Company Overview
Pay Cloud Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Friday 12 April 2013, so this is a well established company. Pay Cloud Limited has been in business for 12 years and 11 months. The accounts status is total exemption full and the accounts are next due on Tuesday 31 March 2026.
Registered Address

Fourth Floor, Unit 5B The Parklands, Bolton, BL6 4SD
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 NamePAY CLOUD LIMITED
Company Number08485124
Registered Office AddressFourth Floor
 Unit 5b The Parklands
 BL6 4SD
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date12/04/2013
Accounting Reference Date Day30
Accounting Reference Date Month6
Accounts Next Due Date31/03/2026
Accounts Last Made Up Date30/06/2024
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date10/05/2017
Returns Last Made Up Date12/04/2016
Directors & Members
Show Resigned
Ian Johnson - Director
(British, 59 years old, born May 1967)
Appointed 12 April 2013
 Active
Stuart Stead - Director
(British, 53 years old, born June 1973)
Appointed 29 January 2020
 Active
Paul Stringer - Director
(British, 57 years old, born March 1969)
Appointed 12 April 2013
 Active
Secretaries
No Secretaries Appointed
Other Company Directorships
Ian Johnson
ATRIA HOLDINGS LIMITED
BESSEGES (VALVES, TUBES AND FITTINGS) LIMITED
BESSEGES VALVES TUBES & FITTINGS (GROUP) LIMITED
BESSEGES VALVES, TUBES & FITTINGS (HOLDINGS) LIMITED
BOLT BIDCO LIMITED
BOLT INDUSTRIES LIMITED
BOLT INVESTCO LIMITED
BROW PROPERTIES LIMITED
BVTF GROUP LTD
CHW ACCOUNTING LIMITED
COWGILL HOLLOWAY CARE 1 LIMITED
COWGILL HOLLOWAY CORPORATE FINANCE LIMITED
COWGILL HOLLOWAY LIVERPOOL LLP
COWGILL HOLLOWAY LLP
COWGILLS CORPORATE FINANCE LIMITED
COWGILLS DEBT ADVISORY LIMITED
COWGILLS FUNDING LIMITED
COWGILLS HOLDINGS LIMITED
COWGILLS LIMITED
COWGILLS TRANSACTION SERVICES LIMITED
GD CO 109 LIMITED
H & J STANLEY LIMITED
HALLCO 1552 LIMITED
ICJ INVESTMENTS LIMITED
INDUSTRIAL SERVICES UK LIMITED
MY TAX SOLUTIONS LIMITED
PAY CLOUD PLUS LIMITED
REGENCY HOUSE WEALTH MANAGEMENT GROUP LIMITED
STEEL DYNAMICS HOLDINGS LIMITED
SWEET SOFTWARE LIMITED
THE FILM DEVELOPMENT PARTNERSHIP II LLP
TUBE CAPITAL LTD
WAVERTON PROPERTY LLP
Stuart Stead
B.L.G.C. TRADING COMPANY LIMITED
BOLT INDUSTRIES LIMITED
BOLT INVESTCO LIMITED
BOLTON LADS' AND GIRLS' CLUB
BROOKIE ESTATES LIMITED
CNR TECHNOLOGY LIMITED
COWGILLS CORPORATE FINANCE LIMITED
COWGILLS DEBT ADVISORY LIMITED
COWGILLS LIMITED
COWGILLS TRANSACTION SERVICES LIMITED
CUCKOO INVESTMENTS LIMITED
PMJ CAPITAL HOLDINGS LIMITED
PMJ PRIVATE CREDIT NO 1 LIMITED
PMJ VENTURES LIMITED
SNAP GROWTH LIMITED
Paul Stringer
ATRIA HOLDINGS LIMITED
BESSEGES (VALVES, TUBES AND FITTINGS) LIMITED
BESSEGES VALVES TUBES & FITTINGS (GROUP) LIMITED
BESSEGES VALVES, TUBES & FITTINGS (HOLDINGS) LIMITED
BIRDIE INVESTMENTS LIMITED
BOLT INDUSTRIES LIMITED
BOLT INVESTCO LIMITED
BVTF GROUP LTD
CHW ACCOUNTING LIMITED
CNR TECHNOLOGY LIMITED
COWGILL HOLLOWAY CARE 1 LIMITED
COWGILL HOLLOWAY CORPORATE FINANCE LIMITED
COWGILL HOLLOWAY LLP
COWGILLS BUSINESS RECOVERY LIMITED
COWGILLS CORPORATE FINANCE LIMITED
COWGILLS DEBT ADVISORY LIMITED
COWGILLS FUNDING LIMITED
COWGILLS HOLDINGS LIMITED
COWGILLS LIMITED
COWGILLS TRANSACTION SERVICES LIMITED
COWGILLS WEALTH LIMITED
FOUR CANDLES INVESTMENTS LTD
INDUSTRIAL SERVICES UK LIMITED
LAGUNA HOUSE LIMITED
MULTISOLO LIMITED
MY TAX SOLUTIONS LIMITED
MYFDADVISOR LLP
NORTHERN HARDWARE LIMITED
NR BARTON LIMITED
PAY CLOUD PLUS LIMITED
POWELL HARDWARE GROUP LIMITED
POWELL HARDWARE LIMITED
REGENCY HOUSE WEALTH MANAGEMENT GROUP LIMITED
SWEET SOFTWARE LIMITED
Balance Sheet Unlock full report
Accounts Date 30-Jun-2024 31-May-2022 31-May-2021
Balance Sheet
Fixed Assets 0 0 0
Current Assets 166,556 166,556 116,829
Creditors Due Within One Year 119,846 119,846 104,496
Working Cap 46,710 46,710 12,333
Total Assets Less Current Liabilities 46,710 46,710 12,333
Long-term Liabilities 0 0 0
Net Assets 46,710 46,710 12,333
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 46,710 46,710 12,333
Common Size Financial Analysis Unlock full report
Accounts Date 30-Jun-2024 31-May-2022 31-May-2021
Tangible Fixed Assets - - -
Fixed Assets 0.0% 0.0% 0.0%
Stocks Inventory - - -
Debtors 38.8% 38.8% 47.7%
Cash Bank In Hand 61.2% 61.2% 52.3%
Current Assets 100.0% 100.0% 100.0%
Creditors Due Within One Year 72.0% 72.0% 89.4%
Net Current Assets Liabilities 28.0% 28.0% 10.6%
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 28.0% 28.0% 10.6%
Capital Employed - - -
Total Assets Less Current Liabilities 28.0% 28.0% 10.6%
Financial Ratio Analysis Unlock full report
Accounts Date 30-Jun-2024 31-May-2022 31-May-2021
Liquidity Ratio 1.4 1.4 1.1
Solvency Ratio 1.4 1.4 1.1
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 1
Mortgages Outstanding 0
Mortgages Part Satisfied 0
Mortgages Satisfied 1
Assets and Debt Analysis Unlock full report
Accounts Date 30-Jun-2024 31-May-2022 31-May-2021
Assets 166,556 166,556 116,829
Debt 119,846 119,846 104,496
Net Assets/Debt 46,710 46,710 12,333

