Company Overview
Association For Character Education Limited is listed at the official companies registry as Active Private Limited By Guarantee Without Share Capital. The company was incorporated on Saturday 30 January 2016, so this is a well established company. Association For Character Education Limited has been in business for 10 years and 2 months. The accounts status is total exemption full and the accounts are next due on Saturday 31 October 2026.
Registered Address

76 Tamworth Road, Sutton Coldfield, Birmingham, West Midlands, B75 6DH
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Companies House Data
Company NameASSOCIATION FOR CHARACTER EDUCATION LIMITED
Company Number09978106
Registered Office Address76 Tamworth Road
 Sutton Coldfield
 B75 6DH
Company CategoryPrivate Limited By Guarantee Without Share Capital
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date30/01/2016
Accounting Reference Date Day31
Accounting Reference Date Month1
Accounts Next Due Date31/10/2026
Accounts Last Made Up Date31/01/2025
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date27/02/2017
Previous Company NameChanged Date
CHARACTER EDUCATION LIMITED24 Apr 2018
Directors & Members
Show Resigned
James Arthur - Director
(British, 69 years old, born December 1957)
Appointed 30 January 2016
 Active
Chris Clyne - Director
(Scottish, 46 years old, born July 1980)
Appointed 22 July 2025
 Active
Thomas Harrison - Director
(British, 50 years old, born March 1976)
Appointed 30 January 2016
 Active
Gary Lewis - Director
(British, 69 years old, born October 1957)
Appointed 30 January 2016
 Active
Ruth McCarthy - Director
(British, 54 years old, born May 1972)
Appointed 01 September 2022
 Active
Gail Peyton - Director
(British, 61 years old, born December 1965)
Appointed 01 November 2024
 Active
Honor Wilson-Fletcher - Director
(British, 61 years old, born January 1965)
Appointed 01 January 2023
 Active
Daniel Wright - Director
(British, 53 years old, born October 1973)
Appointed 01 September 2019
 Active
Secretaries
Show Resigned
Michael Fullard - Secretary
Appointed 01 February 2023
 Active
Other Company Directorships
James Arthur
ACADEMY OF THE ANNUNCIATION
CHARACTER EDUCATION SCOTLAND LIMITED
ENVIRONMENTAL VISION
FLOREAT EDUCATION
FLOREAT EDUCATION ACADEMIES TRUST
THE UNIVERSITY OF BIRMINGHAM SCHOOL
Chris Clyne
No companies found
Thomas Harrison
VOLUNTEERS FOR EDUCATIONAL SUPPORT AND LEARNING (VESL)
Gary Lewis
KINGS LANGLEY SCHOOL
ST COLUMBA'S COLLEGE AND PREPARATORY SCHOOL
Ruth McCarthy
No companies found
Gail Peyton
FORWARD EDUCATION TRUST
Honor Wilson-Fletcher
No companies found
Daniel Wright
FRIENDS OF THE LONDON ORATORY SCHOOL
THE LONDON ORATORY SCHOOL
THE LONDON ORATORY SCHOOL FOUNDATION
Balance Sheet Unlock full report
Accounts Date 31-Jan-2025 31-Jan-2018 31-Jan-2017
Balance Sheet
Fixed Assets 0 0 -
Current Assets 18,382 18,382 -
Creditors Due Within One Year 1,898 1,898 1,088
Working Cap 16,484 16,484 -
Total Assets Less Current Liabilities 16,484 16,484 6,274
Long-term Liabilities 0 0 0
Net Assets 16,484 16,484 6,274
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 16,484 16,484 6,274
Common Size Financial Analysis Unlock full report
Accounts Date 31-Jan-2025 31-Jan-2018 31-Jan-2017
Tangible Fixed Assets - - -
Fixed Assets 0.0% 0.0% -
Stocks Inventory - - -
Debtors 37.3% 37.3% 23.4%
Cash Bank In Hand 62.7% 62.7% 76.6%
Current Assets 100.0% 100.0% -
Creditors Due Within One Year 10.3% 10.3% 14.8%
Net Current Assets Liabilities 89.7% 89.7% -
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 89.7% 89.7% 85.2%
Capital Employed - - -
Total Assets Less Current Liabilities 89.7% 89.7% 85.2%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Jan-2025 31-Jan-2018 31-Jan-2017
Liquidity Ratio 9.7 9.7 -1.0
Solvency Ratio 9.7 9.7 6.8
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-Jan-2025 31-Jan-2018 31-Jan-2017
Assets 18,382 18,382 7,362
Debt 1,898 1,898 1,088
Net Assets/Debt 16,484 16,484 6,274

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 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.

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 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 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 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.

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 29 January 2026 with no updates
Termination of appointment of Linda Mary Sanders as a director on 10 February 2026
Appointment of Ms Gail Jennifer Peyton as a director on 1 November 2024
Director's details changed for Mr Gary Michael Lewis on 1 March 2025
Appointment of Mr Chris Clyne as a director on 22 July 2025
Registered office address changed from 175 Holly Lane Erdington Birmingham B24 9LA England to 76 Tamworth Road Sutton Coldfield Birmingham West Midlands B75 6DH on 22 July 2025
Termination of appointment of Geoffrey William Frederick Smith as a director on 19 March 2025
Confirmation statement made on 29 January 2025 with no updates
Confirmation statement made on 29 January 2024 with no updates
Termination of appointment of Kay Livingston as a director on 15 March 2023
Appointment of Ms Honor Wilson-Fletcher as a director on 1 January 2023
Appointment of Ms Ruth Mccarthy as a director on 1 September 2022
Termination of appointment of Val Corry as a director on 14 March 2023
Confirmation statement made on 29 January 2023 with no updates
Appointment of Mr Michael Fullard as a secretary on 1 February 2023
Termination of appointment of Thomas Harrison as a secretary on 31 January 2023
Confirmation statement made on 29 January 2022 with no updates
Appointment of Mr Daniel Francis Wright as a director on 1 September 2019
Appointment of Dr Val Corry as a director on 1 November 2019
Appointment of Professor Kay Livingston as a director on 1 November 2019
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