Company Overview
Tandem Motor Finance Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Tuesday 06 April 2010, so this is a well established company. Tandem Motor Finance Limited has been in business for 15 years and 11 months. The accounts status is full and the accounts are next due on Wednesday 30 September 2026.
Registered Address

Viscount Court, Sir Frank Whittle Way, Blackpool, FY4 2FB
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Companies House Data
Company NameTANDEM MOTOR FINANCE LIMITED
Company Number07213812
Registered Office AddressViscount Court
 Sir Frank Whittle Way
 FY4 2FB
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date06/04/2010
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 Date04/05/2017
Returns Last Made Up Date06/04/2016
Previous Company NameChanged Date
OPLO CF LTD02 Nov 2022
1ST STOP CAR FINANCE LTD03 Aug 2020
Directors & Members
Show Resigned
Stephen Beard - Director
(British, 49 years old, born April 1977)
Appointed 26 March 2020
 Active
Neil Chandler - Director
(British, 55 years old, born September 1971)
Appointed 30 June 2025
 Active
Secretaries
Show Resigned
Marriam Malik - Secretary
Appointed 24 March 2025
 Active
Other Company Directorships
Stephen Beard
CLEAR RECOVERIES LIMITED
HECTOR FINANCE LIMITED
TANDEM HOME LOANS LIMITED
TANDEM PERSONAL LOANS LIMITED
Neil Chandler
ALLIUM LENDING GROUP LIMITED
ALLIUM MONEY LIMITED
GDFC ASSETS LIMITED
GDFC HOLDCO LIMITED
GDFC SERVICES PLC
OPLO GROUP LTD
OPLO HOLDINGS LTD
TANDEM BANK LIMITED
TANDEM HOME LOANS LIMITED
TANDEM MONEY LIMITED
TANDEM PERSONAL LOANS LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 31-Mar-2014 31-Mar-2013
Balance Sheet
Fixed Assets 2,062,024 2,062,024 1,897,960
Current Assets 1,635,318 1,635,318 991,195
Creditors Due Within One Year 1,394,659 1,394,659 798,194
Working Cap 240,659 240,659 193,001
Total Assets Less Current Liabilities 2,302,683 2,302,683 2,090,961
Long-term Liabilities 1,848,936 1,848,936 1,818,764
Net Assets 453,747 453,747 272,197
Share Capital & Reserves
Share Cap 100 100 100
Profit & Loss Reserves 453,647 453,647 272,097
Other Reserves 0 0 0
Shareholders Funds 453,747 453,747 272,197
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Mar-2014 31-Mar-2013
Tangible Fixed Assets - - -
Fixed Assets 55.8% 55.8% 65.7%
Stocks Inventory 0.0% 0.0% 0.0%
Debtors 0.0% 0.0% 0.0%
Cash Bank In Hand 6.0% 6.0% 2.3%
Current Assets 44.2% 44.2% 34.3%
Creditors Due Within One Year 37.7% 37.7% 27.6%
Net Current Assets Liabilities 6.5% 6.5% 6.7%
Creditors Due After One Year 50.0% 50.0% 63.0%
Accruals Deferred Income - - -
Provisions For Liabilities Charges - - -
Net Assets Liabilities Including Pension Asset Liability 12.3% 12.3% 9.4%
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 12.3% 12.3% 9.4%
Shareholder Funds 12.3% 12.3% 9.4%
Capital Employed - - -
Total Assets Less Current Liabilities 62.3% 62.3% 72.4%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Mar-2014 31-Mar-2013
Liquidity Ratio 1.2 1.2 1.2
Solvency Ratio 1.1 1.1 1.1
Reserves to Assets 0.1 0.1 0.1
Secured Creditors Unlock full report
Mortgages Charges 16
Mortgages Outstanding 0
Mortgages Part Satisfied 0
Mortgages Satisfied 16
Assets and Debt Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Mar-2014 31-Mar-2013
Assets 3,697,342 3,697,342 2,889,155
Debt 3,243,595 3,243,595 2,616,958
Net Assets/Debt 453,747 453,747 272,197

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 current section of the balance sheet has positive working capital. We would normally consider 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 this level of net assets suggests total debts and obligations were moderately well covered.

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 current section of the balance sheet has positive working capital. We would normally consider 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 this level of net assets suggests total debts and obligations were moderately well covered.   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 current section of the balance sheet has positive working capital. We would normally consider 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 this level of net assets suggests total debts and obligations were moderately well covered.

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 FY4 2FB
No other companies found in the same location
Document Filings
Confirmation statement made on 8 December 2025 with updates
Appointment of Neil Chandler as a director on 30 June 2025
Termination of appointment of Alexander John Mollart as a director on 3 June 2025
Satisfaction of charge 072138120013 in full
Satisfaction of charge 072138120014 in full
Satisfaction of charge 072138120009 in full
Appointment of Marriam Malik as a secretary on 24 March 2025
Termination of appointment of Alexander John Mollart as a secretary on 24 March 2025
Confirmation statement made on 18 December 2024 with no updates
Confirmation statement made on 18 December 2023 with no updates
Confirmation statement made on 17 April 2023 with no updates
Termination of appointment of Richard Mark Sharp as a director on 31 December 2022
Termination of appointment of Susannah Louise Aliker as a director on 8 December 2022
Certificate of change of name
Director's details changed for Mr Stephen John Beard on 19 July 2022
Termination of appointment of Mark Allan Robins as a director on 31 March 2022
Confirmation statement made on 6 April 2022 with updates
Appointment of Susannah Louise Aliker as a director on 24 January 2022
Termination of appointment of Brian Edward Brodie as a director on 24 January 2022
Termination of appointment of Stephen Paul Baker as a director on 24 January 2022
Previous accounting period shortened from 31 March 2022 to 31 December 2021
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