Company Overview
Afl Credit & Finance Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Tuesday 29 May 2001, so this is a well established company. Afl Credit & Finance Limited has been in business for 24 years and 10 months. The accounts status is total exemption full and the accounts are next due on Wednesday 31 December 2025.
Registered Address

Arran, Yew Tree Road, Grange-Over-Sands, LA11 7AA
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Companies House Data
Company NameAFL CREDIT & FINANCE LIMITED
Company Number04223936
Registered Office AddressArran
 Yew Tree Road
 LA11 7AA
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date29/05/2001
Accounting Reference Date Day31
Accounting Reference Date Month3
Accounts Next Due Date31/12/2026
Accounts Last Made Up Date31/03/2025
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date26/06/2017
Returns Last Made Up Date29/05/2016
Directors & Members
Show Resigned
Brian Ingham - Director
(British, 74 years old, born January 1952)
Appointed 07 June 2001
 Active
Secretaries
Show Resigned
Julia Ingham - Secretary
(British)
Appointed 04 October 2006
 Active
Other Company Directorships
Brian Ingham
GREY & CO (FACILITIES) LIMITED
NIHLOBSTAT LIMITED
STRAWBERRY HOW LIMITED
WESTGATE RISK SOLUTIONS LTD
Balance Sheet Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2022 31-Mar-2021
Balance Sheet
Fixed Assets 1,725 1,725 1,641
Current Assets 51,568 51,568 56,974
Creditors Due Within One Year 23,757 23,757 24,286
Working Cap 27,811 27,811 32,688
Total Assets Less Current Liabilities 29,536 29,536 34,329
Long-term Liabilities 0 0 0
Net Assets 29,536 29,536 34,329
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 29,536 29,536 34,329
Common Size Financial Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2022 31-Mar-2021
Tangible Fixed Assets - - -
Fixed Assets 3.2% 3.2% 2.8%
Stocks Inventory - - -
Debtors 0.7% 0.7% 13.2%
Cash Bank In Hand 69.2% 69.2% 75.5%
Current Assets 96.8% 96.8% 97.2%
Creditors Due Within One Year 44.6% 44.6% 41.4%
Net Current Assets Liabilities 52.2% 52.2% 55.8%
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 55.4% 55.4% 58.6%
Capital Employed - - -
Total Assets Less Current Liabilities 55.4% 55.4% 58.6%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2022 31-Mar-2021
Liquidity Ratio 2.2 2.2 2.3
Solvency Ratio 2.2 2.2 2.4
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 3
Mortgages Outstanding 0
Mortgages Part Satisfied 0
Mortgages Satisfied 3
Assets and Debt Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2022 31-Mar-2021
Assets 53,293 53,293 58,615
Debt 23,757 23,757 24,286
Net Assets/Debt 29,536 29,536 34,329

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 LA11 7AA
STONE & SURFACES DIRECT LIMITED
HYBURNE, YEW TREE ROAD, GRANGE-OVER-SANDS, LA11 7AA
Document Filings
Confirmation statement made on 15 December 2025 with no updates
Confirmation statement made on 18 December 2024 with no updates
Registered office address changed from Green Head Garden Storth Road Storth Milnthorpe LA7 7HF England to Arran Yew Tree Road Grange-over-Sands LA11 7AA on 7 May 2024
Confirmation statement made on 18 December 2023 with no updates
Confirmation statement made on 18 December 2022 with no updates
Confirmation statement made on 18 December 2021 with updates
Confirmation statement made on 29 May 2021 with no updates
Registered office address changed from 31 Barn Field Close Colne BB8 0QB England to Green Head Garden Storth Road Storth Milnthorpe LA7 7HF on 14 March 2021
Confirmation statement made on 29 May 2020 with no updates
Confirmation statement made on 29 May 2019 with no updates
Satisfaction of charge 3 in full
Confirmation statement made on 29 May 2018 with no updates
Registered office address changed from Greys House 102-104 Westgate Burnley Lancashire BB11 1SD to 31 Barn Field Close Colne BB8 0QB on 5 December 2017
Satisfaction of charge 1 in full
Confirmation statement made on 29 May 2017 with updates
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