Company Overview
Home Credit Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Tuesday 21 November 2000, so this is a well established company. Home Credit Limited has been in business for 25 years and 4 months. The accounts status is micro entity and the accounts are next due on Tuesday 30 June 2026.
Registered Address

The Annex The Manor House, Over Compton, Sherborne, Dorset, DT9 4QU
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Companies House Data
Company NameHOME CREDIT LIMITED
Company Number04111270
Registered Office AddressThe Annex The Manor House
 Over Compton
 DT9 4QU
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date21/11/2000
Accounting Reference Date Day30
Accounting Reference Date Month9
Accounts Next Due Date30/06/2026
Accounts Last Made Up Date30/09/2024
Accounts Account CategoryMICRO ENTITY
Returns Next Due Date27/10/2016
Returns Last Made Up Date29/09/2015
Previous Company NameChanged Date
EASYPAWN LIMITED13 Sep 2020
Directors & Members
Show Resigned
John De Blocq Van Kuffeler - Director
(British, 77 years old, born January 1949)
Appointed 01 December 2022
 Active
Andrew Lockard - Director
(British, 50 years old, born June 1976)
Appointed 01 December 2022
 Active
Secretaries
Show Resigned
Other Company Directorships
John De Blocq Van Kuffeler
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Andrew Lockard
No companies found
Balance Sheet Unlock full report
Accounts Date 30-Sep-2024 30-Sep-2022 30-Sep-2021
Balance Sheet
Fixed Assets 1,314 1,314 1,314
Current Assets 59,637 59,637 56,165
Creditors Due Within One Year 25,260 25,260 13,148
Working Cap 34,377 34,377 43,017
Total Assets Less Current Liabilities 35,691 35,691 44,331
Long-term Liabilities 0 0 0
Net Assets 35,691 35,691 44,331
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 35,691 35,691 44,331
Common Size Financial Analysis Unlock full report
Accounts Date 30-Sep-2024 30-Sep-2022 30-Sep-2021
Tangible Fixed Assets - - -
Fixed Assets 2.2% 2.2% 2.3%
Stocks Inventory - - -
Debtors - - -
Cash Bank In Hand - - -
Current Assets 97.8% 97.8% 97.7%
Creditors Due Within One Year 41.4% 41.4% 22.9%
Net Current Assets Liabilities 56.4% 56.4% 74.8%
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 58.6% 58.6% 77.1%
Capital Employed - - -
Total Assets Less Current Liabilities 58.6% 58.6% 77.1%
Financial Ratio Analysis Unlock full report
Accounts Date 30-Sep-2024 30-Sep-2022 30-Sep-2021
Liquidity Ratio 2.4 2.4 4.3
Solvency Ratio 2.4 2.4 4.4
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 3
Mortgages Outstanding 1
Mortgages Part Satisfied 0
Mortgages Satisfied 1
Assets and Debt Analysis Unlock full report
Accounts Date 30-Sep-2024 30-Sep-2022 30-Sep-2021
Assets 60,951 60,951 57,479
Debt 25,260 25,260 13,148
Net Assets/Debt 35,691 35,691 44,331

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 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 presents modest net assets. 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 presents modest net assets. 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
Other Business around DT9 4QU
No other companies found in the same location
Document Filings
Confirmation statement made on 3 February 2026 with updates
Registration of charge 041112700003, created on 12 June 2025
Confirmation statement made on 11 June 2025 with updates
All of the property or undertaking has been released and no longer forms part of charge 041112700002
Confirmation statement made on 2 December 2024 with updates
Notification of John Philip De Blocq Van Kuffeler as a person with significant control on 15 June 2024
Withdrawal of a person with significant control statement on 15 June 2024
Notification of a person with significant control statement
Cessation of Marie Lambert as a person with significant control on 1 December 2023
Confirmation statement made on 2 December 2023 with updates
Termination of appointment of Marie Lambert as a director on 24 October 2023
Registered office address changed from Block 6 1G Long Lane the Dairy Business Park Liverpool L9 7AT England to The Annex the Manor House over Compton Sherborne Dorset DT9 4QU on 20 May 2023
Memorandum and Articles of Association
Resolutions
Memorandum and Articles of Association
Registration of charge 041112700002, created on 1 December 2022
Satisfaction of charge 1 in full
Confirmation statement made on 2 December 2022 with updates
Appointment of Mr John Philip De Blocq Van Kuffeler as a director on 1 December 2022
Appointment of Mr Andrew John Lockard as a director on 1 December 2022
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