Company Overview
Say It Now Ltd is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Monday 01 October 2018, so this is a well established company. Say It Now Ltd has been in business for 7 years and 6 months. The accounts status is total exemption full and the accounts are next due on Wednesday 31 December 2025.
Registered Address

3 Royal Crescent, Cheltenham, Gloucestershire, GL50 3DA
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Companies House Data
Company NameSAY IT NOW LTD
Company Number11596917
Registered Office Address3 Royal Crescent
 GL50 3DA
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date01/10/2018
Accounting Reference Date Day31
Accounting Reference Date Month12
Accounts Next Due Date31/12/2025
Accounts Last Made Up Date31/12/2023
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date29/10/2019
Directors & Members
Show Resigned
Charles Cadbury - Director
(British, 46 years old, born January 1980)
Appointed 01 October 2018
 Active
Alexander Crombie - Director
(British, 52 years old, born July 1974)
Appointed 01 March 2021
 Active
Brian Fitzpatrick - Director
(British, 55 years old, born February 1971)
Appointed 19 May 2021
 Active
Sander Siezen - Director
(Dutch, 52 years old, born January 1974)
Appointed 01 October 2018
 Active
Secretaries
No Secretaries Appointed
Other Company Directorships
Charles Cadbury
CHAMPERS ADVISORY LIMITED
MOMENT PEBBLE LTD
Alexander Crombie
57 CHEPSTOW PLACE (MANAGEMENT) LIMITED
CROMBIE CAPITAL TRANCOSO LIMITED
INTREPID CAPITAL LIMITED
MODE VENTURES LLP
NOMINA NO 137 LLP
RANKEILOUR COMMERCIAL 2 LLP
RANKEILOUR COMMERCIAL 5 LLP
Brian Fitzpatrick
PROJECT PROVENANCE LIMITED
QUERY CLICK LIMITED
Sander Siezen
No companies found
Balance Sheet Unlock full report
Accounts Date 31-Dec-2023 31-Dec-2022 31-Dec-2021
Balance Sheet
Fixed Assets 1,036,234 1,036,234 1,035,366
Current Assets 531,803 531,803 409,512
Creditors Due Within One Year 209,461 209,461 132,850
Working Cap 322,342 322,342 276,662
Total Assets Less Current Liabilities 1,358,576 1,358,576 1,312,028
Long-term Liabilities 1,358,359 1,358,359 1,311,840
Net Assets 217 217 188
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 217 217 188
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2023 31-Dec-2022 31-Dec-2021
Tangible Fixed Assets - - -
Fixed Assets 66.1% 66.1% 71.7%
Stocks Inventory - - -
Debtors 18.9% 18.9% 11.3%
Cash Bank In Hand 15.0% 15.0% 17.1%
Current Assets 33.9% 33.9% 28.3%
Creditors Due Within One Year 13.4% 13.4% 9.2%
Net Current Assets Liabilities 20.6% 20.6% 19.1%
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 0.0% 0.0% 0.0%
Capital Employed - - -
Total Assets Less Current Liabilities 86.6% 86.6% 90.8%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2023 31-Dec-2022 31-Dec-2021
Liquidity Ratio 2.5 2.5 3.1
Solvency Ratio 1.0 1.0 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-Dec-2023 31-Dec-2022 31-Dec-2021
Assets 1,568,037 1,568,037 1,444,878
Debt 1,567,820 1,567,820 1,444,690
Net Assets/Debt 217 217 188

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 displays a very modest amount of net assets. For the size of the company as inferred by the balance sheet the amount of net assets represents a relatively small margin of cover over 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 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 displays a very modest amount of net assets. For the size of the company as inferred by the balance sheet the amount of net assets represents a relatively small margin of cover over 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 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 displays a very modest amount of net assets. For the size of the company as inferred by the balance sheet the amount of net assets represents a relatively small margin of cover over 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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Document Filings
Statement of capital following an allotment of shares on 30 March 2026
Previous accounting period shortened from 31 December 2024 to 30 December 2024
Termination of appointment of Norbert Horvath as a director on 27 October 2025
Confirmation statement made on 30 September 2025 with updates
Statement of capital following an allotment of shares on 30 June 2025
Statement of capital following an allotment of shares on 5 April 2025
Notification of Sander Siezen as a person with significant control on 29 April 2025
Notification of Norbert Horvath as a person with significant control on 29 April 2025
Notification of Charles Robert Henry Cadbury as a person with significant control on 29 April 2025
Withdrawal of a person with significant control statement on 29 April 2025
Statement of capital following an allotment of shares on 5 November 2024
Statement of capital following an allotment of shares on 5 November 2024
Statement of capital following an allotment of shares on 5 November 2024
Confirmation statement made on 30 September 2024 with updates
Statement of capital following an allotment of shares on 23 July 2024
Statement of capital following an allotment of shares on 27 June 2024
Statement of capital following an allotment of shares on 5 April 2024
Statement of capital following an allotment of shares on 5 January 2024
Confirmation statement made on 30 September 2023 with updates
Confirmation statement made on 30 September 2022 with updates
Director's details changed for Mr Brian Fitzpatrick on 30 September 2022
Notification of a person with significant control statement
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