Company Overview
Lairgate Financial Ltd is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Tuesday 24 November 2015, so this is a well established company. Lairgate Financial Ltd has been in business for 10 years and 4 months. The accounts status is unaudited abridged and the accounts are next due on Monday 31 August 2026.
Registered Address

31 Lairgate, Beverley, East Yorkshire, HU17 8ET
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Companies House Data
Company NameLAIRGATE FINANCIAL LTD
Company Number09886324
Registered Office Address31 Lairgate
 HU17 8ET
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date24/11/2015
Accounting Reference Date Day30
Accounting Reference Date Month11
Accounts Next Due Date31/08/2026
Accounts Last Made Up Date30/11/2024
Accounts Account CategoryUNAUDITED ABRIDGED
Returns Next Due Date28/06/2017
Returns Last Made Up Date31/05/2016
Previous Company NameChanged Date
JAMES FINANCIAL WEALTH MANAGEMENT LTD27 Nov 2020
Directors & Members
Show Resigned
Wayne Audsley - Director
(British, 44 years old, born March 1982)
Appointed 22 June 2016
 Active
Secretaries
No Secretaries Appointed
Other Company Directorships
Wayne Audsley
HUMBER STREET GYM LIMITED
REDMEN INVESTMENTS LIMITED
Balance Sheet Unlock full report
Accounts Date 30-Nov-2024 30-Nov-2022 30-Nov-2021
Balance Sheet
Fixed Assets 3,104 3,104 3,981
Current Assets 178,749 178,749 225,654
Creditors Due Within One Year 47,633 47,633 54,374
Working Cap 131,116 131,116 171,280
Total Assets Less Current Liabilities 134,220 134,220 175,261
Long-term Liabilities 119,219 119,219 160,260
Net Assets 15,001 15,001 15,001
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 15,001 15,001 15,001
Common Size Financial Analysis Unlock full report
Accounts Date 30-Nov-2024 30-Nov-2022 30-Nov-2021
Tangible Fixed Assets - - -
Fixed Assets 1.7% 1.7% 1.7%
Stocks Inventory - - -
Debtors 4.2% 4.2% 1.4%
Cash Bank In Hand 94.1% 94.1% 96.9%
Current Assets 98.3% 98.3% 98.3%
Creditors Due Within One Year 26.2% 26.2% 23.7%
Net Current Assets Liabilities 72.1% 72.1% 74.6%
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 8.2% 8.2% 6.5%
Capital Employed - - -
Total Assets Less Current Liabilities 73.8% 73.8% 76.3%
Financial Ratio Analysis Unlock full report
Accounts Date 30-Nov-2024 30-Nov-2022 30-Nov-2021
Liquidity Ratio 3.8 3.8 4.2
Solvency Ratio 1.1 1.1 1.1
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 30-Nov-2024 30-Nov-2022 30-Nov-2021
Assets 181,853 181,853 229,635
Debt 166,852 166,852 214,634
Net Assets/Debt 15,001 15,001 15,001

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 presents modest net assets. For the size of the company as inferred by the balance sheet the amount of net assets represents a moderate 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 presents modest net assets. For the size of the company as inferred by the balance sheet the amount of net assets represents a moderate 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 presents modest net assets. For the size of the company as inferred by the balance sheet the amount of net assets represents a moderate 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
Other Business around HU17 8ET
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31 Lairgate, Beverley, East Yorkshire, HU17 8ET
GAUNT HALL LIMITED
The Chapel, Bridge Street, Driffield, HU17 8ET
CROSBY FERGUSON & MEDCALF LIMITED
MORLEY'S HOUSE, MORLEY'S YARD, BEVERLEY, EAST YORKSHIRE, HU17 8ET
THE WINDMILL INN BEVERLEY LIMITED
53 LAIRGATE, BEVERLEY, EAST YORKSHIRE, HU17 8ET
Document Filings
Confirmation statement made on 23 March 2026 with updates
Cessation of Phillip Maxwell Betts as a person with significant control on 13 March 2026
Termination of appointment of Phillip Maxwell Betts as a director on 10 July 2025
Confirmation statement made on 31 May 2025 with no updates
Confirmation statement made on 31 May 2024 with no updates
Confirmation statement made on 31 May 2023 with updates
Termination of appointment of Nyree Jo-Anne Ceesay as a director on 5 September 2022
Director's details changed for Mr Wayne Audsley on 21 July 2022
Change of details for Mr Wayne Audsley as a person with significant control on 6 May 2022
Confirmation statement made on 31 May 2022 with no updates
Director's details changed for Mrs Nyree Jo-Anne Ceesay on 8 December 2021
Confirmation statement made on 31 May 2021 with updates
Resolutions
Change of details for Mr Wayne Audsley as a person with significant control on 18 November 2020
Notification of Wayne Audsley as a person with significant control on 17 November 2020
Director's details changed for Mrs Nyree Jo-Anne Ceesay on 18 November 2020
Registered office address changed from Planet House 2 Woodhouse Street Hedon Road Hull HU9 1RJ England to 31 Lairgate Beverley East Yorkshire HU17 8ET on 18 November 2020
Confirmation statement made on 31 May 2020 with updates
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