Company Overview
Garic Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Friday 12 February 1988, so this is a well established company. Garic Limited has been in business for 38 years and 1 month. The accounts status is full and the accounts are next due on Wednesday 30 September 2026.
Registered Address

3Rd Floor Walker House, Exchange Flags, Liverpool, L2 3YL
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Companies House Data
Company NameGARIC LIMITED
Company Number02220727
Registered Office Address3rd Floor Walker House
 Exchange Flags
 L2 3YL
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date12/02/1988
Accounting Reference Date Day31
Accounting Reference Date Month12
Accounts Next Due Date30/09/2026
Accounts Last Made Up Date31/12/2024
Accounts Account CategoryFULL
Returns Next Due Date01/06/2017
Returns Last Made Up Date04/05/2016
Directors & Members
Show Resigned
Geoffrey Bibby - Director
(British, 61 years old, born February 1965)
Appointed 01 January 2021
 Active
Asif Latief - Director
(British, 49 years old, born August 1977)
Appointed 01 December 2025
 Active
Jonathan Lewis - Director
(British, 53 years old, born June 1973)
Appointed 01 September 2019
 Active
Mary Oliver - Director
(British, 45 years old, born August 1981)
Appointed 01 November 2024
 Active
Brian Sherlock - Director
(British, 65 years old, born March 1961)
Appointed 19 May 2025
 Active
Bibby Bros. & Co. (Management) Limited - Secretary
Appointed 23 October 2008
 Active
Secretaries
Show Resigned
Bibby Bros. & Co. (Management) Limited - Secretary
Appointed 23 October 2008
 Active
Other Company Directorships
Geoffrey Bibby
BIBBY BROS. & CO. (MANAGEMENT) LIMITED
BIBBY FINANCIAL SERVICES LIMITED
BIBBY MARINE LIMITED
Asif Latief
ALCO SUPPORT SERVICES LTD
ILLUMIN8 LIGHTS LIMITED
SALFORD CITY REDS (2013) LIMITED
SALFORD RD HOLDINGS
SALFORD RED DEVILS FOUNDATION
Jonathan Lewis
BIBBY BROS. & CO. (MANAGEMENT) LIMITED
BIBBY ECOWAVE LIMITED
BIBBY FINANCIAL SERVICES LIMITED
BIBBY HOLDINGS LIMITED
BIBBY LINE GROUP LIMITED
BIBBY LINE LIMITED
BIBBY MARINE LIMITED
BIBBY TAURUS LIMITED
COSTCUTTER SUPERMARKETS HOLDINGS LIMITED
IMAGINATION TECHNOLOGIES GROUP LIMITED
IMAGINATION TECHNOLOGIES LIMITED
JGL ADVISORY LIMITED
MENZIES DISTRIBUTION SERVICES LIMITED
MENZIES DISTRIBUTION SOLUTIONS LIMITED
MILL LINK 2 LIMITED
MILL LINK 3 LIMITED
Mary Oliver
BIBBY BULK CARRIERS LIMITED
BIBBY GAS CARRIER LIMITED
BIBBY HOLDINGS LIMITED
BIBBY LINE LIMITED
BIBBY NAVIGATION LIMITED
BIBBY POOL PARTNER LIMITED
BIBBY TAURUS LIMITED
BIBBY TRADER LIMITED
BIBBY TRANSPORT LIMITED
MNP EG LIMITED
Brian Sherlock
No companies found
Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Balance Sheet
Fixed Assets 28,589 28,589 26,626
Current Assets 11,468 11,468 10,238
Creditors Due Within One Year 6,505 6,505 7,574
Working Cap 4,963 4,963 2,664
Total Assets Less Current Liabilities 33,552 33,552 29,290
Long-term Liabilities 29,602 29,602 25,340
Net Assets 3,950 3,950 3,950
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 3,950 3,950 3,950
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Tangible Fixed Assets - - -
Fixed Assets 71.4% 71.4% 72.2%
Stocks Inventory - - -
Debtors 24.3% 24.3% 21.7%
Cash Bank In Hand 1.8% 1.8% 1.9%
Current Assets 28.6% 28.6% 27.8%
Creditors Due Within One Year 16.2% 16.2% 20.5%
Net Current Assets Liabilities 12.4% 12.4% 7.2%
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 9.9% 9.9% 10.7%
Capital Employed - - -
Total Assets Less Current Liabilities 83.8% 83.8% 79.5%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Liquidity Ratio 1.8 1.8 1.4
Solvency Ratio 1.1 1.1 1.1
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 14
Mortgages Outstanding 4
Mortgages Part Satisfied 0
Mortgages Satisfied 10
Assets and Debt Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Assets 40,057 40,057 36,864
Debt 36,107 36,107 32,914
Net Assets/Debt 3,950 3,950 3,950

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 presents modest net assets. For the size of the company inferred by the balance sheet this level of net assets suggests total debts and obligations were moderately well covered.

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 presents modest net assets. For the size of the company inferred by the balance sheet this level of net assets suggests total debts and obligations were moderately well covered.   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 presents modest net assets. For the size of the company inferred by the balance sheet this level of net assets suggests total debts and obligations were moderately well covered.

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
Termination of appointment of Peter John Bibby as a director on 31 December 2025
Appointment of Mr Asif Latief as a director on 1 December 2025
Director's details changed for Mr Peter John Bibby on 5 September 2025
Termination of appointment of Mark Albiston as a director on 13 July 2025
Appointment of Brian Foster Sherlock as a director on 19 May 2025
Confirmation statement made on 8 May 2025 with no updates
Termination of appointment of Craig Malloy as a director on 1 November 2024
Appointment of Mrs Mary Louise Oliver as a director on 1 November 2024
Confirmation statement made on 8 May 2024 with no updates
Registration of charge 022207270014, created on 25 April 2024
Satisfaction of charge 022207270013 in full
Satisfaction of charge 022207270007 in full
Satisfaction of charge 022207270011 in full
Termination of appointment of Nigel Colin Patrick Quinn as a director on 30 September 2023
Confirmation statement made on 8 May 2023 with no updates
Appointment of Mr Craig Malloy as a director on 23 January 2023
Director's details changed for Mr Mark Albiston on 25 October 2022
Termination of appointment of Mark Tyldsley as a director on 30 June 2022
Termination of appointment of Andrew John Goody as a director on 1 June 2022
Confirmation statement made on 8 May 2022 with no updates
Director's details changed for Mr Peter John Bibby on 25 March 2022
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