Company Overview
F & C (Midlands) Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Thursday 24 December 2015, so this is a well established company. F & C (Midlands) Limited has been in business for 10 years and 3 months. The accounts status is total exemption full and the accounts are next due on Wednesday 31 March 2027.
Registered Address

5 Regent Street, Rugby, Warwickshire, CV21 2PE
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Companies House Data
Company NameF & C (MIDLANDS) LIMITED
Company Number09929046
Registered Office Address5 Regent Street
 CV21 2PE
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date24/12/2015
Accounting Reference Date Day30
Accounting Reference Date Month6
Accounts Next Due Date31/03/2027
Accounts Last Made Up Date30/06/2025
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date21/01/2017
Previous Company NameChanged Date
F & C (MAYFAIR) LIMITED09 Jan 2017
Directors & Members
Sean Newman - Director
(British, 60 years old, born December 1966)
Appointed 24 December 2015
 Active
Secretaries
No Secretaries Appointed
Other Company Directorships
Sean Newman
AGENTS GIVING
BINLEY WOODS MANAGEMENT COMPANY LIMITED
EASYPROPERTY (MIDLANDS) LIMITED
F & C (SOUTH MANCHESTER & EAST CHESHIRE) LIMITED
F&C STRATFORD-UPON-AVON LIMITED
INFINITE PIXEL LIMITED
MORTGAGE ADVICE BUREAU NORTH WEST LIMITED
NEWMAN FRANCHISING LIMITED
NEWMAN MORTGAGE SERVICES LIMITED
NEWMAN PROPERTY PORTFOLIO LIMITED
NEWMAN PROPERTY SERVICES LIMITED
NEWMAN RESIDENTIAL LETTINGS (COVENTRY) LIMITED
NEWMAN RESIDENTIAL LETTINGS LIMITED
ROOTS INSURANCE BROKERS LIMITED
RUGBY COMBINED UNITS CO. (1993) LIMITED
RUGBY OBSERVER LIMITED
THE AUCTION COMPANY (FRANCHISE) LTD
THE AUCTION COMPANY (UK) LTD
THE AUCTION EXPERTS LTD
THE BUSINESS SALE EXPERTS LIMITED
THE COMMERCIAL PROPERTY EXPERTS LIMITED
THE CONVEYANCING EXPERTS NATIONWIDE LTD
THE LETTING EXPERTS (NATIONWIDE) LTD
THE MARKETING EXPERTS (NATIONWIDE) LTD
THE MORTGAGE EXPERTS LIMITED
THE MORTGAGE LODGE LIMITED
THE PROPERTY EXPERTS INTL LTD
THE RECRUITMENT EXPERTS (NATIONWIDE) LTD
THE TRAVEL EXPERTS INTERNATIONAL LTD
Balance Sheet Unlock full report
Accounts Date 30-Jun-2025 30-Jun-2022 30-Jun-2021
Balance Sheet
Fixed Assets 7,092 7,092 7,411
Current Assets 1,998,269 1,998,269 1,870,016
Creditors Due Within One Year 903,050 903,050 1,117,317
Working Cap 1,095,219 1,095,219 752,699
Total Assets Less Current Liabilities 1,102,311 1,102,311 760,110
Long-term Liabilities 83,149 83,149 122,553
Net Assets 1,019,162 1,019,162 637,557
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 1,019,162 1,019,162 637,557
Common Size Financial Analysis Unlock full report
Accounts Date 30-Jun-2025 30-Jun-2022 30-Jun-2021
Tangible Fixed Assets - - -
Fixed Assets 0.4% 0.4% 0.4%
Stocks Inventory - - -
Debtors 42.6% 42.6% 20.1%
Cash Bank In Hand 57.0% 57.0% 79.5%
Current Assets 99.6% 99.6% 99.6%
Creditors Due Within One Year 45.0% 45.0% 59.5%
Net Current Assets Liabilities 54.6% 54.6% 40.1%
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 50.8% 50.8% 34.0%
Capital Employed - - -
Total Assets Less Current Liabilities 55.0% 55.0% 40.5%
Financial Ratio Analysis Unlock full report
Accounts Date 30-Jun-2025 30-Jun-2022 30-Jun-2021
Liquidity Ratio 2.2 2.2 1.7
Solvency Ratio 2.0 2.0 1.5
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-Jun-2025 30-Jun-2022 30-Jun-2021
Assets 2,005,361 2,005,361 1,877,427
Debt 986,199 986,199 1,239,870
Net Assets/Debt 1,019,162 1,019,162 637,557

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. 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. 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. 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 23 December 2025 with no updates
Confirmation statement made on 23 December 2024 with no updates
Confirmation statement made on 23 December 2023 with no updates
Confirmation statement made on 23 December 2022 with no updates
Change of details for Newman Property Services Limited as a person with significant control on 20 October 2022
Registered office address changed from 1 Regent Street Rugby CV21 2PE England to 5 Regent Street Rugby Warwickshire CV21 2PE on 25 October 2022
Confirmation statement made on 23 December 2021 with no updates
Confirmation statement made on 23 December 2020 with no updates
Confirmation statement made on 23 December 2019 with updates
Cessation of Sean Walter Newman as a person with significant control on 2 January 2019
Notification of Newman Property Services Limited as a person with significant control on 2 January 2019
Confirmation statement made on 23 December 2018 with updates
Current accounting period extended from 31 December 2017 to 30 June 2018
Confirmation statement made on 23 December 2017 with no updates
Registered office address changed from Newman Estate Agents 1 Regent Street Rugby Warwickshire CV21 2PE United Kingdom to 1 Regent Street Rugby CV21 2PE on 21 September 2017
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