Company Overview
Smartcredit Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Thursday 11 August 2005, so this is a well established company. Smartcredit Limited has been in business for 20 years and 7 months. The accounts status is full and the accounts are next due on Wednesday 30 September 2026.
Registered Address

Mayfield House, Lower Railway Road, Ilkley, West Yorkshire, LS29 8FL
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Companies House Data
Company NameSMARTCREDIT LIMITED
Company Number05534508
Registered Office AddressMayfield House
 Lower Railway Road
 LS29 8FL
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date11/08/2005
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 Date13/01/2017
Returns Last Made Up Date17/12/2015
Directors & Members
Show Resigned
Annalisa Amadio - Director
(Italian, 36 years old, born May 1990)
Appointed 19 April 2024
 Active
Philip Cotter - Director
(British, 67 years old, born June 1959)
Appointed 22 April 2024
 Active
Julie Green - Director
(British, 46 years old, born November 1980)
Appointed 01 October 2023
 Active
Seyfi Gunay - Director
(German, 56 years old, born January 1970)
Appointed 06 November 2025
 Active
Joanne Jones - Director
(British, 48 years old, born June 1978)
Appointed 16 January 2025
 Active
Alexander Miell - Director
(British, 51 years old, born January 1975)
Appointed 05 February 2025
 Active
Stuart Morris - Director
(British, 45 years old, born June 1981)
Appointed 07 October 2024
 Active
Collette Smith - Director
(British, 37 years old, born December 1989)
Appointed 13 July 2020
 Active
Secretaries
Show Resigned
Nicola Gifford - Secretary
Appointed 21 May 2021
 Active
Other Company Directorships
Annalisa Amadio
MERCURY BIDCO LIMITED
SMARTSEARCH INTERNATIONAL LIMITED
SOLACE TOPCO LIMITED
Philip Cotter
CREDAS TECHNOLOGIES LTD.
MERCURY BIDCO LIMITED
SMARTSEARCH INTERNATIONAL LIMITED
SOLACE TOPCO LIMITED
XENION CONSULTING LTD
Julie Green
No companies found
Seyfi Gunay
No companies found
Joanne Jones
BOOTS OPTICAL INVESTMENT HOLDINGS LIMITED
BOOTS OPTICIANS PROFESSIONAL SERVICES LIMITED
CREDAS TECHNOLOGIES LTD.
EVERPLAY GROUP PLC
FEDERATION OF OPTOMETRISTS AND DISPENSING OPTICIANS
MERCURY BIDCO LIMITED
MOULDY TOOF STUDIOS LIMITED
SMARTSEARCH INTERNATIONAL LIMITED
SOLACE BIDCO LIMITED
SOLACE CLEANCO LIMITED
SOLACE TOPCO LIMITED
SOLACE VLNCO LIMITED
TEAM 17 DIGITAL LIMITED
TEAM 17 HOLDINGS LIMITED
TEAM 17 SOFTWARE LIMITED
Alexander Miell
No companies found
Stuart Morris
No companies found
Collette Smith
SOLACE TOPCO LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2015 31-Dec-2014
Balance Sheet
Fixed Assets 270,643 270,643 319,172
Current Assets 857,096 857,096 818,810
Creditors Due Within One Year 566,082 566,082 532,473
Working Cap 291,014 291,014 286,337
Total Assets Less Current Liabilities 561,657 561,657 605,509
Long-term Liabilities 328,642 328,642 0
Net Assets 233,015 233,015 605,509
Share Capital & Reserves
Share Cap 1,001 1,001 1,001
Profit & Loss Reserves 232,014 232,014 110,866
Other Reserves 0 0 493,642
Shareholders Funds 233,015 233,015 605,509
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2015 31-Dec-2014
Tangible Fixed Assets 3.6% 3.6% 3.3%
Fixed Assets 24.0% 24.0% 28.0%
Stocks Inventory - - 0.0%
Debtors 34.3% 34.3% 15.1%
Cash Bank In Hand 41.7% 41.7% 56.9%
Current Assets 76.0% 76.0% 72.0%
Creditors Due Within One Year 50.2% 50.2% 46.8%
Net Current Assets Liabilities 25.8% 25.8% 25.2%
Creditors Due After One Year 29.1% 29.1% 0.0%
Accruals Deferred Income - - -
Provisions For Liabilities Charges - - -
Net Assets Liabilities Including Pension Asset Liability 20.7% 20.7% 53.2%
Called Up Share Capital 0.1% 0.1% 0.1%
Share Capital Allotted Called Up Paid 0.1% 0.1% 0.1%
Profit Loss Account Reserve 20.6% 20.6% 9.7%
Shareholder Funds 20.7% 20.7% 53.2%
Capital Employed - - -
Total Assets Less Current Liabilities 49.8% 49.8% 53.2%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2015 31-Dec-2014
Liquidity Ratio 1.5 1.5 1.5
Solvency Ratio 1.3 1.3 2.1
Reserves to Assets 0.2 0.2 0.1
Secured Creditors Unlock full report
Mortgages Charges 3
Mortgages Outstanding 1
Mortgages Part Satisfied 0
Mortgages Satisfied 2
Assets and Debt Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2015 31-Dec-2014
Assets 1,127,739 1,127,739 1,137,982
Debt 894,724 894,724 532,473
Net Assets/Debt 233,015 233,015 605,509

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 amount of net assets suggests sufficient cover for total debts and obligations for the size of the company inferred by the balance sheet.

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 amount of net assets suggests sufficient cover for total debts and obligations for the size of the company inferred by the balance sheet.   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 amount of net assets suggests sufficient cover for total debts and obligations for the size of the company inferred by the balance sheet.

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 LS29 8FL
No other companies found in the same location
Document Filings
Appointment of Mr Seyfi Gunay as a director on 6 November 2025
Termination of appointment of Fraser John Bran Mitchell as a director on 30 September 2025
Termination of appointment of Stephen Paul Eddie as a director on 1 August 2025
Confirmation statement made on 27 June 2025 with no updates
Director's details changed for Ms Annalisa Amadio on 3 April 2025
Appointment of Mrs Joanne Jones as a director on 16 January 2025
Appointment of Mr Alexander Edward Miell as a director on 5 February 2025
Termination of appointment of Claire Helen Elcock as a director on 31 December 2024
Appointment of Mr Stephen Paul Eddie as a director on 7 October 2024
Appointment of Mr Stuart Morris as a director on 7 October 2024
Memorandum and Articles of Association
Resolutions
Registration of charge 055345080003, created on 9 August 2024
Termination of appointment of James Dobson as a director on 31 July 2024
Termination of appointment of Martin Cheek as a director on 30 June 2024
Confirmation statement made on 27 June 2024 with no updates
Second filing for the appointment of Mr Philip Cotter as a director
Appointment of Ms Annalisa Amadio as a director on 19 April 2024
Termination of appointment of Roland Pezzutto as a director on 19 April 2024
Termination of appointment of John Kenneth Dobson as a director on 19 April 2024
Termination of appointment of Michael John Green as a director on 19 April 2024
Termination of appointment of Guy Edward Harrison as a director on 19 April 2024
Appointment of Mr Philip Joseph Cotter as a director on 22 April 2024
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