Company Overview
Ipsum Holdings Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Thursday 14 April 2016, so this is a well established company. Ipsum Holdings Limited has been in business for 10 years. The accounts status is group and the accounts are next due on Tuesday 31 March 2026.
Registered Address

18 The Bridge Business Centre, Beresford Way, Chesterfield, Derbyshire, S41 9FG
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Companies House Data
Company NameIPSUM HOLDINGS LIMITED
Company Number10125915
Registered Office Address18 The Bridge Business Centre
 Beresford Way
 S41 9FG
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date14/04/2016
Accounting Reference Date Day31
Accounting Reference Date Month3
Accounts Next Due Date31/03/2026
Accounts Last Made Up Date31/03/2024
Accounts Account CategoryGROUP
Returns Next Due Date18/07/2017
Returns Last Made Up Date20/06/2016
Directors & Members
Show Resigned
Stephen Baker - Director
(British, 70 years old, born July 1956)
Appointed 19 February 2019
 Active
Brian Brodie - Director
(British, 61 years old, born July 1965)
Appointed 01 January 2024
 Active
Andrew Copsey - Director
(British, 60 years old, born December 1966)
Appointed 01 July 2022
 Active
Keith Cottam - Director
(British, 64 years old, born September 1962)
Appointed 01 September 2017
 Active
Richard Marlow - Director
(British, 57 years old, born February 1969)
Appointed 01 September 2017
 Active
Secretaries
No Secretaries Appointed
Other Company Directorships
Stephen Baker
No companies found
Brian Brodie
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Andrew Copsey
No companies found
Keith Cottam
AFFORDABLE MORTGAGES.CO.UK LIMITED
ESG COMMERCIAL FINANCE LIMITED
IPSUM ASSET MANAGEMENT LIMITED
IPSUM CAPITAL (GB) LIMITED
IPSUM CAPITAL (UK) LIMITED
IPSUM CAPITAL HOLDINGS LIMITED
IPSUM CAPITAL LIMITED
IPSUM COMMERCIAL LIMITED
IPSUM FINANCE LIMITED
KAMY DERBYSHIRE LIMITED
RESTART (HOLDINGS) LIMITED
RESTART BTI LLP
RESTART BUSINESS TURNAROUND AND INSOLVENCY LIMITED
SME COMMERCIAL FINANCE LIMITED
SME COMMERCIAL FUNDING LIMITED
SME COMMERCIAL HOLDINGS LIMITED
SME COMMERCIAL LENDING LIMITED
Richard Marlow
AFFORDABLE MORTGAGES.CO.UK LIMITED
ESG COMMERCIAL FINANCE LIMITED
IPSUM ASSET MANAGEMENT LIMITED
IPSUM CAPITAL (GB) LIMITED
IPSUM CAPITAL (UK) LIMITED
IPSUM CAPITAL HOLDINGS LIMITED
IPSUM CAPITAL LIMITED
IPSUM COMMERCIAL LIMITED
IPSUM FINANCE LIMITED
MARCOTT LIMITED
SME COMMERCIAL FINANCE LIMITED
SME COMMERCIAL FUNDING LIMITED
SME COMMERCIAL HOLDINGS LIMITED
SME COMMERCIAL LENDING LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Mar-2024 31-Dec-2018 31-Dec-2017
Balance Sheet
Fixed Assets 449 449 349
Current Assets 12,169 12,169 200
Creditors Due Within One Year 449 449 449
Working Cap 11,720 11,720 -249
Total Assets Less Current Liabilities 12,169 12,169 100
Long-term Liabilities 0 0 0
Net Assets 12,169 12,169 100
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 12,169 12,169 100
Common Size Financial Analysis Unlock full report
Accounts Date 31-Mar-2024 31-Dec-2018 31-Dec-2017
Tangible Fixed Assets - - -
Fixed Assets 3.6% 3.6% 63.6%
Stocks Inventory - - -
Debtors 94.3% 94.3% -
Cash Bank In Hand 2.1% 2.1% 36.4%
Current Assets 96.4% 96.4% 36.4%
Creditors Due Within One Year 3.6% 3.6% 81.8%
Net Current Assets Liabilities 92.9% 92.9% -45.4%
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 96.4% 96.4% 18.2%
Capital Employed - - -
Total Assets Less Current Liabilities 96.4% 96.4% 18.2%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Mar-2024 31-Dec-2018 31-Dec-2017
Liquidity Ratio 27.1 27.1 0.4
Solvency Ratio 28.1 28.1 1.2
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 4
Mortgages Outstanding 1
Mortgages Part Satisfied 0
Mortgages Satisfied 3
Assets and Debt Analysis Unlock full report
Accounts Date 31-Mar-2024 31-Dec-2018 31-Dec-2017
Assets 12,618 12,618 549
Debt 449 449 449
Net Assets/Debt 12,169 12,169 100

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.

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 latest accounts are not up-to-date. Later accounts are now overdue. Late filing is not a positive factor. Analysis based on the latest figures available must be taken in the context that the figures are not up-to-date.

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 latest accounts are not up-to-date. Later accounts are now overdue. Late filing is not a positive factor. Analysis based on the latest figures available must be taken in the context that the figures are not up-to-date.   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 latest accounts are not up-to-date. Later accounts are now overdue. Late filing is not a positive factor. Analysis based on the latest figures available must be taken in the context that the figures are not up-to-date.

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
Director's details changed for Mr Keith Robin Cottam on 21 November 2025
Confirmation statement made on 20 June 2025 with no updates
Registration of charge 101259150004, created on 29 November 2024
Satisfaction of charge 101259150003 in full
Confirmation statement made on 20 June 2024 with updates
Director's details changed for Mr Richard William Marlow on 31 January 2024
Appointment of Mr Brian Edward Brodie as a director on 1 January 2024
Termination of appointment of Peter Edward Navin as a director on 10 October 2023
Satisfaction of charge 101259150001 in full
Satisfaction of charge 101259150002 in full
Confirmation statement made on 20 June 2023 with updates
Director's details changed for Mr Keith Robin Cottam on 3 May 2023
Director's details changed for Richard Marlow on 3 May 2023
Previous accounting period extended from 31 December 2022 to 31 March 2023
Registration of charge 101259150003, created on 28 July 2022
Appointment of Mr Andrew Norman Copsey as a director on 1 July 2022
Appointment of Mr Peter Edward Navin as a director on 1 July 2022
Confirmation statement made on 20 June 2022 with updates
Termination of appointment of a director
Notification of Ipsum Capital Holdings Limited as a person with significant control on 7 April 2022
Cessation of Richard Marlow as a person with significant control on 7 April 2022
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