Company Overview
Utilitysavingexpert.Com Ltd is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Wednesday 25 June 2014, so this is a well established company. Utilitysavingexpert.Com Ltd has been in business for 11 years and 9 months. The accounts status is micro entity and the accounts are next due on Tuesday 31 March 2026.
Registered Address

Harley House, 29 Cambray Place, Cheltenham, Gloucestershire, GL50 1JN
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Companies House Data
Company NameUTILITYSAVINGEXPERT.COM LTD
Company Number09101695
Registered Office AddressHarley House,
 29 Cambray Place
 GL50 1JN
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date25/06/2014
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 Date23/07/2017
Returns Last Made Up Date25/06/2016
Directors & Members
Show Resigned
Graham Pitcher - Director
(British, 73 years old, born June 1953)
Appointed 01 October 2016
 Active
Christopher Richards - Director
(English, 41 years old, born August 1985)
Appointed 25 June 2014
 Active
Secretaries
Christopher Richards - Secretary
Appointed 25 June 2014
 Active
Other Company Directorships
Graham Pitcher
COUNCIL TAX ADVISORS C.I.C.
GLOUCESTER TRADE FRAMES LTD
SWIFTSHIELD LIMITED
THE MONEY PEOPLE
Christopher Richards
LEADSMART SOLUTIONS LTD
Balance Sheet Unlock full report
Accounts Date 30-Jun-2024 30-Jun-2022 30-Jun-2021
Balance Sheet
Fixed Assets 23,666 23,666 15,803
Current Assets 52,513 52,513 9,912
Creditors Due Within One Year 38,177 38,177 47,691
Working Cap 14,336 14,336 -37,779
Total Assets Less Current Liabilities 38,002 38,002 -21,976
Long-term Liabilities 11,771 11,771 11,054
Net Assets 26,231 26,231 -33,030
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 26,231 26,231 -33,030
Common Size Financial Analysis Unlock full report
Accounts Date 30-Jun-2024 30-Jun-2022 30-Jun-2021
Tangible Fixed Assets - - -
Fixed Assets 31.1% 31.1% 61.5%
Stocks Inventory - - -
Debtors - - -
Cash Bank In Hand - - -
Current Assets 68.9% 68.9% 38.5%
Creditors Due Within One Year 50.1% 50.1% 185.5%
Net Current Assets Liabilities 18.8% 18.8% -146.9%
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 34.4% 34.4% -128.4%
Capital Employed - - -
Total Assets Less Current Liabilities 49.9% 49.9% -85.5%
Financial Ratio Analysis Unlock full report
Accounts Date 30-Jun-2024 30-Jun-2022 30-Jun-2021
Liquidity Ratio 1.4 1.4 0.2
Solvency Ratio 1.5 1.5 0.4
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 30-Jun-2024 30-Jun-2022 30-Jun-2021
Assets 76,179 76,179 25,715
Debt 49,948 49,948 58,745
Net Assets/Debt 26,231 26,231 -33,030

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. For the size of the company inferred by the balance sheet the level of net assets suggests a comfortable level of cover for 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 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. For the size of the company inferred by the balance sheet the level of net assets suggests a comfortable level of cover for 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 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. For the size of the company inferred by the balance sheet the level of net assets suggests a comfortable level of cover for 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
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PAYROLL LABORATORIES LIMITED
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Document Filings
Confirmation statement made on 20 August 2025 with no updates
Compulsory strike-off action has been discontinued
Compulsory strike-off action has been suspended
Director's details changed for Mr Graham Charles Pitcher on 24 June 2025
Change of details for Mr Graham Charles Pitcher as a person with significant control on 24 June 2025
Director's details changed for Mr Chris Richards on 24 June 2025
Secretary's details changed for Mr Chris Richards on 24 June 2025
Change of details for Mr Chris Richards as a person with significant control on 1 December 2024
Registered office address changed from , Harley House, 29 Cambray Place, Cheltenham, Gloucestershire, GL50 1JN, England to Hartley House 29 Cambray Place Cheltenham GL50 1JN on 23 June 2025
First Gazette notice for compulsory strike-off
Change of details for Mr Chris Richards as a person with significant control on 20 August 2024
Confirmation statement made on 20 August 2024 with updates
Termination of appointment of Candice Richards as a director on 20 August 2024
Confirmation statement made on 23 March 2024 with updates
Change of details for Mr Chris Richards as a person with significant control on 23 March 2024
Change of details for Mr Graham Pitcher as a person with significant control on 23 March 2024
Confirmation statement made on 28 March 2023 with updates
Confirmation statement made on 28 March 2022 with updates
Confirmation statement made on 28 March 2021 with updates
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