Company Overview
Ethos Technology Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Monday 12 January 2015, so this is a well established company. Ethos Technology Limited has been in business for 11 years and 2 months. The accounts status is total exemption full and the accounts are next due on Saturday 31 January 2026.
Registered Address

Cranfield University Technology Park University Way, Cranfield, Bedford, MK43 0BT
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Companies House Data
Company NameETHOS TECHNOLOGY LIMITED
Company Number09383324
Registered Office AddressCranfield University Technology Park University Way
 Cranfield
 MK43 0BT
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date12/01/2015
Accounting Reference Date Day31
Accounting Reference Date Month1
Accounts Next Due Date31/01/2027
Accounts Last Made Up Date31/01/2025
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date09/02/2017
Returns Last Made Up Date12/01/2016
Directors & Members
Show Resigned
Omar Galbraith - Director
(British, 49 years old, born December 1977)
Appointed 30 January 2024
 Active
Martin Whittle - Director
(British, 53 years old, born September 1973)
Appointed 30 January 2024
 Active
Cobra Holdings Ltd - Director
Appointed 23 December 2023
 Active
Secretaries
No Secretaries Appointed
Other Company Directorships
Omar Galbraith
No companies found
Martin Whittle
ARX SOLUTIONS LIMITED
ETHOS CLOUD SERVICES LIMITED
SCALISTIC LIMITED
Cobra Holdings Ltd
No companies found
Balance Sheet Unlock full report
Accounts Date 31-Jan-2025 31-Jan-2023 31-Jan-2022
Balance Sheet
Fixed Assets 67,024 67,024 63,419
Current Assets 6,419,129 6,419,129 6,265,193
Creditors Due Within One Year 5,096,346 5,096,346 4,808,978
Working Cap 1,322,783 1,322,783 1,456,215
Total Assets Less Current Liabilities 1,389,807 1,389,807 1,519,634
Long-term Liabilities 2,333,807 2,333,807 2,019,634
Net Assets -944,000 -944,000 -500,000
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds -944,000 -944,000 -500,000
Common Size Financial Analysis Unlock full report
Accounts Date 31-Jan-2025 31-Jan-2023 31-Jan-2022
Tangible Fixed Assets - - -
Fixed Assets 1.0% 1.0% 1.0%
Stocks Inventory - - -
Debtors 40.9% 40.9% 86.4%
Cash Bank In Hand 58.0% 58.0% 12.6%
Current Assets 99.0% 99.0% 99.0%
Creditors Due Within One Year 78.6% 78.6% 76.0%
Net Current Assets Liabilities 20.4% 20.4% 23.0%
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 -14.6% -14.6% -7.9%
Capital Employed - - -
Total Assets Less Current Liabilities 21.4% 21.4% 24.0%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Jan-2025 31-Jan-2023 31-Jan-2022
Liquidity Ratio 1.3 1.3 1.3
Solvency Ratio 0.9 0.9 0.9
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 2
Mortgages Outstanding 0
Mortgages Part Satisfied 0
Mortgages Satisfied 2
Assets and Debt Analysis Unlock full report
Accounts Date 31-Jan-2025 31-Jan-2023 31-Jan-2022
Assets 6,486,153 6,486,153 6,328,612
Debt 7,430,153 7,430,153 6,828,612
Net Assets/Debt -944,000 -944,000 -500,000

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 balance sheet net assets figure is negative.

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 balance sheet net assets figure is negative.   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 balance sheet net assets figure is negative.

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
Current accounting period extended from 31 January 2026 to 30 April 2026
Confirmation statement made on 11 November 2025 with no updates
Resolutions
Resolutions
Confirmation statement made on 23 December 2024 with no updates
Registered office address changed from Room 502, 5th Floor Beaumont House Beaumont Road Banbury OX16 1RH England to Cranfield University Technology Park University Way Cranfield Bedford MK43 0BT on 28 January 2025
Appointment of Mr Omar Galbraith as a director on 30 January 2024
Appointment of Mr Martin Stuart Whittle as a director on 30 January 2024
Confirmation statement made on 23 December 2023 with updates
Termination of appointment of Martin Stuart Whittle as a director on 23 December 2023
Termination of appointment of Omar Galbraith as a director on 23 December 2023
Cessation of Martin Stuart Whittle as a person with significant control on 23 December 2023
Cessation of Omar Galbraith as a person with significant control on 23 December 2023
Appointment of Cobra Holdings Ltd as a director on 23 December 2023
Notification of Cobra Holdings Ltd as a person with significant control on 23 December 2023
Memorandum and Articles of Association
Resolutions
Registered office address changed from 4th Floor Beaumont Road Banbury OX16 1RH England to Room 502, 5th Floor Beaumont House Beaumont Road Banbury OX16 1RH on 1 November 2023
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