Company Overview
Harbour Rock Capital Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Thursday 21 July 2016, so this is a well established company. Harbour Rock Capital Limited has been in business for 9 years and 8 months. The accounts status is full and the accounts are next due on Thursday 31 December 2026.
Registered Address

Affinity House Beaufort Court, Sir Thomas Longley Road, Medway City Estate, Rochester, Kent, ME2 4FD
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Companies House Data
Company NameHARBOUR ROCK CAPITAL LIMITED
Company Number10290349
Registered Office AddressAffinity House Beaufort Court, Sir Thomas Longley Road
 Medway City Estate
 ME2 4FD
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date21/07/2016
Accounting Reference Date Day31
Accounting Reference Date Month3
Accounts Next Due Date31/12/2026
Accounts Last Made Up Date31/03/2025
Accounts Account CategoryFULL
Returns Next Due Date18/08/2017
Previous Company NameChanged Date
PORTAFINA INVESTMENT MANAGEMENT LTD07 Jul 2023
Directors & Members
Show Resigned
Keith Carby - Director
(British, 80 years old, born September 1946)
Appointed 11 October 2023
 Active
Paul Dunne - Director
(British, 51 years old, born December 1975)
Appointed 24 November 2022
 Active
Azalea Gras-Velázquez - Director
(Spanish, 40 years old, born March 1986)
Appointed 21 October 2025
 Active
Jonathan Purle - Director
(British, 52 years old, born January 1974)
Appointed 01 October 2023
 Active
Christopher Wood - Director
(British, 57 years old, born July 1969)
Appointed 14 April 2023
 Active
Secretaries
No Secretaries Appointed
Other Company Directorships
Keith Carby
No companies found
Paul Dunne
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Azalea Gras-Velázquez
PRISM INVESTMENTS LIMITED
Jonathan Purle
No companies found
Christopher Wood
PRISM INVESTMENTS LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2022 31-Mar-2021
Balance Sheet
Fixed Assets 0 0 0
Current Assets 5,546,352 5,546,352 6,444,317
Creditors Due Within One Year 1,445,986 1,445,986 3,160,095
Working Cap 4,100,366 4,100,366 3,284,222
Total Assets Less Current Liabilities 4,100,366 4,100,366 3,284,222
Long-term Liabilities 608,665 608,665 608,665
Net Assets 3,491,701 3,491,701 2,675,557
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 3,491,701 3,491,701 2,675,557
Common Size Financial Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2022 31-Mar-2021
Tangible Fixed Assets - - -
Fixed Assets 0.0% 0.0% 0.0%
Stocks Inventory - - -
Debtors 18.9% 18.9% 24.2%
Cash Bank In Hand 34.5% 34.5% 45.4%
Current Assets 100.0% 100.0% 100.0%
Creditors Due Within One Year 26.1% 26.1% 49.0%
Net Current Assets Liabilities 73.9% 73.9% 51.0%
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 63.0% 63.0% 41.5%
Capital Employed - - -
Total Assets Less Current Liabilities 73.9% 73.9% 51.0%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2022 31-Mar-2021
Liquidity Ratio 3.8 3.8 2.0
Solvency Ratio 2.7 2.7 1.7
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 1
Mortgages Outstanding 0
Mortgages Part Satisfied 0
Mortgages Satisfied 1
Assets and Debt Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2022 31-Mar-2021
Assets 5,546,352 5,546,352 6,444,317
Debt 2,054,651 2,054,651 3,768,760
Net Assets/Debt 3,491,701 3,491,701 2,675,557

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
Appointment of Mrs Azalea Gras-Velázquez as a director on 21 October 2025
Confirmation statement made on 20 July 2025 with no updates
Termination of appointment of Kevin Keane as a director on 16 April 2025
Director's details changed for Mr Chris John Wood on 14 April 2023
Confirmation statement made on 20 July 2024 with updates
Statement of capital following an allotment of shares on 28 June 2024
Satisfaction of charge 102903490001 in full
Statement of capital following an allotment of shares on 27 March 2024
Appointment of Mr Keith Arthur Carby as a director on 11 October 2023
Appointment of Mr Jonathan Richard Gerald Purle as a director on 1 October 2023
Change of details for Portafina Group Limited as a person with significant control on 7 July 2023
Confirmation statement made on 20 July 2023 with no updates
Certificate of change of name
Termination of appointment of Jamie Brett Smith-Thompson as a director on 19 April 2023
Appointment of Mr Chris John Wood as a director on 14 April 2023
Appointment of Mr Paul Anthony Dunne as a director on 24 November 2022
Confirmation statement made on 20 July 2022 with updates
Statement of capital following an allotment of shares on 10 June 2022
Statement of capital on 24 June 2022
Statement by Directors
Solvency Statement dated 10/06/22
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