Company Overview
Black Book Finance Ltd is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Wednesday 13 April 2016, so this is a well established company. Black Book Finance Ltd has been in business for 9 years and 11 months. The accounts status is total exemption full and the accounts are next due on Saturday 28 February 2026.
Registered Address

Black Book Finance 1 Broadfields Parade, Glengall Road, Edgware, Middlesex, HA8 8TD
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Companies House Data
Company NameBLACK BOOK FINANCE LTD
Company Number10121549
Registered Office AddressBlack Book Finance 1 Broadfields Parade
 Glengall Road
 HA8 8TD
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date13/04/2016
Accounting Reference Date Day31
Accounting Reference Date Month5
Accounts Next Due Date28/02/2027
Accounts Last Made Up Date31/05/2025
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date11/05/2017
Previous Company NameChanged Date
TRAFFIC NATIONS LTD28 Jun 2016
Directors & Members
Show Resigned
Michael Clapper - Director
(British, 55 years old, born April 1971)
Appointed 13 April 2016
 Active
Joanne Dempsey - Director
(British, 56 years old, born December 1970)
Appointed 13 April 2016
 Active
Secretaries
No Secretaries Appointed
Other Company Directorships
Michael Clapper
ADDICTION WEB SERVICES LIMITED
AUCTION INTRODUCTIONS LIMITED
BLACK BOOK CAPITAL LTD
BLACK BOOK COMMERCIAL LTD
BRIDGING LOAN CENTRE LTD
BRIDGING SOLUTIONS DIRECT LIMITED
CLAPPER CONSULTING LIMITED
CLAPPER VENTURES LLP
DIYLOANS LIMITED
DIYMONEY LIMITED
DIYMORTGAGES LIMITED
ECITA (EU) LIMITED
EDGE2 LIMITED
ELECTRONIC CIGARETTE DIRECT LIMITED
ENTERPRISE DEBT SOLUTIONS LIMITED
ENTERPRISE HOMELOANS LIMITED
GLOBAL HYGIENE SOLUTIONS LIMITED
GLOBAL HYGIENE SUPPORT LTD
IMHUB LIMITED
INTERNET MARKETING HUB LIMITED
INTROLET LIMITED
LANDLORD SUPPORT SERVICES LTD
MICHAEL CLAPPER HOLDINGS LIMITED
NAKED MORTGAGES LIMITED
PENSION TRANSFER CENTRE LIMITED
SECURED LOAN CENTRE LTD
THE CLAIMS ORGANISATION LIMITED
THE PHYSIO NETWORK LIMITED
THE PHYSIO ORGANISATION LIMITED
THE VAPESTICK GROUP LIMITED
VAPEAWAY LIMITED
VAPESTICK BRANDING LIMITED
VAPESTICK HOLDINGS LIMITED
VAPORSTICK LIMITED
Joanne Dempsey
ADDICTION WEB SERVICES LIMITED
AUCTION INTRODUCTIONS LIMITED
BLACK BOOK CAPITAL LTD
BLACK BOOK COMMERCIAL LTD
BRIDGING LOAN CENTRE LTD
BRIDGING SOLUTIONS DIRECT LIMITED
CLAPPER CONSULTING LIMITED
CLAPPER VENTURES LLP
DRINK SUPPORT LINE LIMITED
DRUGHELPER LIMITED
EDGE2 LIMITED
EDGEV2 LIMITED
ELECTRONIC CIGARETTE DIRECT LIMITED
ENTERPRISE DEBT SOLUTIONS LIMITED
ENTERPRISE GROUP LIMITED
ENTERPRISE HOMELOANS LIMITED
IMHUB LIMITED
INTERNET MARKETING HUB LIMITED
INTROLET LIMITED
MICHAEL CLAPPER HOLDINGS LIMITED
PENSION TRANSFER CENTRE LIMITED
RECOVERY HEALTHCARE LIMITED
REHABHELP LIMITED
SECURED LOAN CENTRE LTD
SELL MY COMMERCIAL PROPERTY LIMITED
THE PHYSIO ORGANISATION LIMITED
THE VAPESTICK GROUP LIMITED
VAPEAWAY LIMITED
VAPESTICK BRANDING LIMITED
VAPESTICK HOLDINGS LIMITED
VAPORSTICK LIMITED
Balance Sheet Unlock full report
Accounts Date 31-May-2025 31-May-2023 31-May-2022
Balance Sheet
Fixed Assets 15,195 15,195 17,160
Current Assets 392,001 392,001 267,990
Creditors Due Within One Year 93,681 93,681 41,726
Working Cap 298,320 298,320 226,264
Total Assets Less Current Liabilities 313,515 313,515 243,424
Long-term Liabilities 67,150 67,150 250,624
Net Assets 246,365 246,365 -7,200
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 246,365 246,365 -7,200
Common Size Financial Analysis Unlock full report
Accounts Date 31-May-2025 31-May-2023 31-May-2022
Tangible Fixed Assets - - -
Fixed Assets 3.7% 3.7% 6.0%
Stocks Inventory - - -
Debtors 56.2% 56.2% 38.1%
Cash Bank In Hand 40.1% 40.1% 55.9%
Current Assets 96.3% 96.3% 94.0%
Creditors Due Within One Year 23.0% 23.0% 14.6%
Net Current Assets Liabilities 73.3% 73.3% 79.3%
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 60.5% 60.5% -2.5%
Capital Employed - - -
Total Assets Less Current Liabilities 77.0% 77.0% 85.4%
Financial Ratio Analysis Unlock full report
Accounts Date 31-May-2025 31-May-2023 31-May-2022
Liquidity Ratio 4.2 4.2 6.4
Solvency Ratio 2.5 2.5 1.0
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-May-2025 31-May-2023 31-May-2022
Assets 407,196 407,196 285,150
Debt 160,831 160,831 292,350
Net Assets/Debt 246,365 246,365 -7,200

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. 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. 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. 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
Other Business around HA8 8TD
No other companies found in the same location
Document Filings
Confirmation statement made on 12 April 2025 with no updates
Confirmation statement made on 12 April 2024 with no updates
Confirmation statement made on 12 April 2023 with no updates
Registered office address changed from 73 Cornhill London EC3V 3QQ United Kingdom to Black Book Finance 1 Broadfields Parade Glengall Road Edgware Middlesex HA8 8TD on 3 May 2022
Confirmation statement made on 12 April 2022 with updates
Confirmation statement made on 12 April 2021 with no updates
Register(s) moved to registered office address 73 Cornhill London EC3V 3QQ
Change of details for Mr Daniel Gerrard as a person with significant control on 10 January 2020
Confirmation statement made on 12 April 2020 with updates
Director's details changed for Miss Joanne Dempsey on 4 March 2020
Resolutions
Change of share class name or designation
Confirmation statement made on 12 April 2019 with updates
Change of details for Mr Michael Antony Clapper as a person with significant control on 2 May 2019
Notification of Daniel Gerrard as a person with significant control on 2 May 2019
Notification of Michael Antony Clapper as a person with significant control on 5 April 2017
Cessation of Clapper Ventures Llp as a person with significant control on 5 April 2017
Change of details for Clapper Ventures Llp as a person with significant control on 2 May 2019
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