Company Overview
Paragon Commercial Finance Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Wednesday 07 October 2009, so this is a well established company. Paragon Commercial Finance Limited has been in business for 16 years and 5 months. The accounts status is full and the accounts are next due on Tuesday 30 June 2026.
Registered Address

51 Homer Road, Solihull, B91 3QJ
Credit Reports Available

These credit rating reports are available now:


Credit Analysts Report
Get Report >>

Standard Credit Report
Get Report >>

Basic Credit Report
Get Report >>

24/7 credit rating data feed - no UK company credit reports are updated faster

Companies House Data
Company NamePARAGON COMMERCIAL FINANCE LIMITED
Company Number07036669
Registered Office Address51 Homer Road
 B91 3QJ
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date07/10/2009
Accounting Reference Date Day30
Accounting Reference Date Month9
Accounts Next Due Date30/06/2027
Accounts Last Made Up Date30/09/2025
Accounts Account CategoryFULL
Returns Next Due Date04/11/2016
Returns Last Made Up Date07/10/2015
Previous Company NameChanged Date
DASH COMMERCIAL FINANCE LIMITED06 Oct 2017
AGHOCO 1003 LIMITED05 Nov 2009
Directors & Members
Show Resigned
Keith Allen - Director
(British, 54 years old, born July 1972)
Appointed 28 April 2017
 Active
John Phillipou - Director
(British, 54 years old, born May 1972)
Appointed 01 November 2022
 Active
Secretaries
Show Resigned
Other Company Directorships
Keith Allen
CITY BUSINESS FINANCE LIMITED
COLLETT TRANSPORT SERVICES LIMITED
COLONIAL FINANCE (UK) LIMITED
EARLSWOOD FINANCE (NO. 3) LIMITED
EARLSWOOD FINANCE LIMITED
FINELINE HOLDINGS LIMITED
FINELINE MEDIA FINANCE LIMITED
HERBERT (2) PLC
HERBERT (4) PLC
HERBERT (5) PLC
HERBERT (9) PLC
HOMER MANAGEMENT LIMITED
IDEM CAPITAL HOLDINGS LIMITED
LEASE PORTFOLIO MANAGEMENT LIMITED
MOORGATE LOAN SERVICING LIMITED
MORTGAGE TRUST SERVICES PLC
PARAGON ASSET FINANCE LIMITED
PARAGON BUSINESS FINANCE PLC
PARAGON CAR FINANCE LIMITED
PARAGON DEVELOPMENT FINANCE LIMITED
PARAGON MORTGAGES (NO. 17) PLC
PARAGON MORTGAGES (NO.7) PLC
PARAGON OPTIONS PLC
PARAGON PENSION INVESTMENTS GP LIMITED
PARAGON PERSONAL FINANCE LIMITED
PARAGON TECHNOLOGY FINANCE LIMITED
PBAF ACQUISITIONS LIMITED
PREMIER ASSET FINANCE LIMITED
SPECIALIST FLEET SERVICES LIMITED
STATE SECURITIES HOLDINGS LIMITED
STATE SECURITY LIMITED
UNIVERSAL CREDIT LIMITED
YORKSHIRE FREEHOLDS LIMITED
YORKSHIRE LEASEHOLDS LIMITED
John Phillipou
ASSET FINANCE EXCHANGE LIMITED
CITY BUSINESS FINANCE LIMITED
COLLETT TRANSPORT SERVICES LIMITED
DEUTSCHE LEASING (ASIA PACIFIC) LTD
DEUTSCHE LEASING (UK) LIMITED
FINANCE & LEASING ASSOCIATION
FINELINE HOLDINGS LIMITED
FINELINE MEDIA FINANCE LIMITED
HOMER MANAGEMENT LIMITED
INNOVATIVE FINANCIAL SERVICES LTD.
LEASE PORTFOLIO MANAGEMENT LIMITED
PARAGON ASSET FINANCE LIMITED
PARAGON BUSINESS FINANCE PLC
PARAGON DEVELOPMENT FINANCE LIMITED
PARAGON TECHNOLOGY FINANCE LIMITED
PBAF (NO. 1) LIMITED
PBAF ACQUISITIONS LIMITED
PEAC (UK) LIMITED
PREMIER ASSET FINANCE LIMITED
SPECIALIST FLEET SERVICES LIMITED
STATE SECURITIES HOLDINGS LIMITED
STATE SECURITY LIMITED
THE LEASING INDUSTRY PHILANTHROPIC AND RESEARCH FOUNDATION LIMITED
Balance Sheet Unlock full report
Accounts Date 30-Sep-2025 31-Dec-2013 31-Dec-2012
Balance Sheet
Fixed Assets 102,085 102,085 640
Current Assets 359,909 359,909 452,526
Creditors Due Within One Year 150,415 150,415 219,868
Working Cap 209,494 209,494 232,658
Total Assets Less Current Liabilities 311,579 311,579 233,298
Long-term Liabilities 42,634 42,634 208
Net Assets 268,945 268,945 233,090
Share Capital & Reserves
Share Cap 131 131 131
Profit & Loss Reserves 268,747 268,747 232,892
Other Reserves 67 67 67
Shareholders Funds 268,945 268,945 233,090
Common Size Financial Analysis Unlock full report
Accounts Date 30-Sep-2025 31-Dec-2013 31-Dec-2012
Tangible Fixed Assets - - -
Fixed Assets 22.1% 22.1% 0.1%
Stocks Inventory 0.0% 0.0% 0.0%
Debtors 32.7% 32.7% 21.5%
Cash Bank In Hand 45.2% 45.2% 78.4%
Current Assets 77.9% 77.9% 99.9%
Creditors Due Within One Year 32.6% 32.6% 48.5%
Net Current Assets Liabilities 45.3% 45.3% 51.3%
Creditors Due After One Year 9.2% 9.2% 0.0%
Accruals Deferred Income - - -
Provisions For Liabilities Charges - - -
Net Assets Liabilities Including Pension Asset Liability 58.2% 58.2% 51.4%
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 58.2% 58.2% 51.4%
Shareholder Funds 58.2% 58.2% 51.4%
Capital Employed - - -
Total Assets Less Current Liabilities 67.4% 67.4% 51.5%
Financial Ratio Analysis Unlock full report
Accounts Date 30-Sep-2025 31-Dec-2013 31-Dec-2012
Liquidity Ratio 2.4 2.4 2.1
Solvency Ratio 2.4 2.4 2.1
Reserves to Assets 0.6 0.6 0.5
Secured Creditors Unlock full report
Mortgages Charges 4
Mortgages Outstanding 1
Mortgages Part Satisfied 0
Mortgages Satisfied 3
Assets and Debt Analysis Unlock full report
Accounts Date 30-Sep-2025 31-Dec-2013 31-Dec-2012
Assets 461,994 461,994 453,166
Debt 193,049 193,049 220,076
Net Assets/Debt 268,945 268,945 233,090

