Company Overview
Impact Lending Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Friday 11 January 2019, so this is a well established company. Impact Lending Limited has been in business for 7 years and 2 months. The accounts status is total exemption full and the accounts are next due on Wednesday 31 December 2025.
Registered Address

19Th Floor 1 Westfield Avenue, London, E20 1HZ
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Companies House Data
Company NameIMPACT LENDING LIMITED
Company Number11762048
Registered Office Address19th Floor 1 Westfield Avenue
 E20 1HZ
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date11/01/2019
Accounting Reference Date Day31
Accounting Reference Date Month3
Accounts Next Due Date31/12/2025
Accounts Last Made Up Date31/03/2024
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date08/02/2020
Previous Company NameChanged Date
HAMBROS SECURED LENDING LIMITED29 Jan 2021
Directors & Members
Show Resigned
Hershel Gluck - Director
(British, 48 years old, born November 1978)
Appointed 04 April 2025
 Active
Secretaries
No Secretaries Appointed
Other Company Directorships
Hershel Gluck
CHESHUNT ROAD LIMITED
DIPLI LTD
EXCLUSIVE ESTATES LIMITED
GLOWVISTA INVESTMENTS LTD
HIJ HOLDINGS LIMITED
HOFFMAN'S FISH AND DELICATESSEN LTD
HOFFMAN'S FOODS LIMITED
IMPACT CAPITAL GROUP LIMITED
IMPACT DEVELOPMENT MANAGEMENT LTD
IMPACT DEVELOPMENTS CHIGWELL 2 LTD
IMPACT DEVELOPMENTS DEAL LTD
IMPACT DEVELOPMENTS FAVERSHAM LTD
IMPACT DEVELOPMENTS GRAVESEND LTD
IMPACT DEVELOPMENTS GROUP LIMITED
IMPACT DEVELOPMENTS ROMFORD LTD
IMPACT DEVELOPMENTS SEVENOAKS LTD
IMPACT LENDING FRIARS VIEW LIMITED
IMPACT LENDING NO 2 LIMITED
IMPACT MODULAR GROUP LIMITED
IMPACT OFFICES LIMITED
IMPACT SMART HOMES LIMITED
LUSH ESTATES LIMITED
MAJASCULE LIMITED
P & C PROPERTY INVESTMENT LIMITED
PACE IMPACT LTD
PACE IMPACT PROPCO LTD
PACT CHIGWELL LTD
PACT DEAL LTD
PACT GRAVESEND LTD
PACT HAMPSHIRE LTD
PACT LENDCO LTD
PACT PROP LTD
PACT SUFFOLK LTD
Balance Sheet Unlock full report
Accounts Date 31-Mar-2024 31-Mar-2022 31-Mar-2021
Balance Sheet
Fixed Assets 0 0 0
Current Assets 26,570,656 26,570,656 27,426,613
Creditors Due Within One Year 1,527,968 1,527,968 1,689,035
Working Cap 25,042,688 25,042,688 25,737,578
Total Assets Less Current Liabilities 25,042,688 25,042,688 25,737,578
Long-term Liabilities 0 0 0
Net Assets 25,042,688 25,042,688 25,737,578
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 25,042,688 25,042,688 25,737,578
Common Size Financial Analysis Unlock full report
Accounts Date 31-Mar-2024 31-Mar-2022 31-Mar-2021
Tangible Fixed Assets - - -
Fixed Assets 0.0% 0.0% 0.0%
Stocks Inventory - - -
Debtors 72.7% 72.7% 55.9%
Cash Bank In Hand 27.3% 27.3% 44.1%
Current Assets 100.0% 100.0% 100.0%
Creditors Due Within One Year 5.8% 5.8% 6.2%
Net Current Assets Liabilities 94.2% 94.2% 93.8%
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 94.2% 94.2% 93.8%
Capital Employed - - -
Total Assets Less Current Liabilities 94.2% 94.2% 93.8%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Mar-2024 31-Mar-2022 31-Mar-2021
Liquidity Ratio 17.4 17.4 16.2
Solvency Ratio 17.4 17.4 16.2
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 2
Mortgages Outstanding 0
Mortgages Part Satisfied 0
Mortgages Satisfied 2
Assets and Debt Analysis Unlock full report
Accounts Date 31-Mar-2024 31-Mar-2022 31-Mar-2021
Assets 26,570,656 26,570,656 27,426,613
Debt 1,527,968 1,527,968 1,689,035
Net Assets/Debt 25,042,688 25,042,688 25,737,578

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 has some deficiency. The balance sheet indicates the net assets of a good sized company. 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 has some deficiency. The balance sheet indicates the net assets of a good sized company. 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 has some deficiency. The balance sheet indicates the net assets of a good sized company. 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
Other Business around E20 1HZ
No other companies found in the same location
Document Filings
Registered office address changed from Lower Ground Floor 13 High Road London N15 6LT England to Level One 86 Queens Road Buckhurst Hill IG9 5BS on 12 December 2025
Confirmation statement made on 28 September 2025 with updates
Registered office address changed from 45 Stamford Hill London N16 5SR England to Lower Ground Floor 13 High Road London N15 6LT on 3 November 2025
Memorandum and Articles of Association
Resolutions
Resolutions
Termination of appointment of Stanbreck Properties Ltd as a director on 4 April 2025
Cessation of Robert David Whitton as a person with significant control on 4 April 2025
Registered office address changed from 19th Floor 1 Westfield Avenue London E20 1HZ United Kingdom to 45 Stamford Hill London N16 5SR on 7 April 2025
Termination of appointment of Sebastian Victor Whitton as a director on 4 April 2025
Appointment of Mr Hershel Gluck as a director on 4 April 2025
Cessation of Mpb Finance Ltd as a person with significant control on 4 April 2025
Termination of appointment of Eva Carter as a director on 4 April 2025
Termination of appointment of Robert David Whitton as a director on 4 April 2025
Notification of Pace Impact Ltd as a person with significant control on 4 April 2025
Appointment of Stanbreck Properties Ltd as a director on 11 February 2025
Termination of appointment of Baruch Erlich as a director on 11 February 2025
Appointment of Baruch Erlich as a director on 11 February 2025
Termination of appointment of Matthew Welsh as a director on 10 February 2025
Termination of appointment of Paul Hilton as a director on 10 February 2025
Registered office address changed from 1 Vicarage Lane London E15 4HF England to 19th Floor 1 Westfield Avenue London E20 1HZ on 9 January 2025
Confirmation statement made on 28 September 2024 with no updates
Satisfaction of charge 117620480002 in full
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