Company Overview
First Complete Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Wednesday 06 April 2005, so this is a well established company. First Complete Limited has been in business for 20 years and 11 months. The accounts status is full and the accounts are next due on Wednesday 30 September 2026.
Registered Address

Newcastle House Albany Court, Newcastle Business Park, Newcastle Upon Tyne, Tyne And Wear, NE4 7YB
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Companies House Data
Company NameFIRST COMPLETE LIMITED
Company Number05416236
Registered Office AddressNewcastle House Albany Court
 Newcastle Business Park
 NE4 7YB
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date06/04/2005
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 Date04/05/2017
Returns Last Made Up Date06/04/2016
Directors & Members
Show Resigned
Darrell Evans - Director
(British, 57 years old, born May 1969)
Appointed 01 February 2026
 Active
Bryce Glover - Director
(British, 66 years old, born July 1960)
Appointed 01 January 2024
 Active
Lynzi Harrison - Director
(British, 52 years old, born June 1974)
Appointed 01 January 2024
 Active
Richard Howells - Director
(British, 55 years old, born August 1971)
Appointed 23 February 2024
 Active
John Lowe - Director
(British, 54 years old, born October 1972)
Appointed 01 November 2022
 Active
Secretaries
Show Resigned
Other Company Directorships
Darrell Evans
LSL PROPERTY SERVICES PLC
Bryce Glover
ADVANCE MORTGAGE FUNDING LIMITED
AHN1 LIMITED
CREDIT ASSET MANAGEMENT LIMITED
CYGNET PROPERTIES AND LEISURE PLC
NATIONWIDE HOUSING TRUST LIMITED
NEWCASTLE STRATEGIC SOLUTIONS LIMITED
NMC1 LIMITED
PERSONAL TOUCH FINANCIAL SERVICES LIMITED
PROFESSIONS FUNDING LIMITED
PROPERTY & FUNDING SOLUTIONS LTD
RECOGNISE BANK LIMITED
TENETLIME LIMITED
THE NATIONWIDE FOUNDATION
UNITED TRUST BANK LIMITED
Lynzi Harrison
ADVANCE MORTGAGE FUNDING LIMITED
PERSONAL TOUCH FINANCIAL SERVICES LIMITED
TENETLIME LIMITED
Richard Howells
ADVANCE MORTGAGE FUNDING LIMITED
DIRECT LIFE AND PENSION SERVICES LIMITED
DIRECT LIFE LIMITED
DIRECT LIFE QUOTE HOLDINGS LIMITED
GATEWAY SPECIALIST ADVICE SERVICES LIMITED
LENDING SOLUTIONS HOLDINGS LIMITED
LENDING SOLUTIONS LIMITED
LIFEQUOTE LIMITED
LINEAR FINANCIAL SERVICES HOLDINGS LIMITED
LINEAR MORTGAGE NETWORK HOLDINGS LIMITED
LINEAR WEALTH MANAGEMENT LIMITED
MORTGAGE GYM SOLUTIONS LTD.
PERSONAL TOUCH ADMINISTRATION SERVICES LIMITED
PERSONAL TOUCH FINANCIAL SERVICES LIMITED
QUALIS WEALTH LIMITED
SESAME BANKHALL VALUATION SERVICES LIMITED
SESAME GENERAL INSURANCE SERVICES LIMITED
SESAME LIMITED
SESAME REGULATORY SERVICES LIMITED
SESAME SERVICES LIMITED
TENETLIME LIMITED
John Lowe
ADVANCE MORTGAGE FUNDING LIMITED
BERRY BIRCH & NOBLE MANAGEMENT LTD
PERSONAL TOUCH FINANCIAL SERVICES LIMITED
REDWOOD BANK LIMITED
TENETLIME LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2012 31-Dec-2011
Balance Sheet
Fixed Assets 3,686,000 3,686,000 3,856,000
Current Assets 9,142,000 9,142,000 7,972,000
Creditors Due Within One Year 8,020,000 8,020,000 7,237,000
Working Cap 1,122,000 1,122,000 735,000
Total Assets Less Current Liabilities 4,808,000 4,808,000 4,591,000
Long-term Liabilities 3,000 3,000 0
Net Assets 4,805,000 4,805,000 4,591,000
Share Capital & Reserves
Share Cap 0 0 0
Profit & Loss Reserves 4,774,000 4,774,000 4,560,000
Other Reserves 31,000 31,000 31,000
Shareholders Funds 4,805,000 4,805,000 4,591,000
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2012 31-Dec-2011
Tangible Fixed Assets - - -
Fixed Assets 28.7% 28.7% 32.6%
Stocks Inventory 0.0% 0.0% 0.0%
Debtors 49.1% 49.1% 51.5%
Cash Bank In Hand 22.1% 22.1% 15.9%
Current Assets 71.3% 71.3% 67.4%
Creditors Due Within One Year 62.5% 62.5% 61.2%
Net Current Assets Liabilities 8.7% 8.7% 6.2%
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 37.5% 37.5% 38.8%
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 37.2% 37.2% 38.6%
Shareholder Funds 37.5% 37.5% 38.8%
Capital Employed - - -
Total Assets Less Current Liabilities 37.5% 37.5% 38.8%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2012 31-Dec-2011
Liquidity Ratio 1.1 1.1 1.1
Solvency Ratio 1.6 1.6 1.6
Reserves to Assets 0.4 0.4 0.4
Secured Creditors Unlock full report
Mortgages Charges 2
Mortgages Outstanding 0
Mortgages Part Satisfied 0
Mortgages Satisfied 2
Assets and Debt Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2012 31-Dec-2011
Assets 12,828,000 12,828,000 11,828,000
Debt 8,023,000 8,023,000 7,237,000
Net Assets/Debt 4,805,000 4,805,000 4,591,000

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 current section of the balance sheet has positive working capital. We would normally consider 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 current section of the balance sheet has positive working capital. We would normally consider 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 current section of the balance sheet has positive working capital. We would normally consider 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
Appointment of Darrell Paul Evans as a director on 1 February 2026
Termination of appointment of David Stewart as a director on 14 January 2026
Termination of appointment of Jonathan Pearson Round as a director on 31 December 2025
Change of details for Lending Solutions Holdings Ltd as a person with significant control on 30 May 2025
Registered office address changed from Newcastle House Albany Court Newcastle Business Park Newcastle upon Tyne Tyne and Wear NE4 7YB to First Floor, Victoria House Hampshire Court, East Newcastle Business Park Scotswood Road Newcastle upon Tyne NE4 7YJ on 12 June 2025
Termination of appointment of Dominic John Beever as a director on 3 June 2025
Appointment of Mr David Stewart as a director on 1 May 2025
Confirmation statement made on 5 April 2025 with no updates
Termination of appointment of Sapna Bedi Fitzgerald as a secretary on 15 September 2024
Confirmation statement made on 5 April 2024 with no updates
Appointment of Mr Jonathan Pearson Round as a director on 1 March 2024
Appointment of Mr Richard James Howells as a director on 23 February 2024
Termination of appointment of Jonathan Pearson Round as a director on 23 February 2024
Termination of appointment of Toni Smith as a director on 16 February 2024
Appointment of Mr Bryce Paul Glover as a director on 1 January 2024
Appointment of Lynzi Harrison as a director on 1 January 2024
Appointment of Dominic John Beever as a director on 30 April 2023
Termination of appointment of Stuart Whittle as a director on 30 April 2023
Confirmation statement made on 5 April 2023 with no updates
Termination of appointment of Richard Martin Smith as a director on 9 March 2023
Termination of appointment of Richard Stephen Coulson as a director on 28 February 2023
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