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. 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. 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. 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
Other Business around B91 3QJ
PARAGON MORTGAGES (NO.18) HOLDINGS LIMITED
51 Homer Road, Solihull, West Midlands, B91 3QJ
EPSOM TRUSTEES LIMITED
51 Homer Road, Solihull, West Midlands, B91 3QJ
COLLATERALISED MORTGAGE SECURITES (NO 12) PLC
1 Bridgewater Place, Water Lane, Leeds, West Yorkshire, B91 3QJ
PARAGON DEVELOPMENT FINANCE LIMITED
51 HOMER ROAD, SOLIHULL, B91 3QJ
PARAGON SIXTH FUNDING LIMITED
51 HOMER ROAD, SOLIHULL, WEST MIDLANDS, B91 3QJ
PARAGON MORTGAGES (NO.19) PLC
40a Station Road, Upminster, Essex, B91 3QJ
FIRST RESOLUTION LIMITED
51 Homer Road, Solihull, West Midlands, B91 3QJ
LEASE PORTFOLIO MANAGEMENT LIMITED
51 HOMER ROAD, SOLIHULL, B91 3QJ
PARAGON MORTGAGES (NO.18) PLC
40a Station Road, Upminster, Essex, B91 3QJ
PARAGON MORTGAGES (NO.25) HOLDINGS LIMITED
51 HOMER ROAD, SOLIHULL, WEST MIDLANDS, B91 3QJ
Document Filings
Resolutions
Memorandum and Articles of Association
Confirmation statement made on 15 April 2025 with no updates
Confirmation statement made on 15 April 2024 with no updates
Confirmation statement made on 15 April 2023 with no updates
Appointment of Mr John Edward Phillipou as a director on 1 November 2022
Termination of appointment of John Frederick Taplin as a director on 1 November 2022
Termination of appointment of Kenneth Stuart Mckeating as a director on 1 November 2022
Confirmation statement made on 15 April 2022 with no updates
Confirmation statement made on 15 April 2021 with updates
Confirmation statement made on 7 October 2020 with no updates
Termination of appointment of Pandora Sharp as a secretary on 1 June 2020
Appointment of Miss Pandora Sharp as a secretary on 31 October 2019
Termination of appointment of Andrew Lacey as a secretary on 31 October 2019
Confirmation statement made on 7 October 2019 with no updates
Termination of appointment of Gary Andrew Leitch as a director on 4 October 2019
Termination of appointment of Richard John Doe as a director on 30 September 2019
Terms and Conditions Cancellations Contact Us

In using this service you agree to the Terms and Conditions

© 2026 Check Free