Company Overview
M & M Commercial Finance Ltd is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Wednesday 04 January 2017, so this is a well established company. M & M Commercial Finance Ltd has been in business for 9 years and 3 months. The accounts status is micro entity and the accounts are next due on Saturday 31 January 2026.
Registered Address

27 Abercorn Gardens, Harrow, HA3 0PB
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Companies House Data
Company NameM & M COMMERCIAL FINANCE LTD
Company Number10545548
Registered Office Address27 Abercorn Gardens
 HA3 0PB
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date04/01/2017
Accounting Reference Date Day30
Accounting Reference Date Month4
Accounts Next Due Date31/01/2026
Accounts Last Made Up Date30/04/2024
Accounts Account CategoryMICRO ENTITY
Returns Next Due Date01/02/2018
Directors & Members
Show Resigned
Zach Matai - Director
(British, 43 years old, born May 1983)
Appointed 04 January 2017
 Active
Secretaries
No Secretaries Appointed
Other Company Directorships
Zach Matai
No companies found
Balance Sheet Unlock full report
Accounts Date 30-Apr-2024 30-Apr-2021 30-Apr-2020
Balance Sheet
Fixed Assets 253 253 337
Current Assets 256,789 256,789 325,048
Creditors Due Within One Year 55,694 55,694 215,789
Working Cap 201,095 201,095 109,259
Total Assets Less Current Liabilities 201,348 201,348 109,596
Long-term Liabilities 33,000 33,000 0
Net Assets 168,348 168,348 109,596
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 168,348 168,348 109,596
Common Size Financial Analysis Unlock full report
Accounts Date 30-Apr-2024 30-Apr-2021 30-Apr-2020
Tangible Fixed Assets - - -
Fixed Assets 0.1% 0.1% 0.1%
Stocks Inventory - - -
Debtors - - -
Cash Bank In Hand - - -
Current Assets 99.9% 99.9% 99.9%
Creditors Due Within One Year 21.7% 21.7% 66.3%
Net Current Assets Liabilities 78.2% 78.2% 33.6%
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 65.5% 65.5% 33.7%
Capital Employed - - -
Total Assets Less Current Liabilities 78.3% 78.3% 33.7%
Financial Ratio Analysis Unlock full report
Accounts Date 30-Apr-2024 30-Apr-2021 30-Apr-2020
Liquidity Ratio 4.6 4.6 1.5
Solvency Ratio 2.9 2.9 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-Apr-2024 30-Apr-2021 30-Apr-2020
Assets 257,042 257,042 325,385
Debt 88,694 88,694 215,789
Net Assets/Debt 168,348 168,348 109,596

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 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. 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. 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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MATRIX DESIGN & EVENTS LIMITED
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Document Filings
Confirmation statement made on 31 December 2025 with no updates
Director's details changed for Mr Zach Matai on 1 October 2025
Change of details for Mr Zach Matai as a person with significant control on 1 October 2025
Registered office address changed from 27 Abercorn Gardens Harrow HA3 0PB England to 382 Kenton Road Harrow Middlesex HA3 8DP on 1 October 2025
Confirmation statement made on 31 December 2024 with updates
Confirmation statement made on 31 December 2023 with no updates
Termination of appointment of Satish Matai as a director on 7 December 2023
Confirmation statement made on 31 December 2022 with no updates
Confirmation statement made on 31 December 2021 with no updates
Confirmation statement made on 31 December 2020 with updates
Change of details for Mr Zach Matai as a person with significant control on 6 April 2020
Cessation of Satish Matai as a person with significant control on 6 April 2020
Confirmation statement made on 31 December 2019 with no updates
Confirmation statement made on 31 December 2018 with no updates
Confirmation statement made on 31 December 2017 with no updates
Withdrawal of a person with significant control statement on 5 January 2018
Notification of Satish Matai as a person with significant control on 4 January 2017
Notification of Zach Matai as a person with significant control on 4 January 2017
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