Company Overview
Hardy Finance Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Tuesday 17 August 2004, so this is a well established company. Hardy Finance Limited has been in business for 21 years and 7 months. The accounts status is total exemption full and the accounts are next due on Saturday 31 January 2026.
Registered Address

4A Church Street, Market Harborough, Leicestershire, LE16 7AA
Credit Reports Available

These credit rating reports are available now:


Credit Analysts Report
Get Report >>

Standard Credit Report
Get Report >>

Basic Credit Report
Get Report >>

24/7 credit rating data feed - no UK company credit reports are updated faster

Companies House Data
Company NameHARDY FINANCE LIMITED
Company Number05207494
Registered Office Address4a Church Street
 LE16 7AA
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date17/08/2004
Accounting Reference Date Day30
Accounting Reference Date Month4
Accounts Next Due Date31/01/2027
Accounts Last Made Up Date30/04/2025
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date14/09/2016
Returns Last Made Up Date17/08/2015
Directors & Members
Show Resigned
Edward Lewy - Director
(British, 28 years old, born October 1998)
Appointed 08 March 2022
 Active
Gary Lewy - Director
(British, 59 years old, born November 1967)
Appointed 02 March 2016
 Active
Secretaries
Show Resigned
Other Company Directorships
Edward Lewy
AFTER MARKET LIMITED
CASH CONVERTERS (LEYTON) LIMITED
CASH ME QUICK LIMITED
CASHRITE LIMITED
FAB TRADING LIMITED
INITIATOR LIMITED
MAIN SPARKS LIMITED
MALACHITE ASSOCIATES LIMITED
MERIDIA MANAGEMENT SERVICES LIMITED
PROJECT TV LIMITED
STARTPLANT SERVICES LIMITED
WOOWOO (EAST) LIMITED
Gary Lewy
AFTER MARKET LIMITED
CASH CONVERTERS (EDMONTON) LIMITED
CASH CONVERTERS (GRAYS) LLP
CASH CONVERTERS (LEYTON) LIMITED
CASH ME QUICK LIMITED
CASHCRAFT (GLOBAL) LIMITED
CASHRITE LIMITED
CC COMPANIES HOLDINGS LIMITED
FAB TRADING LIMITED
GILES POINT LIMITED
GREWT PROPERTY MANAGEMENT LIMITED
HARDY INVESTMENT MANAGEMENT LTD
INITIATOR LIMITED
JAMES LEWY FINANCE LIMITED
LEVER TYPEWRITER CO. LIMITED
MAG INNOVATIONS LTD
MAIN SPARKS LIMITED
MALACHITE ASSOCIATES LIMITED
MERIDIA MANAGEMENT SERVICES LIMITED
P AND J SMITH LIMITED
REWT ASSET MANAGEMENT LIMITED
STARTPLANT SERVICES LIMITED
SURGE ELEMENT LIMITED
TWER LIMITED
Balance Sheet Unlock full report
Accounts Date 30-Apr-2025 30-Apr-2022 30-Apr-2021
Balance Sheet
Fixed Assets 301,511 301,511 301,915
Current Assets 1,472,518 1,472,518 1,078,029
Creditors Due Within One Year 213,680 213,680 252,202
Working Cap 1,258,838 1,258,838 825,827
Total Assets Less Current Liabilities 1,560,349 1,560,349 1,127,742
Long-term Liabilities 1,560,148 1,560,148 1,127,542
Net Assets 201 201 200
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 201 201 200
Common Size Financial Analysis Unlock full report
Accounts Date 30-Apr-2025 30-Apr-2022 30-Apr-2021
Tangible Fixed Assets - - -
Fixed Assets 17.0% 17.0% 21.9%
Stocks Inventory - - -
Debtors 35.2% 35.2% 45.9%
Cash Bank In Hand 29.1% 29.1% 14.4%
Current Assets 83.0% 83.0% 78.1%
Creditors Due Within One Year 12.0% 12.0% 18.3%
Net Current Assets Liabilities 71.0% 71.0% 59.8%
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 0.0% 0.0% 0.0%
Capital Employed - - -
Total Assets Less Current Liabilities 88.0% 88.0% 81.7%
Financial Ratio Analysis Unlock full report
Accounts Date 30-Apr-2025 30-Apr-2022 30-Apr-2021
Liquidity Ratio 6.9 6.9 4.3
Solvency Ratio 1.0 1.0 1.0
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 4
Mortgages Outstanding 1
Mortgages Part Satisfied 0
Mortgages Satisfied 3
Assets and Debt Analysis Unlock full report
Accounts Date 30-Apr-2025 30-Apr-2022 30-Apr-2021
Assets 1,774,029 1,774,029 1,379,944
Debt 1,773,828 1,773,828 1,379,744
Net Assets/Debt 201 201 200

