Company Overview
Everyday Loans Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Monday 15 August 2005, so this is a well established company. Everyday Loans 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

1St Floor North, 2 Dukes Meadow, Bourne End, Buckinghamshire, SL8 5XF
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Companies House Data
Company NameEVERYDAY LOANS LIMITED
Company Number05536115
Registered Office Address1st Floor North
 2 Dukes Meadow
 SL8 5XF
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date15/08/2005
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 Date12/09/2016
Returns Last Made Up Date15/08/2015
Previous Company NameChanged Date
CLOTHCO 05004 LIMITED08 Feb 2006
Directors & Members
Show Resigned
Christian Cutter - Director
(British, 48 years old, born December 1978)
Appointed 04 October 2022
 Active
Jonathan Gillespie - Director
(British, 54 years old, born November 1972)
Appointed 17 December 2019
 Active
Christopher Pearson - Director
(British, 44 years old, born June 1982)
Appointed 01 February 2023
 Active
Secretaries
Show Resigned
Other Company Directorships
Christian Cutter
EVERYDAY LENDING LIMITED
EVERYDAY LOANS HOLDINGS LIMITED
Jonathan Gillespie
CLAREANT LENDING HOLDCO LIMITED
CONSUMER CREDIT TRADE ASSOCIATION
EVERYDAY LENDING LIMITED
EVERYDAY LOANS HOLDINGS LIMITED
GEORGE BANCO LIMITED
GEORGE BANCO.COM LIMITED
JAGHOLIDAYS LTD
Christopher Pearson
EVERYDAY LENDING LIMITED
EVERYDAY LOANS HOLDINGS LIMITED
EVLO LIMITED
LOANS AT HOME LIMITED
NON-STANDARD FINANCE SUBSIDIARY II LIMITED
NON-STANDARD FINANCE SUBSIDIARY III LIMITED
S.D. TAYLOR LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2014 31-Dec-2013
Balance Sheet
Fixed Assets 1,824,000 1,824,000 2,799,000
Current Assets 17,985,000 17,985,000 18,383,000
Creditors Due Within One Year 4,959,000 4,959,000 3,645,000
Working Cap 13,026,000 13,026,000 14,738,000
Total Assets Less Current Liabilities 14,850,000 14,850,000 17,537,000
Long-term Liabilities 0 0 0
Net Assets 14,850,000 14,850,000 17,537,000
Share Capital & Reserves
Share Cap 6,000 6,000 6,000
Profit & Loss Reserves 14,844,000 14,844,000 17,531,000
Other Reserves 0 0 0
Shareholders Funds 14,850,000 14,850,000 17,537,000
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2014 31-Dec-2013
Tangible Fixed Assets - - -
Fixed Assets 9.2% 9.2% 13.2%
Stocks Inventory 0.0% 0.0% 0.0%
Debtors 0.0% 0.0% 0.0%
Cash Bank In Hand 0.3% 0.3% 0.3%
Current Assets 90.8% 90.8% 86.8%
Creditors Due Within One Year 25.0% 25.0% 17.2%
Net Current Assets Liabilities 65.8% 65.8% 69.6%
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 75.0% 75.0% 82.8%
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 74.9% 74.9% 82.8%
Shareholder Funds 75.0% 75.0% 82.8%
Capital Employed - - -
Total Assets Less Current Liabilities 75.0% 75.0% 82.8%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2014 31-Dec-2013
Liquidity Ratio 3.6 3.6 5.0
Solvency Ratio 4.0 4.0 5.8
Reserves to Assets 0.7 0.7 0.8
Secured Creditors Unlock full report
Mortgages Charges 19
Mortgages Outstanding 3
Mortgages Part Satisfied 0
Mortgages Satisfied 16
Assets and Debt Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2014 31-Dec-2013
Assets 19,809,000 19,809,000 21,182,000
Debt 4,959,000 4,959,000 3,645,000
Net Assets/Debt 14,850,000 14,850,000 17,537,000

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 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 indicates the net assets of a good sized company. 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 indicates the net assets of a good sized company. 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 indicates the net assets of a good sized company. 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
Confirmation statement made on 9 August 2025 with no updates
Registered office address changed from 1st Floor North 2 Dukes Meadow Bourne End Buckinghamshire SL8 5XF England to Suite 3, 1st Floor Aquasulis House 10 - 14 Bath Road Slough SL1 3SQ on 3 June 2025
Change of details for Everyday Loans Holdings Limited as a person with significant control on 1 June 2025
Director's details changed for Mr Christian Cutter on 9 March 2023
Confirmation statement made on 9 August 2024 with no updates
Termination of appointment of Charlotte Anne Norris as a secretary on 28 March 2024
Termination of appointment of Jason Bovington as a director on 20 February 2024
Termination of appointment of Andrew James Forsyth as a director on 7 November 2023
Confirmation statement made on 9 August 2023 with no updates
Director's details changed for Mr Jonathan Richard Gillespie on 5 July 2021
Change of details for Everyday Loans Holdings Limited as a person with significant control on 5 July 2021
Registration of charge 055361150019, created on 7 July 2023
Termination of appointment of Charles Henry Gregson as a director on 23 June 2023
Second filing for the appointment of Mr Christopher John Pearson as a director
Appointment of Mr Christopher John Pearson as a director on 1 February 2022
Appointment of Mr Charles Henry Gregson as a director on 4 October 2022
Appointment of Mr Jason Bovington as a director on 4 October 2022
Appointment of Mr Christian Cutter as a director on 4 October 2022
Appointment of Miss Charlotte Anne Norris as a secretary on 4 October 2022
Termination of appointment of Reena Patel as a secretary on 12 August 2022
Confirmation statement made on 9 August 2022 with no updates
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