Company Overview
Pearl Finance Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Friday 17 December 2021. Pearl Finance Limited has been in business for 4 years and 3 months. The accounts status is total exemption full and the accounts are next due on Wednesday 30 September 2026.
Registered Address

35 Ballards Lane, London, N3 1XW
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Companies House Data
Company NamePEARL FINANCE LIMITED
Company Number13806371
Registered Office Address35 Ballards Lane
 N3 1XW
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date17/12/2021
Accounting Reference Date Day31
Accounting Reference Date Month12
Accounts Next Due Date30/09/2026
Accounts Last Made Up Date31/12/2024
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date14/01/2023
Directors & Members
Show Resigned
Joshua Crocker - Director
(British, 32 years old, born November 1994)
Appointed 11 February 2022
 Active
Elan Crocker - Director
(British, 29 years old, born April 1997)
Appointed 11 February 2022
 Active
Howard Crocker - Director
(British, 64 years old, born December 1962)
Appointed 17 December 2021
 Active
Paul Crocker - Director
(British, 65 years old, born January 1961)
Appointed 17 December 2021
 Active
Secretaries
No Secretaries Appointed
Other Company Directorships
Joshua Crocker
BLUE HAZEL DEVELOPMENTS LIMITED
DPG REALISATIONS 2017 LIMITED
TEMPURA MUSIC LTD
U4IA PRODUCTIONS LIMITED
Elan Crocker
KOOKY TOTTENHAM HALE LIMITED
WIGMORE INVESTMENTS (UK) LIMITED
Howard Crocker
DCD BEECHCROFT GARAGES LIMITED
DELPH FREEHOLD INVESTMENTS LLP
DELPH GROUP HOLDINGS LIMITED
DELPH MANAGEMENT COMPANY LIMITED
DELPH PROPERTIES MANCHESTER 2 LIMITED
DELPH PROPERTIES BURGESS HILL LLP
DELPH PROPERTIES MANCHESTER 1 LTD
DELPH PROPERTIES ONE LORD ST 2 LIMITED
DELPH PROPERTIES ONE LORD ST LIMITED
DELPH PROPERTIES ORLEANS HOUSE LIVERPOOL LLP
DELPH PROPERTIES STANHOPE RD 1 LLP
DELPH PROPERTIES STANHOPE RD LIMITED
DELPH PROPERTY GROUP LIMITED
FORTYTHREE GROUP LTD
GREEN QUARTER 7 DEVELOPMENT LTD
KOOKY ACTON LIMITED
KOOKY ADMIN LIMITED
KOOKY BISHOP’S STORTFORD LIMITED
KOOKY BISHOP'S STORTFORD NOMINEE LIMITED
KOOKY BURGESS LIMITED
KOOKY HIGH WYCOMBE LIMITED
KOOKY LEICESTER LIMITED
KOOKY LIMITED
KOOKY MANAGEMENT COMPANY LIMITED
KOOKY MILL HILL LIMITED
KOOKY REDHILL LIMITED
KOOKY STAINES LIMITED
KOOKY STAINES MANAGEMENT COMPANY LIMITED
KOOKY TOTTENHAM HALE LIMITED
KOOKY TRADEMARK EUROPE AND AMERICA LLP
KOOKY TRADEMARK LLP
KOOKY WHETSTONE LIMITED
KOOKY WHETSTONE NOMINEE LIMITED
ONE LORD ST MANAGEMENT COMPANY LIMITED
Paul Crocker
CQN RTM COMPANY LIMITED
DCD BEECHCROFT GARAGES LIMITED
DELPH FM LTD
DELPH FREEHOLD INVESTMENTS LLP
DELPH GROUP HOLDINGS LIMITED
DELPH MANAGEMENT COMPANY LIMITED
DELPH PROPERTIES MANCHESTER 2 LIMITED
DELPH PROPERTIES BURGESS HILL LLP
DELPH PROPERTIES ONE LORD ST 2 LIMITED
DELPH PROPERTIES ONE LORD ST LIMITED
DELPH PROPERTIES STANHOPE RD 1 LLP
DELPH PROPERTIES STANHOPE RD LIMITED
DELPH PROPERTY GROUP LIMITED
FORTYTHREE GROUP LTD
GREEN QUARTER 7 DEVELOPMENT LTD
KOOKY ACTON LIMITED
KOOKY ADMIN LIMITED
KOOKY BISHOP’S STORTFORD LIMITED
KOOKY BISHOP'S STORTFORD NOMINEE LIMITED
KOOKY BURGESS LIMITED
KOOKY HIGH WYCOMBE LIMITED
KOOKY LEICESTER LIMITED
KOOKY LIMITED
KOOKY MANAGEMENT COMPANY LIMITED
KOOKY MILL HILL LIMITED
KOOKY REDHILL LIMITED
KOOKY STAINES LIMITED
KOOKY STAINES MANAGEMENT COMPANY LIMITED
KOOKY TRADEMARK EUROPE AND AMERICA LLP
KOOKY TRADEMARK LLP
KOOKY WHETSTONE LIMITED
KOOKY WHETSTONE NOMINEE LIMITED
ONE LORD ST MANAGEMENT COMPANY LIMITED
WIGMORE INVESTMENT (UK) 2 LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 31-Jul-2022 31-Jul-2021
Balance Sheet
Fixed Assets 75,477 75,477 -
Current Assets 102,137,782 102,137,782 -
Creditors Due Within One Year 10,205,153 10,205,153 -
Working Cap 91,932,629 91,932,629 -
Total Assets Less Current Liabilities 92,008,106 92,008,106 -
Long-term Liabilities 10,000 10,000 -
Net Assets 91,998,106 91,998,106 -
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 91,998,106 91,998,106 -
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Jul-2022 31-Jul-2021
Tangible Fixed Assets - - -
Fixed Assets 0.1% 0.1% -
Stocks Inventory - - -
Debtors 82.8% 82.8% -
Cash Bank In Hand 15.9% 15.9% -
Current Assets 99.9% 99.9% -
Creditors Due Within One Year 10.0% 10.0% -
Net Current Assets Liabilities 89.9% 89.9% -
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 90.0% 90.0% -
Capital Employed - - -
Total Assets Less Current Liabilities 90.0% 90.0% -
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Jul-2022 31-Jul-2021
Liquidity Ratio 10.0 10.0 0.0
Solvency Ratio 10.0 10.0 -
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 31-Dec-2024 31-Jul-2022 31-Jul-2021
Assets 102,213,259 102,213,259 -
Debt 10,215,153 10,215,153 -
Net Assets/Debt 91,998,106 91,998,106 -

