Claytor as a director on 4 July 2022
Certificate of change of name
Change of name notice
Confirmation statement made on 3 January 2022 with no updates
Appointment of Mr Simon Dukes as a director on 1 October 2021
Memorandum and Articles of Association
Resolutions
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