Company Overview
Gelco Financial Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Thursday 13 July 2017, so this is a well established company. Gelco Financial 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

1 Aalborg Place, Lancaster, LA1 1BJ
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Companies House Data
Company NameGELCO FINANCIAL LIMITED
Company Number10865570
Registered Office Address1 Aalborg Place
 LA1 1BJ
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date13/07/2017
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 Date10/08/2018
Directors & Members
Gary Lane - Director
(British, 57 years old, born May 1969)
Appointed 13 July 2017
 Active
Secretaries
No Secretaries Appointed
Other Company Directorships
Gary Lane
3 & 4 LAKE VIEW VILLAS LIMITED
DAVID KNEALE FINANCIAL MANAGEMENT LTD.
INZA LIMITED
PEONY LANE LTD
STEVIE CARROLL LIMITED
VATINZA LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Balance Sheet
Fixed Assets 994,869 994,869 994,869
Current Assets 322,570 322,570 115,787
Creditors Due Within One Year 64,167 64,167 89,233
Working Cap 258,403 258,403 26,554
Total Assets Less Current Liabilities 1,253,272 1,253,272 1,021,423
Long-term Liabilities 264,335 264,335 328,446
Net Assets 988,937 988,937 692,977
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 988,937 988,937 692,977
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Tangible Fixed Assets - - -
Fixed Assets 75.5% 75.5% 89.6%
Stocks Inventory - - -
Debtors 23.8% 23.8% 9.9%
Cash Bank In Hand 0.6% 0.6% 0.5%
Current Assets 24.5% 24.5% 10.4%
Creditors Due Within One Year 4.9% 4.9% 8.0%
Net Current Assets Liabilities 19.6% 19.6% 2.4%
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 75.1% 75.1% 62.4%
Capital Employed - - -
Total Assets Less Current Liabilities 95.1% 95.1% 92.0%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Liquidity Ratio 5.0 5.0 1.3
Solvency Ratio 4.0 4.0 2.7
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 1,317,439 1,317,439 1,110,656
Debt 328,502 328,502 417,679
Net Assets/Debt 988,937 988,937 692,977

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 LA1 1BJ
BLACKHURST SWAINSON GOODIER LLP
3&4 AALBORG SQUARE, LANCASTER, LA1 1BJ
Document Filings
Confirmation statement made on 11 July 2025 with updates
Confirmation statement made on 11 July 2024 with updates
Confirmation statement made on 11 July 2023 with updates
Director's details changed for Mr Gary Edward Lane on 16 May 2023
Change of details for Mr Gary Edward Lane as a person with significant control on 16 May 2023
Confirmation statement made on 11 July 2022 with updates
Change of details for Mr Gary Edward Lane as a person with significant control on 1 March 2022
Director's details changed for Mr Gary Edward Lane on 1 March 2022
Change of details for Mr Gary Edward Lane as a person with significant control on 23 December 2021
Director's details changed for Mr Gary Edward Lane on 23 December 2021
Registered office address changed from 78 Church Street Lancaster Lancashire LA1 1ET United Kingdom to 1 Aalborg Place Lancaster LA1 1BJ on 25 February 2022
Confirmation statement made on 11 July 2021 with updates
Change of details for Mr Gary Edward Lane as a person with significant control on 15 January 2021
Confirmation statement made on 11 July 2020 with no updates
Confirmation statement made on 11 July 2019 with no updates
Confirmation statement made on 12 July 2018 with updates
Current accounting period extended from 31 July 2018 to 31 December 2018
Statement of capital following an allotment of shares on 31 January 2018
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