Company Overview
The Housing Associations' Charitable Trust is listed at the official companies registry as Active Private Limited Company By Guarantee Without Share Capital, Use Of 'Limited' Exemption. The company was incorporated on Friday 11 October 2002, so this is a well established company. The Housing Associations' Charitable Trust has been in business for 23 years and 5 months. The accounts status is group and the accounts are next due on Wednesday 31 December 2025.
Registered Address

Canopi, 82 Tanner Street, London, SE1 3GN
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Companies House Data
Company NameTHE HOUSING ASSOCIATIONS' CHARITABLE TRUST
Company Number04560091
Registered Office AddressCanopi
 82 Tanner Street
 SE1 3GN
Company CategoryPrivate Limited Company By Guarantee Without Share Capital, Use Of 'Limited' Exemption
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date11/10/2002
Accounting Reference Date Day31
Accounting Reference Date Month3
Accounts Next Due Date31/12/2026
Accounts Last Made Up Date31/03/2025
Accounts Account CategoryGROUP
Returns Next Due Date28/10/2016
Returns Last Made Up Date30/09/2015
Directors & Members
Show Resigned
Gemma Bell-Smith - Director
(British, 42 years old, born November 1984)
Appointed 21 May 2024
 Active
Martin Bickers - Director
(British, 55 years old, born November 1971)
Appointed 16 November 2017
 Active
Michelle Dawson - Director
(British, 51 years old, born January 1975)
Appointed 24 November 2022
 Active
Mary Gibbons - Director
(British, 53 years old, born October 1973)
Appointed 14 November 2019
 Active
Shaun Holdcroft - Director
(British, 46 years old, born January 1980)
Appointed 12 November 2020
 Active
Peter Marsh - Director
(British, 57 years old, born November 1969)
Appointed 27 November 2024
 Active
Caroline Pillay - Director
(British, 58 years old, born September 1968)
Appointed 24 November 2022
 Active
Secretaries
Show Resigned
Other Company Directorships
Gemma Bell-Smith
CAMAU DEVELOPMENTS LIMITED
DELTA COMMUNITY HOUSING LIMITED
DRWM HOMES LIMITED
GB DEVS SHELFCO 1 LIMITED
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GB DEVS SHELFCO 21 LIMITED
GEMMA BELL SHELFCO LIMITED
HEDYN GROUP LIMITED
HEDYN HOMES LIMITED
PORTUS PROPERTY MANAGEMENT LIMITED
SETTLEPARADIGM LIMITED
TAI DRWM LIMITED
Martin Bickers
AUXO LIMITED
HACT HOUSING ACTION LIMITED
M J BICKERS LIMITED
Michelle Dawson
HACT HOUSING ACTION LIMITED
Mary Gibbons
ANGLIA CARE TRUST
HACT HOUSING ACTION LIMITED
ICENI HOMES LIMITED
M J GIBBONS CONSULTING LTD
MYRIAD CAPITAL PLC
MYRIAD HOMES LIMITED
MYRIAD HOUSING LIMITED
STEVENSON'S LEGACY COMPANY LIMITED
SWAN BQ LIMITED
TOWER EDUCATIONAL TRUST LIMITED
VIVO CARE AND SUPPORT LIMITED
VIVO MANAGEMENT SERVICES LIMITED
VIVO SUPPORT CONTRACTS LIMITED
VIVO SUPPORT LIMITED
Shaun Holdcroft
ASHBROOK (2017) MANAGEMENT COMPANY LIMITED
Peter Marsh
HACT HOUSING ACTION LIMITED
PETER MARSH CONSULTING EMPLOYEE OWNERSHIP TRUST LIMITED
PETER MARSH CONSULTING LTD
RHP DEVELOP LIMITED
RHP HOME (REPAIRS) LIMITED
Caroline Pillay
3 ST GEORGES ROAD LTD
AIREY MILLER PARTNERSHIP LLP
HFL BUILD LIMITED
HFL GROUP LIMITED
SUPPORT WHEN IT MATTERS ENTERPRISE CIC
Balance Sheet Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2015 31-Mar-2014
Balance Sheet
Fixed Assets 5,829 5,829 5,237
Current Assets 1,217,940 1,217,940 810,858
Creditors Due Within One Year 339,035 339,035 362,293
Working Cap 878,905 878,905 448,565
Total Assets Less Current Liabilities 884,734 884,734 453,802
Long-term Liabilities 0 0 0
Net Assets 884,734 884,734 453,802
Share Capital & Reserves
