Company Overview
Md Affinity Schemes Ltd is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Friday 14 September 2012, so this is a well established company. Md Affinity Schemes Ltd has been in business for 13 years and 6 months. The accounts status is small and the accounts are next due on Wednesday 30 September 2026.
Registered Address

2 Shore Lines Building, Shore Road, Birkenhead, Merseyside, CH41 1AU
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Companies House Data
Company NameMD AFFINITY SCHEMES LTD
Company Number08214231
Registered Office Address2 Shore Lines Building
 Shore Road
 CH41 1AU
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date14/09/2012
Accounting Reference Date Day31
Accounting Reference Date Month12
Accounts Next Due Date30/09/2026
Accounts Last Made Up Date31/12/2024
Accounts Account CategorySMALL
Returns Next Due Date12/10/2016
Returns Last Made Up Date14/09/2015
Directors & Members
Show Resigned
Christine Stephenson - Director
(British, 43 years old, born April 1983)
Appointed 24 May 2024
 Active
David Swigciski - Director
(British, 54 years old, born May 1972)
Appointed 24 July 2024
 Active
Secretaries
Show Resigned
Other Company Directorships
Christine Stephenson
HSB ENGINEERING INSURANCE SERVICES LIMITED
MD INSURANCE SERVICES LIMITED
MD WARRANTY INSPECTION SERVICES LIMITED
MDIS (INTERNATIONAL) LIMITED
THE PREMIER GUARANTEE LIMITED
David Swigciski
ARAG LEGAL EXPENSES INSURANCE COMPANY LIMITED
ARAG SERVICES LIMITED
ARAG UK HOLDINGS LIMITED
EVERYTHING LEGAL LIMITED
MD INSURANCE SERVICES LIMITED
MD REMEDIAL CONTRACTORS LIMITED
MD TECHNICAL SURVEYORS LIMITED
MD WARRANTY INSPECTION SERVICES LIMITED
MDIS (INTERNATIONAL) LIMITED
POLARIS U.K. LIMITED
THE PREMIER GUARANTEE LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2021 31-Dec-2020
Balance Sheet
Fixed Assets 23 23 47
Current Assets 1,445,162 1,445,162 1,929,491
Creditors Due Within One Year 1,127,585 1,127,585 1,572,203
Working Cap 317,577 317,577 357,288
Total Assets Less Current Liabilities 317,600 317,600 357,335
Long-term Liabilities 0 0 0
Net Assets 317,600 317,600 357,335
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 317,600 317,600 357,335
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2021 31-Dec-2020
Tangible Fixed Assets - - -
Fixed Assets 0.0% 0.0% 0.0%
Stocks Inventory - - -
Debtors 68.1% 68.1% 79.1%
Cash Bank In Hand 31.9% 31.9% 20.9%
Current Assets 100.0% 100.0% 100.0%
Creditors Due Within One Year 78.0% 78.0% 81.5%
Net Current Assets Liabilities 22.0% 22.0% 18.5%
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 22.0% 22.0% 18.5%
Capital Employed - - -
Total Assets Less Current Liabilities 22.0% 22.0% 18.5%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2021 31-Dec-2020
Liquidity Ratio 1.3 1.3 1.2
Solvency Ratio 1.3 1.3 1.2
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 0
Mortgages Outstanding 0
Mortgages Part Satisfied 0
Mortgages Satisfied 0
Assets and Debt Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2021 31-Dec-2020
Assets 1,445,185 1,445,185 1,929,538
Debt 1,127,585 1,127,585 1,572,203
Net Assets/Debt 317,600 317,600 357,335

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 has some deficiency. The amount of net assets suggests sufficient cover for total debts and obligations for the size of the company inferred by the balance sheet.

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 has some deficiency. The amount of net assets suggests sufficient cover for total debts and obligations for the size of the company inferred by the balance sheet.   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 has some deficiency. The amount of net assets suggests sufficient cover for total debts and obligations for the size of the company inferred by the balance sheet.

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 CH41 1AU
MICRO-EPSILON UK LIMITED
C/O DSG CHARTERED ACCOUNTANTS CASTLE CHAMBERS, 43 CASTLE STREET, LIVERPOOL, MERSEYSIDE, CH41 1AU
MD WARRANTY SUPPORT SERVICES LIMITED
2 SHORE LINES BUILDING, SHORE ROAD BIRKENHEAD, WIRRAL, CH41 1AU
MD INSURANCE SERVICES LIMITED
2 SHORE LINES BUILDING, SHORE ROAD, BIRKENHEAD, WIRRAL, CH41 1AU
MD PROFESSIONAL & SUPPORT SERVICES LIMITED
2 Shore Lines Building, Shore Road, Birkenhead, Merseyside, CH41 1AU
THE PREMIER GUARANTEE LIMITED
2 SHORE LINES BUILDING, SHORE ROAD, BIRKENHEAD, MERSEYSIDE, CH41 1AU
LABC NEW HOMES WARRANTY SURVEYORS LIMITED
2 Shore Lines Building, Shore Road, Birkenhead, Wirral, CH41 1AU
PREMIER GUARANTEE SURVEYORS LIMITED
2 Shore Lines Building, Shore Road, Birkenhead, Wirral, CH41 1AU
MD INSPECTION SERVICES LIMITED
2 Shore Lines Building, Shore Road, Birkenhead, Wirral, CH41 1AU
MDIS (INTERNATIONAL) LIMITED
2 SHORE LINES BUILDING, SHORE ROAD, BIRKENHEAD, MERSEYSIDE, CH41 1AU
MD WARRANTY INSPECTION SERVICES LIMITED
2 SHORE LINES BUILDING, SHORE ROAD BIRKENHEAD, WIRRAL, CH41 1AU
Document Filings
Confirmation statement made on 9 May 2025 with updates
Termination of appointment of Stephen David Worrall as a director on 9 August 2024
Termination of appointment of Anya Marjorie O'reilly as a director on 9 August 2024
Appointment of Mr David Philip Swigciski as a director on 24 July 2024
Appointment of Mrs Christine Stephenson as a director on 24 May 2024
Confirmation statement made on 9 May 2024 with no updates
Termination of appointment of Jacqueline Ann Goodman as a director on 1 December 2023
Termination of appointment of Jacqueline Goodman as a secretary on 1 December 2023
Confirmation statement made on 16 August 2023 with no updates
Change of details for Hsb Engineering Insurance Limited as a person with significant control on 4 May 2023
Cessation of Bernadette Mary Devaney as a person with significant control on 1 April 2022
Confirmation statement made on 16 August 2022 with updates
Resolutions
Memorandum and Articles of Association
Notification of Hsb Engineering Insurance Limited as a person with significant control on 1 April 2022
Appointment of Jacqueline Ann Goodman as a director on 1 April 2022
Appointment of Mrs Anya Marjorie O'reilly as a director on 1 April 2022
Appointment of Stephen David Worrall as a director on 1 April 2022
Cessation of Gary James Devaney as a person with significant control on 1 April 2022
Termination of appointment of Gary James Devaney as a director on 1 April 2022
Confirmation statement made on 14 September 2021 with no updates
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