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. The balance sheet presents modest net assets. 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 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 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. The balance sheet presents modest net assets. 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 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 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. The balance sheet presents modest net assets. 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 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 BL6 4SD
WEEE COLLECT IT LIMITED
AO PARK, 5A THE PARKLANDS, LOSTOCK, BOLTON, BL6 4SD
WEEE RE-USE IT LIMITED
AO PARK, 5A THE PARKLANDS, LOSTOCK, BOLTON, BL6 4SD
AO DEUTSCHLAND LIMITED
UNIT 5A THE PARKLANDS, LOSTOCK, BOLTON, BL6 4SD
J.C. WHITEHEAD LIMITED
Cranfield Road, Lostock Industrial Estate, Lostock, Bolton, Lancashire, BL6 4SD
CRYSTALCRAFT LIMITED
UNIT 5A THE PARKLANDS, LOSTOCK, BOLTON, BL6 4SD
EXPERT LOGISTICS LTD.
UNIT 5A THE PARKLANDS, LOSTOCK, BOLTON, BL6 4SD
WORRY FREE LIMITED
UNIT 5A THE PARKLANDS, LOSTOCK, BOLTON, BL6 4SD
APPLIANCES ONLINE LTD
UNIT 5A THE PARKLANDS, LOSTOCK, BOLTON, BL6 4SD
AO LTD
UNIT 5A THE PARKLANDS, LOSTOCK, BOLTON, BL6 4SD
AO SMILE FOUNDATION
Unit 5a The Parklands, Lostock, Bolton, BL6 4SD
Document Filings
Consolidated accounts of parent company for subsidiary company period ending 30/06/24
Notice of agreement to exemption from audit of accounts for period ending 30/06/24
Audit exemption statement of guarantee by parent company for period ending 30/06/24
Termination of appointment of Paul Stansfield as a director on 31 December 2024
Confirmation statement made on 12 April 2025 with no updates
Confirmation statement made on 12 April 2024 with updates
Notification of Cowgills Limited as a person with significant control on 2 February 2024
Cessation of Cowgill Holloway Llp as a person with significant control on 2 February 2024
Current accounting period extended from 31 May 2024 to 30 June 2024
Memorandum and Articles of Association
Resolutions
Satisfaction of charge 084851240001 in full
Change of details for Cowgill Holloway Llp as a person with significant control on 1 December 2023
Registered office address changed from Regency House 45-51 Chorley New Road Bolton BL1 4QR United Kingdom to Fourth Floor Unit 5B the Parklands Bolton BL6 4SD on 12 December 2023
Director's details changed for Mr Paul Stansfield on 20 November 2023
Confirmation statement made on 12 April 2023 with no updates
Confirmation statement made on 12 April 2022 with no updates
Director's details changed for Mr Ian David Johnson on 19 March 2021
Confirmation statement made on 12 April 2021 with no updates
Confirmation statement made on 12 April 2020 with no updates
Terms and Conditions Cancellations Contact Us

In using this service you agree to the Terms and Conditions

© 2026 Check Free