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.

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 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.

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
Confirmation statement made on 16 December 2025 with updates
Director's details changed for Mr Paul Jacob Crocker on 26 November 2025
Director's details changed for Mr Howard Henry Crocker on 26 November 2025
Director's details changed for Mr Paul Jacob Crocker on 3 November 2025
Director's details changed for Mr Howard Henry Crocker on 3 November 2025
Director's details changed for Mr Paul Jacob Crocker on 7 April 2025
Director's details changed for Mr Howard Henry Crocker on 7 April 2025
Registered office address changed from 6th Floor 9 Appold Street London EC2A 2AP United Kingdom to 35 Ballards Lane London N3 1XW on 8 January 2025
Confirmation statement made on 16 December 2024 with no updates
Director's details changed for Mr Joshua Joseph Crocker on 2 November 2023
Confirmation statement made on 16 December 2023 with no updates
Current accounting period extended from 31 July 2023 to 31 December 2023
Confirmation statement made on 16 December 2022 with no updates
Change of details for Delph Group Holdings Limited as a person with significant control on 25 May 2022
Registered office address changed from Devonshire House 60 Goswell Road London EC1M 7AD United Kingdom to 6th Floor 9 Appold Street London EC2A 2AP on 25 May 2022
Current accounting period shortened from 31 December 2022 to 31 July 2022
Appointment of Elan Tommy Crocker as a director on 11 February 2022
Termination of appointment of Erika Suze Crocker as a director on 11 February 2022
Appointment of Mr Joshua Joseph Crocker as a director on 11 February 2022
Appointment of Erika Suze Crocker as a director on 1 February 2022
Incorporation
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