Company Overview
Specialist Asset Finance Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Wednesday 05 July 2017, so this is a well established company. Specialist Asset Finance Limited has been in business for 8 years and 8 months. The accounts status is total exemption full and the accounts are next due on Wednesday 30 September 2026.
Registered Address

Ground Floor, Mill Studios Fry's Yard, Bridge Street, Godalming, GU7 1HP
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Companies House Data
Company NameSPECIALIST ASSET FINANCE LIMITED
Company Number10851095
Registered Office AddressGround Floor, Mill Studios Fry's Yard
 Bridge Street
 GU7 1HP
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date05/07/2017
Accounting Reference Date Day31
Accounting Reference Date Month12
Accounts Next Due Date30/09/2026
Accounts Last Made Up Date31/12/2024
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date02/08/2018
Directors & Members
Show Resigned
Kevin Green - Director
(British, 60 years old, born June 1966)
Appointed 05 July 2017
 Active
Shane Thomas - Director
(British, 57 years old, born March 1969)
Appointed 16 October 2017
 Active
Secretaries
No Secretaries Appointed
Other Company Directorships
Kevin Green
APPROVED ACOUSTIC APPLICATIONS LIMITED
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LANSDOWN OWNERS ASSOCIATION LIMITED
PULTENEY HOLDINGS LIMITED
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SAF CONSTRUCTION ASSET FINANCE LTD
SAF CONSUMER FINANCE LTD
SAF GROUP LTD
SAF LENDING LIMITED
SAF STOCKING FINANCE LTD
SEG RESEARCH LIMITED
WROGEL MANAGEMENT LIMITED
Shane Thomas
LONDON RAIL LEASING LIMITED
SAF CONSUMER FINANCE LTD
SAF GROUP LTD
SAF LENDING LIMITED
SAF STOCKING FINANCE LTD
Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Balance Sheet
Fixed Assets 7,917 7,917 12,917
Current Assets 126,765 126,765 148,572
Creditors Due Within One Year 83,096 83,096 102,814
Working Cap 43,669 43,669 45,758
Total Assets Less Current Liabilities 51,586 51,586 58,675
Long-term Liabilities 26,782 26,782 36,700
Net Assets 24,804 24,804 21,975
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 24,804 24,804 21,975
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Tangible Fixed Assets - - -
Fixed Assets 5.9% 5.9% 8.0%
Stocks Inventory - - -
Debtors 24.1% 24.1% 18.8%
Cash Bank In Hand 70.1% 70.1% 73.2%
Current Assets 94.1% 94.1% 92.0%
Creditors Due Within One Year 61.7% 61.7% 63.7%
Net Current Assets Liabilities 32.4% 32.4% 28.3%
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 18.4% 18.4% 13.6%
Capital Employed - - -
Total Assets Less Current Liabilities 38.3% 38.3% 36.3%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Liquidity Ratio 1.5 1.5 1.4
Solvency Ratio 1.2 1.2 1.2
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-Dec-2024 31-Dec-2022 31-Dec-2021
Assets 134,682 134,682 161,489
Debt 109,878 109,878 139,514
Net Assets/Debt 24,804 24,804 21,975

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 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.

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. 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 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. The amount of net assets suggests sufficient cover for total debts and obligations for the size of the company inferred by the balance sheet.

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 7 November 2025 with no updates
Confirmation statement made on 7 November 2024 with no updates
Confirmation statement made on 7 November 2023 with updates
Notification of Saf Group Limited as a person with significant control on 8 June 2021
Cessation of Shane Wayne Thomas as a person with significant control on 8 June 2021
Confirmation statement made on 7 November 2022 with no updates
Previous accounting period shortened from 31 July 2022 to 31 December 2021
Confirmation statement made on 7 November 2021 with no updates
Confirmation statement made on 7 November 2020 with updates
Statement of capital following an allotment of shares on 1 October 2020
Statement of capital following an allotment of shares on 10 January 2020
Confirmation statement made on 7 November 2019 with updates
Confirmation statement made on 7 November 2018 with updates
Purchase of own shares.
Change of details for Mr Shane Wayne Thomas as a person with significant control on 26 July 2018
Cessation of James Higginbotham as a person with significant control on 20 July 2018
Termination of appointment of James Higginbotham as a director on 20 July 2018
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