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. The balance sheet displays a very modest amount of net assets. For the size of the company as inferred by the balance sheet the amount of net assets represents a relatively small margin of cover over 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. The balance sheet displays a very modest amount of net assets. For the size of the company as inferred by the balance sheet the amount of net assets represents a relatively small margin of cover over 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. The balance sheet displays a very modest amount of net assets. For the size of the company as inferred by the balance sheet the amount of net assets represents a relatively small margin of cover over 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 LE16 7AA
SYMINGTON MANAGEMENT LIMITED
THISTLEDOWN BARN HOLCOT LANE, SYWELL, NORTHAMPTON, LE16 7AA
HEAD CANDY HAIRDRESSING LTD
26 CHURCH STREET, MARKET HARBOROUGH, LEICESTERSHIRE, LE16 7AA
THE KITCHEN RANGE COOKSHOP LTD
5 CHURCH STREET, MARKET HARBOROUGH, LEICESTERSHIRE, LE16 7AA
MOKO SPA LTD
9-10 Scirocco Close, Moulton Park, Northampton, LE16 7AA
SPRING PLACE (MANAGEMENT COMPANY) LIMITED
43A ST. MARYS ROAD, MARKET HARBOROUGH, LE16 7AA
JAMES SELLICKS (MARKET HARBOROUGH) LIMITED
56 GRANBY STREET, LEICESTER, LEICESTERSHIRE, LE16 7AA
BLACKFRIARS (MARKET HARBOROUGH) MANAGEMENT COMPANY LIMITED
43A ST. MARYS ROAD, MARKET HARBOROUGH, LE16 7AA
FRENCH GREY LIMITED
58 Heygate Street Market Harborough, Leicestershire, LE16 7AA
AS DENISON MANAGEMENT LIMITED
24 Church Street, Market Harborough, Leicestershire, LE16 7AA
LINEY'S BRIDES OF MARKET HARBOROUGH LTD
36 Earnshaw Road, Stoney Stanton, Leicester, LE16 7AA
Document Filings
Notification of Ruth Lewy as a person with significant control on 3 November 2025
Confirmation statement made on 20 October 2025 with updates
Confirmation statement made on 20 October 2024 with updates
Confirmation statement made on 20 October 2023 with updates
Confirmation statement made on 20 October 2022 with updates
Appointment of Mr Edward Lewy as a director on 8 March 2022
Statement of capital following an allotment of shares on 1 December 2021
Confirmation statement made on 21 October 2021 with updates
Termination of appointment of Pamela Dorrington as a director on 20 October 2021
Notification of Gary Raymond Lewy as a person with significant control on 20 October 2021
Cessation of Pamela Dorrington as a person with significant control on 20 October 2021
Confirmation statement made on 19 July 2021 with updates
Registration of charge 052074940004, created on 28 April 2021
Satisfaction of charge 1 in full
Satisfaction of charge 2 in full
Satisfaction of charge 3 in full
Confirmation statement made on 19 July 2020 with updates
Change of details for Mrs Pamela Dorrington as a person with significant control on 13 July 2020
Terms and Conditions Cancellations Contact Us

In using this service you agree to the Terms and Conditions

© 2026 Check Free