Company Overview
Central Trust Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Wednesday 16 September 2009, so this is a well established company. Central Trust Limited has been in business for 16 years and 6 months. The accounts status is full and the accounts are next due on Wednesday 30 September 2026.
Registered Address

25-27 Surrey Street, Norwich, Norfolk, NR1 3NX
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Companies House Data
Company NameCENTRAL TRUST LIMITED
Company Number07020381
Registered Office Address25-27 Surrey Street
 NR1 3NX
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date16/09/2009
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 Date14/10/2016
Returns Last Made Up Date16/09/2015
Previous Company NameChanged Date
CENTRAL LENDING LIMITED01 Sep 2011
Directors & Members
Show Resigned
Graeme Affleck - Director
(British, 41 years old, born May 1985)
Appointed 11 August 2025
 Active
Debbie Burton - Director
(British, 55 years old, born June 1971)
Appointed 05 February 2015
 Active
Paul Hollander - Director
(British, 46 years old, born September 1980)
Appointed 19 January 2017
 Active
Jane McMahon - Director
(British, 72 years old, born October 1954)
Appointed 19 October 2016
 Active
Andrew Turner - Director
(British, 68 years old, born June 1958)
Appointed 17 September 2009
 Active
Secretaries
Show Resigned
Tara Cross - Secretary
Appointed 01 November 2024
 Active
Other Company Directorships
Graeme Affleck
CENTRAL TRUST SYNDICATE NUMBER ONE LIMITED
MERCANTILE TRUST LIMITED
MERCANTILE TRUST SYNDICATE NUMBER ONE LIMITED
Debbie Burton
CENTRAL HOMELOANS FUNDING NUMBER ONE LIMITED
CENTRAL HOMELOANS LIMITED
CENTRAL LENDING FUNDING NUMBER ONE LIMITED
CENTRAL TRUST SYNDICATE NUMBER ONE LIMITED
FINANCE & LEASING ASSOCIATION
LOAN TRUST LIMITED
MERCANTILE TRUST LIMITED
MERCANTILE TRUST SYNDICATE NUMBER ONE LIMITED
Paul Hollander
AUTOMONEY TRUST LIMITED
CENTRAL HOMELOANS FUNDING NUMBER ONE LIMITED
CENTRAL HOMELOANS LIMITED
CENTRAL LENDING FUNDING NUMBER ONE LIMITED
CENTRAL LOANS LIMITED
CENTRAL TRUST SYNDICATE NUMBER ONE LIMITED
COMMERCIAL TRUST LIMITED
CT CAPITAL LIMITED
MERCANTILE TRUST LIMITED
MERCANTILE TRUST SYNDICATE NUMBER ONE LIMITED
MOBILE MONEY FUNDING NUMBER ONE LIMITED
MOBILE MONEY LIMITED
MOTOR TRUST LIMITED
NCG DORMANT CO1 LIMITED
NORFOLK CAPITAL MANAGEMENT SERVICES LIMITED
NORWICH TRUST LIMITED
UK CREDIT LIMITED
Jane McMahon
CENTRAL LOANS LIMITED
CENTRAL TRUST SYNDICATE NUMBER ONE LIMITED
COMMERCIAL TRUST LIMITED
UK CREDIT LIMITED
Andrew Turner
AUTOMONEY TRUST LIMITED
CENTRAL CREDIT LIMITED
CENTRAL HOMELOANS FUNDING NUMBER ONE LIMITED
CENTRAL HOMELOANS LIMITED
CENTRAL IVA PROCESSING LIMITED
CENTRAL LENDING FUNDING NUMBER ONE LIMITED
CENTRAL LOANS LIMITED
CENTRAL TRUST INSURANCE BROKERS LIMITED
CENTRAL TRUST SYNDICATE NUMBER ONE LIMITED
COMMERCIAL TRUST LIMITED
CT CAPITAL LIMITED
DEBT PROBLEMS MANAGED LIMITED
LOAN TRUST LIMITED
MERCANTILE TRUST LIMITED
MERCANTILE TRUST SYNDICATE NUMBER ONE LIMITED
MOBILE MONEY FUNDING NUMBER ONE LIMITED
MOBILE MONEY LIMITED
MOTOR TRUST LIMITED
NCG DORMANT CO1 LIMITED
NORFOLK CAPITAL GROUP LIMITED
NORFOLK CAPITAL MANAGEMENT SERVICES LIMITED
NORWICH CITY FOOTBALL CLUB PLC
NORWICH TRUST LIMITED
SMARTLOAN LIMITED
TURNER CAPITAL LIMITED
TURNKEY MORTGAGES LIMITED
UK CREDIT LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2012 31-Dec-2011
Balance Sheet
Fixed Assets 33,382,000 33,382,000 33,288,000
Current Assets 1,957,000 1,957,000 4,353,000
