Company Overview
Andy Joad Roofing Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Friday 12 June 2015, so this is a well established company. Andy Joad Roofing Limited has been in business for 10 years and 10 months. The accounts status is total exemption full and the accounts are next due on Monday 31 May 2027.
Registered Address

7/8 Avon Reach Monkton Hill, Chippenham, Wiltshire, SN15 1EE
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Companies House Data
Company NameANDY JOAD ROOFING LIMITED
Company Number09636291
Registered Office Address7/8 Avon Reach Monkton Hill
 SN15 1EE
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date12/06/2015
Accounting Reference Date Day31
Accounting Reference Date Month8
Accounts Next Due Date31/05/2027
Accounts Last Made Up Date31/08/2025
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date10/07/2017
Returns Last Made Up Date12/06/2016
Directors & Members
Andrew Joad - Director
(British, 55 years old, born April 1971)
Appointed 12 June 2015
 Active
Katrina Joad - Director
(British, 62 years old, born June 1964)
Appointed 18 March 2019
 Active
Secretaries
No Secretaries Appointed
Other Company Directorships
Andrew Joad
No companies found
Katrina Joad
KSFL WILTSHIRE LLP
Balance Sheet Unlock full report
Accounts Date 31-Aug-2025 31-Aug-2023 31-Aug-2022
Balance Sheet
Fixed Assets 8,159 8,159 10,540
Current Assets 40,275 40,275 32,251
Creditors Due Within One Year 46,784 46,784 40,440
Working Cap -6,509 -6,509 -8,189
Total Assets Less Current Liabilities 1,650 1,650 2,351
Long-term Liabilities 1,550 1,550 2,251
Net Assets 100 100 100
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 100 100 100
Common Size Financial Analysis Unlock full report
Accounts Date 31-Aug-2025 31-Aug-2023 31-Aug-2022
Tangible Fixed Assets - - -
Fixed Assets 16.8% 16.8% 24.6%
Stocks Inventory - - -
Debtors 22.0% 22.0% 38.9%
Cash Bank In Hand 61.2% 61.2% 36.5%
Current Assets 83.2% 83.2% 75.4%
Creditors Due Within One Year 96.6% 96.6% 94.5%
Net Current Assets Liabilities -13.4% -13.4% -19.1%
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 0.2% 0.2% 0.2%
Capital Employed - - -
Total Assets Less Current Liabilities 3.4% 3.4% 5.5%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Aug-2025 31-Aug-2023 31-Aug-2022
Liquidity Ratio 0.9 0.9 0.8
Solvency Ratio 1.0 1.0 1.0
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-Aug-2025 31-Aug-2023 31-Aug-2022
Assets 48,434 48,434 42,791
Debt 48,334 48,334 42,691
Net Assets/Debt 100 100 100

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.

As at the balance sheet date short term liquid assets were less than current debt. We would normally view this in the context of other profitability and solvency indicators. 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 slender 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.As at the balance sheet date short term liquid assets were less than current debt. We would normally view this in the context of other profitability and solvency indicators. 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 slender 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.As at the balance sheet date short term liquid assets were less than current debt. We would normally view this in the context of other profitability and solvency indicators. 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 slender 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 27 June 2025 with no updates
Confirmation statement made on 27 June 2024 with no updates
Registered office address changed from 7/8 Avon Reach Chippenham Wiltshire SN15 1EE United Kingdom to 7/8 Avon Reach Monkton Hill Chippenham Wiltshire SN15 1EE on 3 August 2023
Registered office address changed from C/O Chippendale and Clark Absol House Ivy Road Industrial Estate Chippenham Wiltshire SN15 1SB United Kingdom to 7/8 Avon Reach Chippenham Wiltshire SN15 1EE on 27 July 2023
Confirmation statement made on 27 June 2023 with no updates
Confirmation statement made on 27 June 2022 with no updates
Confirmation statement made on 12 June 2021 with no updates
Confirmation statement made on 12 June 2020 with no updates
Confirmation statement made on 12 June 2019 with no updates
Appointment of Mrs Katrina Rosanna Joad as a director on 18 March 2019
Confirmation statement made on 12 June 2018 with no updates
Confirmation statement made on 12 June 2017 with updates
Previous accounting period extended from 31 May 2016 to 31 August 2016
Annual return made up to 12 June 2016 with full list of shareholders
Previous accounting period shortened from 30 June 2016 to 31 May 2016
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