Company Overview
Shop Talk Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Wednesday 26 April 2006, so this is a well established company. Shop Talk Limited has been in business for 19 years and 11 months. The accounts status is total exemption full and the accounts are next due on Sunday 28 February 2027.
Registered Address

17 Fryth Mead, St Albans, Hertfordshire, AL3 4TN
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Companies House Data
Company NameSHOP TALK LIMITED
Company Number05796873
Registered Office Address17 Fryth Mead
 AL3 4TN
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date26/04/2006
Accounting Reference Date Day31
Accounting Reference Date Month5
Accounts Next Due Date28/02/2027
Accounts Last Made Up Date31/05/2025
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date24/05/2017
Returns Last Made Up Date26/04/2016
Directors & Members
Show Resigned
Helen Carruthers - Director
(British, 60 years old, born February 1966)
Appointed 26 April 2006
 Active
Andrew Carruthers - Director
(British, 62 years old, born December 1964)
Appointed 01 January 2008
 Active
Secretaries
Show Resigned
Andrew Carruthers - Secretary
(British)
Appointed 26 April 2006
 Active
Other Company Directorships
Helen Carruthers
FINETECH ENGINEERING LIMITED
WORD ON THE STREET LIMITED
Andrew Carruthers
FINETECH ENGINEERING LIMITED
PRAE CLOSE ESTATES MANAGEMENT LIMITED
WORD ON THE STREET LIMITED
Balance Sheet Unlock full report
Accounts Date 31-May-2025 31-May-2022 31-May-2021
Balance Sheet
Fixed Assets 65 65 419
Current Assets 98,736 98,736 95,915
Creditors Due Within One Year 27,990 27,990 12,986
Working Cap 70,746 70,746 82,929
Total Assets Less Current Liabilities 70,811 70,811 83,348
Long-term Liabilities 30,000 30,000 50,038
Net Assets 40,811 40,811 33,310
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 40,811 40,811 33,310
Common Size Financial Analysis Unlock full report
Accounts Date 31-May-2025 31-May-2022 31-May-2021
Tangible Fixed Assets - - -
Fixed Assets 0.1% 0.1% 0.4%
Stocks Inventory - - -
Debtors 93.6% 93.6% 52.4%
Cash Bank In Hand 6.3% 6.3% 47.1%
Current Assets 99.9% 99.9% 99.6%
Creditors Due Within One Year 28.3% 28.3% 13.5%
Net Current Assets Liabilities 71.6% 71.6% 86.1%
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 41.3% 41.3% 34.6%
Capital Employed - - -
Total Assets Less Current Liabilities 71.7% 71.7% 86.5%
Financial Ratio Analysis Unlock full report
Accounts Date 31-May-2025 31-May-2022 31-May-2021
Liquidity Ratio 3.5 3.5 7.4
Solvency Ratio 1.7 1.7 1.5
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 0
Mortgages Outstanding 0
Mortgages Part Satisfied 0
Mortgages Satisfied 0
Assets and Debt Analysis Unlock full report
Accounts Date 31-May-2025 31-May-2022 31-May-2021
Assets 98,801 98,801 96,334
Debt 57,990 57,990 63,024
Net Assets/Debt 40,811 40,811 33,310

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 presents modest net assets. 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. The balance sheet presents modest net assets. 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. The balance sheet presents modest net assets. 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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ARJC CONSULTING LIMITED
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LEDA DESIGNS LIMITED
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Document Filings
Confirmation statement made on 19 May 2025 with updates
Director's details changed for Helen Carruthers on 22 October 2024
Secretary's details changed for Mr Andrew Neil Carruthers on 22 October 2024
Change of details for Mr Andrew Neil Carruthers as a person with significant control on 22 October 2024
Change of details for Mrs Helen Carruthers as a person with significant control on 22 October 2024
Director's details changed for Andrew Neil Carruthers on 22 October 2024
Registered office address changed from 23 Prae Close St Albans Hertfordshire AL3 4SF to 17 Fryth Mead St Albans Hertfordshire AL3 4TN on 1 November 2024
Confirmation statement made on 19 May 2024 with updates
Confirmation statement made on 19 May 2023 with updates
Statement of capital following an allotment of shares on 24 February 2023
Confirmation statement made on 26 April 2022 with no updates
Confirmation statement made on 26 April 2021 with updates
Confirmation statement made on 26 April 2020 with updates
Confirmation statement made on 26 April 2019 with updates
Confirmation statement made on 26 April 2018 with updates
Confirmation statement made on 26 April 2017 with updates
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