Creditors Due Within One Year 726,000 726,000 3,335,000
Working Cap 1,231,000 1,231,000 1,018,000
Total Assets Less Current Liabilities 34,613,000 34,613,000 34,306,000
Long-term Liabilities 0 0 0
Net Assets 34,613,000 34,613,000 34,306,000
Share Capital & Reserves
Share Cap 0 0 0
Profit & Loss Reserves 34,613,000 34,613,000 34,306,000
Other Reserves 0 0 0
Shareholders Funds 34,613,000 34,613,000 34,306,000
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2012 31-Dec-2011
Tangible Fixed Assets - - -
Fixed Assets 94.5% 94.5% 88.4%
Stocks Inventory 0.0% 0.0% 0.0%
Debtors 0.4% 0.4% 8.6%
Cash Bank In Hand 5.1% 5.1% 2.9%
Current Assets 5.5% 5.5% 11.6%
Creditors Due Within One Year 2.1% 2.1% 8.9%
Net Current Assets Liabilities 3.5% 3.5% 2.7%
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 97.9% 97.9% 91.1%
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 97.9% 97.9% 91.1%
Shareholder Funds 97.9% 97.9% 91.1%
Capital Employed - - -
Total Assets Less Current Liabilities 97.9% 97.9% 91.1%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2012 31-Dec-2011
Liquidity Ratio 2.7 2.7 1.3
Solvency Ratio 48.7 48.7 11.3
Reserves to Assets 1.0 1.0 0.9
Secured Creditors Unlock full report
Mortgages Charges 8
Mortgages Outstanding 8
Mortgages Part Satisfied 0
Mortgages Satisfied 0
Assets and Debt Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2012 31-Dec-2011
Assets 35,339,000 35,339,000 37,641,000
Debt 726,000 726,000 3,335,000
Net Assets/Debt 34,613,000 34,613,000 34,306,000

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 appeared positive. We would normally view a company positively for this. 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 appeared positive. We would normally view a company positively for this. 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 appeared positive. We would normally view a company positively for this. 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
Director's details changed for Mr Graeme Affleck on 16 February 2026
Confirmation statement made on 16 September 2025 with updates
Appointment of Mr Graeme Affleck as a director on 11 August 2025
Termination of appointment of Carl Daniel Astley as a director on 19 June 2025
Change of details for Norfolk Capital Limited as a person with significant control on 18 February 2025
Registration of charge 070203810008, created on 29 January 2025
Registration of charge 070203810007, created on 29 January 2025
Director's details changed for Ms Jane Elizabeth Mcmahon on 27 November 2024
Appointment of Miss Tara Cross as a secretary on 1 November 2024
Termination of appointment of Anthony Richardson as a secretary on 1 November 2024
Confirmation statement made on 16 September 2024 with no updates
Termination of appointment of Maeve Ward as a director on 2 January 2024
Confirmation statement made on 16 September 2023 with no updates
Confirmation statement made on 16 September 2022 with no updates
Change of details for Norfolk Capital Limited as a person with significant control on 2 December 2019
Change of details for Norfolk Capital Limited as a person with significant control on 2 December 2019
Appointment of Mr Carl Daniel Astley as a director on 27 September 2021
Confirmation statement made on 16 September 2021 with no updates
Termination of appointment of Warren Anthony Travis as a director on 31 July 2021
Director's details changed for Ms Jane Elizabeth Mcmahon on 19 July 2021
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