Company Overview
Sme Business Finance Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Monday 20 August 2012, so this is a well established company. Sme Business Finance Limited has been in business for 13 years and 7 months. The accounts status is micro entity and the accounts are next due on Tuesday 31 March 2026.
Registered Address

6 Sutton Plaza, Sutton, SM1 4FS
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Companies House Data
Company NameSME BUSINESS FINANCE LIMITED
Company Number08184651
Registered Office Address6 Sutton Plaza
 SM1 4FS
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date20/08/2012
Accounting Reference Date Day30
Accounting Reference Date Month6
Accounts Next Due Date31/03/2026
Accounts Last Made Up Date30/06/2024
Accounts Account CategoryMICRO ENTITY
Returns Next Due Date17/09/2016
Returns Last Made Up Date20/08/2015
Directors & Members
Show Resigned
Craig Allardyce - Director
(British, 51 years old, born June 1975)
Appointed 05 October 2018
 Active
Neil Hutton - Director
(British, 65 years old, born January 1961)
Appointed 20 August 2012
 Active
Secretaries
No Secretaries Appointed
Other Company Directorships
Craig Allardyce
PROLIFIC MANAGEMENT AND CONSULTING LIMITED
SAFFRON ASSET FINANCE LTD
Neil Hutton
AARDVARK FINANCE LTD
BUSYPRO LIMITED
BUZZ ENVIRONMENTAL LIMITED
CLEANTECH CAPITAL LIMITED
COMMERCIAL ASSET FINANCE (U.K.) LIMITED
ETHOS GREEN LIMITED
FIRST ASSET PROTECTION LIMITED
LINEAR BUSINESS FINANCE LIMITED
NET SPOT LIMITED
OVO FINANCE LIMITED
PANACEA CAPITAL GROUP LIMITED
PANACEA LAW LIMITED
PANACEA LAW LTD
PORTFOLIO MANAGERS LIMITED
QMS MEDICAL FINANCE LTD
SAFFRON ASSET FINANCE LTD
SILVERTIME INVESTMENTS LTD
SME EUROFINANCE LIMITED
SME EUROFINANCE NORTH LTD
SME FINANCE LIMITED
SME FINANCE LTD
SME FUNDING OPTIONS LTD
SME INVEST SPV LIMITED
SME SECURITIES LTD
SME SPV LTD
SME VENTURES LIMITED
SOHO MEDIA FINANCE LIMITED
SOHO MEDIA FINANCE LIMITED
STERLING HEALTHCARE FINANCE LTD
SUSTAINABLE GROUND SOLUTIONS LTD
TOP DOG MANAGEMENT LIMITED
WASTE AND RECYCLING MANAGEMENT LTD
WILD ADVENTURES LLP
Balance Sheet Unlock full report
Accounts Date 30-Jun-2024 30-Jun-2022 30-Jun-2021
Balance Sheet
Fixed Assets 286,922 286,922 298,922
Current Assets 947,760 947,760 989,318
Creditors Due Within One Year 124,093 124,093 67,183
Working Cap 823,667 823,667 922,135
Total Assets Less Current Liabilities 1,110,589 1,110,589 1,221,057
Long-term Liabilities 1,046,578 1,046,578 1,055,944
Net Assets 64,011 64,011 165,113
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 64,011 64,011 165,113
Common Size Financial Analysis Unlock full report
Accounts Date 30-Jun-2024 30-Jun-2022 30-Jun-2021
Tangible Fixed Assets - - -
Fixed Assets 23.2% 23.2% 23.2%
Stocks Inventory - - -
Debtors - - -
Cash Bank In Hand - - -
Current Assets 76.8% 76.8% 76.8%
Creditors Due Within One Year 10.1% 10.1% 5.2%
Net Current Assets Liabilities 66.7% 66.7% 71.6%
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 5.2% 5.2% 12.8%
Capital Employed - - -
Total Assets Less Current Liabilities 89.9% 89.9% 94.8%
Financial Ratio Analysis Unlock full report
Accounts Date 30-Jun-2024 30-Jun-2022 30-Jun-2021
Liquidity Ratio 7.6 7.6 14.7
Solvency Ratio 1.1 1.1 1.1
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 1
Mortgages Outstanding 1
Mortgages Part Satisfied 0
Mortgages Satisfied 0
Assets and Debt Analysis Unlock full report
Accounts Date 30-Jun-2024 30-Jun-2022 30-Jun-2021
Assets 1,234,682 1,234,682 1,288,240
Debt 1,170,671 1,170,671 1,123,127
Net Assets/Debt 64,011 64,011 165,113

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 has some deficiency. The balance sheet presents modest net assets. For the size of the company as inferred by the balance sheet the amount of net assets represents a moderate margin of cover over total debts and obligations. The latest accounts are not up-to-date. Later accounts are now overdue. Late filing is not a positive factor. Analysis based on the latest figures available must be taken in the context that the figures are not up-to-date.

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 has some deficiency. The balance sheet presents modest net assets. For the size of the company as inferred by the balance sheet the amount of net assets represents a moderate margin of cover over total debts and obligations. The latest accounts are not up-to-date. Later accounts are now overdue. Late filing is not a positive factor. Analysis based on the latest figures available must be taken in the context that the figures are not up-to-date.   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 has some deficiency. The balance sheet presents modest net assets. For the size of the company as inferred by the balance sheet the amount of net assets represents a moderate margin of cover over total debts and obligations. The latest accounts are not up-to-date. Later accounts are now overdue. Late filing is not a positive factor. Analysis based on the latest figures available must be taken in the context that the figures are not up-to-date.

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 SM1 4FS
No other companies found in the same location
Document Filings
Confirmation statement made on 20 August 2025 with updates
Termination of appointment of Shane Gerard Moloney as a director on 3 October 2024
Confirmation statement made on 20 August 2024 with no updates
Confirmation statement made on 20 August 2023 with updates
Registered office address changed from 4 Mulgrave Chambers 26-28 Mulgrave Road Sutton Surrey SM2 6LE to 6 Sutton Plaza Sutton SM1 4FS on 21 December 2022
Confirmation statement made on 20 August 2022 with updates
Confirmation statement made on 20 August 2021 with updates
Current accounting period extended from 31 December 2020 to 30 June 2021
Confirmation statement made on 20 August 2020 with no updates
Confirmation statement made on 20 August 2019 with updates
Statement of capital following an allotment of shares on 5 July 2019
Notification of Craig Allardyce as a person with significant control on 3 October 2018
Statement of capital following an allotment of shares on 20 November 2018
Termination of appointment of Douglas John Lee as a director on 3 October 2018
Appointment of Mr Craig Allardyce as a director on 5 October 2018
Confirmation statement made on 20 August 2018 with updates
Resolutions
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