Company Overview
Praetura Asset Finance Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Friday 01 March 2013, so this is a well established company. Praetura Asset Finance Limited has been in business for 13 years and 1 month. The accounts status is full and the accounts are next due on Wednesday 30 September 2026.
Registered Address

Ewood House Walker Road, Guide, Blackburn, BB1 2QE
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Companies House Data
Company NamePRAETURA ASSET FINANCE LIMITED
Company Number08426091
Registered Office AddressEwood House Walker Road
 Guide
 BB1 2QE
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date01/03/2013
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 Date28/07/2017
Returns Last Made Up Date29/06/2016
Directors & Members
Show Resigned
Michael Dalzell - Director
(British, 64 years old, born February 1962)
Appointed 18 October 2016
 Active
Daniel Heald - Director
(British, 50 years old, born February 1976)
Appointed 20 June 2022
 Active
Michael McClelland - Director
(British, 64 years old, born November 1962)
Appointed 20 April 2023
 Active
Peadar O'reilly - Director
(Irish, 50 years old, born November 1976)
Appointed 08 February 2019
 Active
Richard Simmons - Director
(British, 48 years old, born February 1978)
Appointed 15 December 2017
 Active
Jack Summers - Director
(British, 42 years old, born September 1984)
Appointed 27 November 2017
 Active
Secretaries
Show Resigned
Michael Walling - Secretary
Appointed 08 February 2019
 Active
Other Company Directorships
Michael Dalzell
ASAF LENDING LTD
PRAETURA ASSET FINANCE (A) LIMITED
PRAETURA ASSET FINANCE (HOLDINGS) LIMITED
PRAETURA ASSET FINANCE (IFF) LIMITED
PRAETURA ASSET FINANCE (L) LIMITED
PRAETURA ASSET FINANCE (SB) LIMITED
Daniel Heald
No companies found
Michael McClelland
MARSH LANE PLOT OWNERS LLP
PRAETURA SERVICING FINANCE LIMITED
PRAETURA SERVICING LIMITED
Peadar O'reilly
ASAF LENDING LTD
BANKIFI TECHNOLOGY LIMITED
ENSCO 1284 LIMITED
IF TRADE CO LIMITED
IFH CO LIMITED
KINGSWAY ASSET FINANCE LTD
KINGSWAY FINANCE AND LEASING LIMITED
KINGSWAY FINANCE LIMITED
KINGSWAY FINANCIAL GROUP HOLDINGS LIMITED
KINGSWAY LEASING LIMITED
PAF GROUP LIMITED
PAF INVESTORS LLP
PAF LOANCO LIMITED
PCF (Z) LIMITED
PCF LOANCO LIMITED
PRAETURA ASSET FINANCE (A) LIMITED
PRAETURA ASSET FINANCE (IFF) LIMITED
PRAETURA ASSET FINANCE (L) LIMITED
PRAETURA ASSET FINANCE (SB) LIMITED
PRAETURA DEBT LIMITED
PRAETURA DEBT SERVICES HOLDING LTD
PRAETURA DEBT SERVICES LIMITED
PRAETURA EBT LIMITED
PRAETURA FINANCE 1 LIMITED
PRAETURA FINANCE 2 LIMITED
PRAETURA FINANCE 3 LIMITED
PRAETURA FINANCE LIMITED
PRAETURA GROUP LIMITED
PRAETURA INVOICE FINANCE TRADECO LIMITED
PRAETURA VENTURES (11) LLP
QUAY STREET TRADING LIMITED
ZODEQ HOLDINGS LTD
ZODEQ LOANCO LIMITED
ZODEQ LTD
Richard Simmons
No companies found
Jack Summers
ASAF LENDING LTD
KINGSWAY ASSET FINANCE LTD
KINGSWAY FINANCE AND LEASING LIMITED
KINGSWAY FINANCE LIMITED
KINGSWAY FINANCIAL GROUP HOLDINGS LIMITED
KINGSWAY LEASING LIMITED
PAF GROUP LIMITED
PAF SECURITISATION NO.1 PLC
PRAETURA ASSET FINANCE (A) LIMITED
PRAETURA ASSET FINANCE (HOLDINGS) LIMITED
PRAETURA ASSET FINANCE (IFF) LIMITED
PRAETURA ASSET FINANCE (L) LIMITED
PRAETURA ASSET FINANCE (SB) LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2014 31-Dec-2013
