Company Overview
Everyday Lending Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Monday 19 June 2006, so this is a well established company. Everyday Lending Limited has been in business for 19 years and 9 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 LENDING LIMITED
Company Number05850869
Registered Office Address1st Floor North
 2 Dukes Meadow
 SL8 5XF
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date19/06/2006
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 Date17/07/2017
Returns Last Made Up Date19/06/2016
Directors & Members
Show Resigned
David Gagie - Director
(British, 71 years old, born February 1955)
Appointed 20 November 2023
 Active
Jonathan Gillespie - Director
(British, 54 years old, born November 1972)
Appointed 17 December 2019
 Active
Serena Joseph - Director
(British, 62 years old, born December 1964)
Appointed 02 September 2024
 Active
Christopher Pearson - Director
(British, 44 years old, born June 1982)
Appointed 01 February 2023
 Active
Secretaries
Show Resigned
John Doherty - Secretary
Appointed 17 July 2024
 Active
Other Company Directorships
David Gagie
APTEM LTD
ARCADE FILMS LLP
CARDNET MERCHANT SERVICES LIMITED
CENTRICOM EUROPE LIMITED
CLAREANT LENDING HOLDCO LIMITED
CLEARBANK LIMITED
CREATE SERVICES LIMITED.
FLYCKE UK LIMITED
FREDRICKSON INTERNATIONAL LIMITED
LOWELL FINANCIAL LTD
LOWELL PORTFOLIO I LTD
MASTERCARD UK MEMBERS FORUM LIMITED
METIS BIDCO LIMITED
NETPRO LIMITED
OCM EPF SPECIALIST LENDING LTD
OPSIMATH LTD
PAYS SERVICES LIMITED
PAYSAFE FINANCIAL SERVICES LIMITED
PAYSAFE HOLDINGS UK LIMITED
PAYSAFE PROCESSING LIMITED
POPULUS CONSULTING LTD
PRIZE VENTURES LIMITED
SCOTTISH WIDOWS CARDS LIMITED
SHAWBROOK BANK LIMITED
SHAWBROOK GROUP PLC
SIMON MIDCO LIMITED
SPECIALIST LENDING LTD
SW TOPCO LIMITED
TRAVELLERS CHEQUE ASSOCIATES LIMITED
VISA UK LIMITED
VOCALINK INTERCHANGE NETWORK LIMITED
Jonathan Gillespie
CLAREANT LENDING HOLDCO LIMITED
CONSUMER CREDIT TRADE ASSOCIATION
EVERYDAY LOANS HOLDINGS LIMITED
EVERYDAY LOANS LIMITED
GEORGE BANCO LIMITED
GEORGE BANCO.COM LIMITED
JAGHOLIDAYS LTD
Serena Joseph
No companies found
Christopher Pearson
EVERYDAY LOANS HOLDINGS LIMITED
EVERYDAY LOANS 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 0 0 0
Current Assets 95,507,000 95,507,000 79,253,000
Creditors Due Within One Year 106,369,000 106,369,000 90,818,000
Working Cap -10,862,000 -10,862,000 -11,565,000
Total Assets Less Current Liabilities -10,862,000 -10,862,000 -11,565,000
Long-term Liabilities 0 0 0
Net Assets -10,862,000 -10,862,000 -11,565,000
Share Capital & Reserves
Share Cap 0 0 0
Profit & Loss Reserves -10,862,000 -10,862,000 -11,565,000
Other Reserves 0 0 0
Shareholders Funds -10,862,000 -10,862,000 -11,565,000
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2014 31-Dec-2013
Tangible Fixed Assets - - -
Fixed Assets 0.0% 0.0% 0.0%
Stocks Inventory 0.0% 0.0% 0.0%
Debtors 0.0% 0.0% 0.0%
Cash Bank In Hand 1.6% 1.6% 1.0%
Current Assets 100.0% 100.0% 100.0%
Creditors Due Within One Year 111.4% 111.4% 114.6%
Net Current Assets Liabilities -11.4% -11.4% -14.6%
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 -11.4% -11.4% -14.6%
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 -11.4% -11.4% -14.6%
Shareholder Funds -11.4% -11.4% -14.6%
Capital Employed - - -
Total Assets Less Current Liabilities -11.4% -11.4% -14.6%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2014 31-Dec-2013
Liquidity Ratio 0.9 0.9 0.9
Solvency Ratio 0.9 0.9 0.9
Reserves to Assets -0.1 -0.1 -0.1
Secured Creditors Unlock full report
Mortgages Charges 34
Mortgages Outstanding 30
Mortgages Part Satisfied 0
Mortgages Satisfied 4
Assets and Debt Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2014 31-Dec-2013
Assets 95,507,000 95,507,000 79,253,000
Debt 106,369,000 106,369,000 90,818,000
Net Assets/Debt -10,862,000 -10,862,000 -11,565,000

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.

As at the balance sheet date short term liquid assets were less than current debt. We would normally view this in the context of other profitability and solvency indicators. Total reserves including retained profitability and movement in reserves has some deficiency. The balance sheet net assets figure is negative.

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.As at the balance sheet date short term liquid assets were less than current debt. We would normally view this in the context of other profitability and solvency indicators. Total reserves including retained profitability and movement in reserves has some deficiency. The balance sheet net assets figure is negative.   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.As at the balance sheet date short term liquid assets were less than current debt. We would normally view this in the context of other profitability and solvency indicators. Total reserves including retained profitability and movement in reserves has some deficiency. The balance sheet net assets figure is negative.

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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PSION HOLDINGS LIMITED
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PILOT PEN COMPANY (U.K.) LIMITED(THE)
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ZEBRA DIAMOND HOLDINGS LIMITED
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Document Filings
Registration of charge 058508690035, created on 2 February 2026
Registered office address changed from Suite 3, 1st Floor Aquasulis House 10 - 14 Bath Road Slough SL1 3SQ United Kingdom to Suite 3, 1st Floor Aquasulis House 10-14 Bath Road Slough SL1 3SA on 17 December 2025
Termination of appointment of Sarah Louise Day as a director on 14 November 2025
Registration of charge 058508690034, created on 5 November 2025
Registration of charge 058508690033, created on 1 August 2025
Confirmation statement made on 19 June 2025 with updates
Director's details changed for Mrs Sarah Louise Day on 1 June 2025
Change of details for Everyday Loans Limited as a person with significant control on 1 June 2025
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
Registration of charge 058508690032, created on 7 May 2025
Registration of charge 058508690031, created on 6 February 2025
Termination of appointment of Christian Cutter as a director on 18 December 2024
Director's details changed for Mr Christian Cutter on 9 March 2023
Registration of charge 058508690030, created on 6 November 2024
Appointment of Mrs Serena Mary Joseph as a director on 2 September 2024
Registration of charge 058508690029, created on 1 August 2024
Director's details changed for Mr David Ronald Gagie on 26 July 2024
Appointment of Mr John Doherty as a secretary on 17 July 2024
Confirmation statement made on 19 June 2024 with no updates
Registration of charge 058508690028, created on 9 May 2024
Termination of appointment of Charlotte Anne Norris as a secretary on 28 March 2024
Registration of charge 058508690027, created on 9 February 2024
Termination of appointment of Jason Bovington as a director on 20 February 2024
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