Company Overview
Lend4 Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Tuesday 15 November 2016, so this is a well established company. Lend4 Limited has been in business for 9 years and 4 months. The accounts status is total exemption full and the accounts are next due on Wednesday 31 August 2022.
Registered Address

424, Spurling Cannon Ltd Margate Road, Ramsgate, CT12 6SJ
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Companies House Data
Company NameLEND4 LIMITED
Company Number10478449
Registered Office Address424, Spurling Cannon Ltd Margate Road
 CT12 6SJ
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date15/11/2016
Accounting Reference Date Day30
Accounting Reference Date Month11
Accounts Next Due Date31/08/2022
Accounts Last Made Up Date30/11/2020
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date13/12/2017
Directors & Members
Show Resigned
Lucy Thomas - Director
(British, 43 years old, born June 1983)
Appointed 24 August 2018
 Active
Secretaries
No Secretaries Appointed
Other Company Directorships
Lucy Thomas
KOPA BUILD LIMITED
PEONISMS LIMITED
THANET MORTGAGES LIMITED
URBAN FITNESS MARGATE LTD
Balance Sheet Unlock full report
Accounts Date 30-Nov-2020 30-Nov-2019 30-Nov-2018
Balance Sheet
Fixed Assets 337 449 0
Current Assets 17,303 7,603 1,000
Creditors Due Within One Year 65,305 32,659 0
Working Cap -48,002 -25,056 1,000
Total Assets Less Current Liabilities -47,665 -24,607 1,000
Long-term Liabilities 0 0 0
Net Assets -47,665 -24,607 1,000
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds -47,665 -24,607 1,000
Common Size Financial Analysis Unlock full report
Accounts Date 30-Nov-2020 30-Nov-2019 30-Nov-2018
Tangible Fixed Assets - - -
Fixed Assets 1.9% 5.6% 0.0%
Stocks Inventory - - -
Debtors 25.9% 25.0% -
Cash Bank In Hand 72.2% 69.5% 100.0%
Current Assets 98.1% 94.4% 100.0%
Creditors Due Within One Year 370.2% 405.6% 0.0%
Net Current Assets Liabilities -272.1% -311.2% 100.0%
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 -270.2% -305.6% 100.0%
Capital Employed - - -
Total Assets Less Current Liabilities -270.2% -305.6% 100.0%
Financial Ratio Analysis Unlock full report
Accounts Date 30-Nov-2020 30-Nov-2019 30-Nov-2018
Liquidity Ratio 0.3 0.2 1000.0
Solvency Ratio 0.3 0.2 ∞
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-2020 30-Nov-2019 30-Nov-2018
Assets 17,640 8,052 1,000
Debt 65,305 32,659 0
Net Assets/Debt -47,665 -24,607 1,000
Current debt exceeded short term liquid assets as at the balance sheet date. 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 net assets figure is negative. 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  Current debt exceeded short term liquid assets as at the balance sheet date. 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 net assets figure is negative. 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.   Current debt exceeded short term liquid assets as at the balance sheet date. 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 net assets figure is negative. 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
Voluntary strike-off action has been suspended
First Gazette notice for voluntary strike-off
Application to strike the company off the register
Confirmation statement made on 28 July 2021 with updates
Compulsory strike-off action has been discontinued
Confirmation statement made on 28 July 2020 with updates
First Gazette notice for compulsory strike-off
Confirmation statement made on 28 July 2019 with updates
Notification of Lucy Ann Thomas as a person with significant control on 24 August 2018
Confirmation statement made on 28 August 2018 with updates
Termination of appointment of Alistair Mcpherson as a director on 24 August 2018
Appointment of Ms Lucy Ann Thomas as a director on 24 August 2018
Cessation of Alistair Mcpherson as a person with significant control on 14 April 2018
Confirmation statement made on 31 October 2017 with updates
Incorporation
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