Balance Sheet
Fixed Assets 217,791 217,791 67,841
Current Assets 6,546,088 6,546,088 1,305,188
Creditors Due Within One Year 363,176 363,176 247,367
Working Cap 6,182,912 6,182,912 1,057,821
Total Assets Less Current Liabilities 6,400,703 6,400,703 1,125,662
Long-term Liabilities 6,705,743 6,705,743 1,399,637
Net Assets -305,040 -305,040 -273,975
Share Capital & Reserves
Share Cap 3 3 3
Profit & Loss Reserves -305,043 -305,043 -273,978
Other Reserves 0 0 0
Shareholders Funds -305,040 -305,040 -273,975
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2014 31-Dec-2013
Tangible Fixed Assets - - -
Fixed Assets 3.2% 3.2% 4.9%
Stocks Inventory 0.0% 0.0% 0.0%
Debtors 8.3% 8.3% 0.0%
Cash Bank In Hand 3.4% 3.4% 54.9%
Current Assets 96.8% 96.8% 95.1%
Creditors Due Within One Year 5.4% 5.4% 18.0%
Net Current Assets Liabilities 91.4% 91.4% 77.0%
Creditors Due After One Year 99.1% 99.1% 101.9%
Accruals Deferred Income - - -
Provisions For Liabilities Charges - - -
Net Assets Liabilities Including Pension Asset Liability -4.5% -4.5% -20.0%
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 -4.5% -4.5% -20.0%
Shareholder Funds -4.5% -4.5% -20.0%
Capital Employed - - -
Total Assets Less Current Liabilities 94.6% 94.6% 82.0%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2014 31-Dec-2013
Liquidity Ratio 18.0 18.0 5.3
Solvency Ratio 1.0 1.0 0.8
Reserves to Assets 0.0 0.0 -0.2
Secured Creditors Unlock full report
Mortgages Charges 6
Mortgages Outstanding 2
Mortgages Part Satisfied 0
Mortgages Satisfied 4
Assets and Debt Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2014 31-Dec-2013
Assets 6,763,879 6,763,879 1,373,029
Debt 7,068,919 7,068,919 1,647,004
Net Assets/Debt -305,040 -305,040 -273,975

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 net assets figure is negative.

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 net assets figure is negative.   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 net assets figure is negative.

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
Confirmation statement made on 24 January 2026 with no updates
Confirmation statement made on 24 January 2025 with no updates
Satisfaction of charge 084260910001 in full
Satisfaction of charge 084260910002 in full
Satisfaction of charge 084260910003 in full
Confirmation statement made on 24 January 2024 with updates
Termination of appointment of Daryl Lee Johnson as a director on 23 June 2023
Termination of appointment of Michael Christopher Hartley as a director on 9 June 2023
Satisfaction of charge 084260910006 in full
Director's details changed for Mr Michael Philip Mcclellend on 2 May 2023
Appointment of Mr Michael Philip Mcclellend as a director on 20 April 2023
Registration of charge 084260910006, created on 14 April 2023
Confirmation statement made on 25 January 2023 with no updates
Appointment of Mr Daniel Adam Heald as a director on 20 June 2022
Confirmation statement made on 25 January 2022 with no updates
Registration of charge 084260910005, created on 25 October 2021
Confirmation statement made on 25 January 2021 with no updates
Confirmation statement made on 25 January 2020 with no updates
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