Company Overview
Brighter Lending Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Friday 07 June 2019. Brighter Lending Limited has been in business for 6 years and 9 months. The accounts status is micro entity and the accounts are next due on Friday 31 July 2026.
Registered Address

C/O Ashurst Accountancy 17 Duke Street, Formby, Liverpool, L37 4AN
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Companies House Data
Company NameBRIGHTER LENDING LIMITED
Company Number12038032
Registered Office AddressC/O Ashurst Accountancy 17 Duke Street
 Formby
 L37 4AN
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date07/06/2019
Accounting Reference Date Day31
Accounting Reference Date Month10
Accounts Next Due Date31/07/2026
Accounts Last Made Up Date31/10/2024
Accounts Account CategoryMICRO ENTITY
Returns Next Due Date05/07/2020
Previous Company NameChanged Date
REFRESH FINANCIAL ADVISERS LIMITED14 Aug 2019
Directors & Members
Show Resigned
John Hughes - Director
(British, 45 years old, born May 1981)
Appointed 07 May 2020
 Active
Secretaries
No Secretaries Appointed
Other Company Directorships
John Hughes
BRIGHTER LENDING SERIES A LIMITED
BRIGHTER MORTGAGES LIMITED
HUGHES MERCER UK LIMITED
MONTHLY FI LIMITED
SJS LEGAL LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Oct-2024 31-Oct-2022 31-Oct-2021
Balance Sheet
Fixed Assets 112,269 112,269 -126,000
Current Assets 333,818 333,818 377,160
Creditors Due Within One Year 276,331 276,331 188,580
Working Cap 57,487 57,487 188,580
Total Assets Less Current Liabilities 169,756 169,756 62,580
Long-term Liabilities 61,203 61,203 0
Net Assets 661,215 661,215 62,580
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 661,215 661,215 62,580
Common Size Financial Analysis Unlock full report
Accounts Date 31-Oct-2024 31-Oct-2022 31-Oct-2021
Tangible Fixed Assets - - -
Fixed Assets 25.2% 25.2% -50.2%
Stocks Inventory - - -
Debtors - - -
Cash Bank In Hand - - -
Current Assets 74.8% 74.8% 150.2%
Creditors Due Within One Year 61.9% 61.9% 75.1%
Net Current Assets Liabilities 12.9% 12.9% 75.1%
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 148.2% 148.2% 24.9%
Capital Employed - - -
Total Assets Less Current Liabilities 38.1% 38.1% 24.9%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Oct-2024 31-Oct-2022 31-Oct-2021
Liquidity Ratio 1.2 1.2 2.0
Solvency Ratio 2.1 2.1 1.3
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-Oct-2024 31-Oct-2022 31-Oct-2021
Assets 446,087 446,087 251,160
Debt 215,128 215,128 188,580
Net Assets/Debt 661,215 661,215 62,580

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 current section of the balance sheet has positive working capital. We would normally consider 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 current section of the balance sheet has positive working capital. We would normally consider 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 current section of the balance sheet has positive working capital. We would normally consider 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
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Document Filings
Termination of appointment of Emma Mcconlough as a director on 31 August 2025
Cessation of Emma Mcconlough as a person with significant control on 31 August 2025
Confirmation statement made on 17 June 2025 with no updates
Confirmation statement made on 17 June 2024 with updates
Confirmation statement made on 7 September 2023 with updates
Confirmation statement made on 13 April 2023 with updates
Confirmation statement made on 23 February 2023 with updates
Confirmation statement made on 14 November 2022 with updates
Confirmation statement made on 9 November 2022 with updates
Statement of capital following an allotment of shares on 24 October 2022
Confirmation statement made on 24 October 2022 with updates
Statement of capital following an allotment of shares on 16 January 2020
Notification of Emma Mcconlough as a person with significant control on 31 July 2022
Confirmation statement made on 16 August 2022 with updates
Termination of appointment of Paul Woodworth as a director on 31 July 2022
Cessation of Paul Woodworth as a person with significant control on 31 July 2022
Confirmation statement made on 7 May 2022 with no updates
Confirmation statement made on 7 May 2021 with no updates
Registered office address changed from 2nd Floor, 8 Water Street Liverpool L2 8TD England to C/O Ashurst Accountancy 17 Duke Street Formby Liverpool L37 4AN on 17 March 2021
Current accounting period extended from 30 June 2020 to 31 October 2020
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