Share Cap 0 0 0
Profit & Loss Reserves 884,734 884,734 424,532
Other Reserves 0 0 29,270
Shareholders Funds 884,734 884,734 453,802
Common Size Financial Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2015 31-Mar-2014
Tangible Fixed Assets - - -
Fixed Assets 0.5% 0.5% 0.6%
Stocks Inventory 0.0% 0.0% 0.0%
Debtors 52.3% 52.3% 60.8%
Cash Bank In Hand 44.2% 44.2% 21.7%
Current Assets 99.5% 99.5% 99.4%
Creditors Due Within One Year 27.7% 27.7% 44.4%
Net Current Assets Liabilities 71.8% 71.8% 55.0%
Creditors Due After One Year 0.0% 0.0% 0.0%
Accruals Deferred Income - - -
Provisions For Liabilities Charges - - -
Net Assets Liabilities Including Pension Asset Liability 72.3% 72.3% 55.6%
Called Up Share Capital 0.0% 0.0% 0.0%
Share Capital Allotted Called Up Paid 0.0% 0.0% 0.0%
Profit Loss Account Reserve 72.3% 72.3% 52.0%
Shareholder Funds 72.3% 72.3% 55.6%
Capital Employed - - -
Total Assets Less Current Liabilities 72.3% 72.3% 55.6%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2015 31-Mar-2014
Liquidity Ratio 3.6 3.6 2.2
Solvency Ratio 3.6 3.6 2.3
Reserves to Assets 0.7 0.7 0.5
Secured Creditors Unlock full report
Mortgages Charges 1
Mortgages Outstanding 1
Mortgages Part Satisfied 0
Mortgages Satisfied 0
Assets and Debt Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2015 31-Mar-2014
Assets 1,223,769 1,223,769 816,095
Debt 339,035 339,035 362,293
Net Assets/Debt 884,734 884,734 453,802

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 appeared positive. We would normally view a company positively for this. 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 appeared positive. We would normally view a company positively for this. 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 appeared positive. We would normally view a company positively for this. 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
Termination of appointment of Rachel Honey-Jones as a director on 25 November 2025
Registration of charge 045600910001, created on 17 October 2025
Confirmation statement made on 30 September 2025 with no updates
Termination of appointment of Michelle Levi as a director on 25 February 2025
Appointment of Mrs Sarah Louise Thomas as a director on 27 November 2024
Appointment of Mr Peter Ronald Marsh as a director on 27 November 2024
Termination of appointment of Kalwant Grewal as a director on 27 November 2024
Termination of appointment of Gavin Cansfield as a director on 27 November 2024
Registered office address changed from 82 Tanner Street London SE1 3GN England to Canopi 82 Tanner Street London SE1 3GN on 12 November 2024
Registered office address changed from Can Mezzanine 7-14 Great Dover Street London SE1 4YR England to 82 Tanner Street London SE1 3GN on 12 November 2024
Confirmation statement made on 30 September 2024 with no updates
Appointment of Mrs Gemma Ann Bell-Smith as a director on 21 May 2024
Termination of appointment of Andrew John Cowan as a director on 21 May 2024
Confirmation statement made on 30 September 2023 with no updates
Appointment of Miss Michelle Suzanne Dawson as a director on 24 November 2022
Director's details changed for Ms Rachel Honey-Jones on 7 December 2022
Appointment of Mrs Caroline Akudo Pillay as a director on 24 November 2022
Appointment of Mr Nigel Peter Wilson as a director on 24 November 2022
Termination of appointment of Nick Atkin as a director on 24 November 2022
Confirmation statement made on 30 September 2022 with no updates
Termination of appointment of Samantha Marie Hyde as a director on 4 October 2022
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