Company Overview
Channel Finance Group Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Tuesday 12 March 2019, so this is a well established company. Channel Finance Group Limited has been in business for 7 years. The accounts status is micro entity and the accounts are next due on Wednesday 31 December 2025.
Registered Address

Pavilion 1 (Channel House) The Approach, Glasgow Business Park, Glasgow, G69 6GA
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Companies House Data
Company NameCHANNEL FINANCE GROUP LIMITED
Company NumberSC624197
Registered Office AddressPavilion 1 (Channel House) The Approach
 Glasgow Business Park
 G69 6GA
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date12/03/2019
Accounting Reference Date Day31
Accounting Reference Date Month3
Accounts Next Due Date31/12/2026
Accounts Last Made Up Date31/03/2025
Accounts Account CategoryMICRO ENTITY
Returns Next Due Date09/04/2020
Directors & Members
Show Resigned
Michael Savage - Director
(British, 44 years old, born November 1982)
Appointed 01 June 2021
 Active
Secretaries
No Secretaries Appointed
Other Company Directorships
Michael Savage
AXE PROPERTY DEVELOPMENTS LIMITED
CHANNEL ASSET FINANCE LIMITED
CHANNEL MORTGAGES LIMITED
EXSEL BUSINESS SOLUTIONS LIMITED
SAVAGE MANAGEMENT CONSULTANCY LIMITED
THE CITY BROKER (CALEDONIA) LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2022 31-Mar-2021
Balance Sheet
Fixed Assets 43,457 43,457 0
Current Assets 34,803 34,803 84,784
Creditors Due Within One Year 61,631 61,631 69,820
Working Cap -26,828 -26,828 14,964
Total Assets Less Current Liabilities 16,629 16,629 14,964
Long-term Liabilities 8,467 8,467 16,000
Net Assets 8,162 8,162 -1,036
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 8,162 8,162 -1,036
Common Size Financial Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2022 31-Mar-2021
Tangible Fixed Assets - - -
Fixed Assets 55.5% 55.5% 0.0%
Stocks Inventory - - -
Debtors - - -
Cash Bank In Hand - - -
Current Assets 44.5% 44.5% 100.0%
Creditors Due Within One Year 78.8% 78.8% 82.4%
Net Current Assets Liabilities -34.3% -34.3% 17.6%
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 10.4% 10.4% -1.2%
Capital Employed - - -
Total Assets Less Current Liabilities 21.2% 21.2% 17.6%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2022 31-Mar-2021
Liquidity Ratio 0.6 0.6 1.2
Solvency Ratio 1.1 1.1 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-Mar-2025 31-Mar-2022 31-Mar-2021
Assets 78,260 78,260 84,784
Debt 70,098 70,098 85,820
Net Assets/Debt 8,162 8,162 -1,036

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.

Current debt exceeded short term liquid assets as at the balance sheet date. We would normally view this in the context of other profitability and solvency indicators. 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. For the size of the company inferred by the balance sheet this level of net assets suggests total debts and obligations were moderately well covered.

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.Current debt exceeded short term liquid assets as at the balance sheet date. We would normally view this in the context of other profitability and solvency indicators. 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. For the size of the company inferred by the balance sheet this level of net assets suggests total debts and obligations were moderately well covered.   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.Current debt exceeded short term liquid assets as at the balance sheet date. We would normally view this in the context of other profitability and solvency indicators. 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. For the size of the company inferred by the balance sheet this level of net assets suggests total debts and obligations were moderately well covered.

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 19 October 2025 with no updates
Termination of appointment of Claire Mclaughlan as a director on 24 November 2025
Cessation of Elizabeth Anne Savage as a person with significant control on 1 November 2025
Change of details for Elizabeth Anne Savage as a person with significant control on 11 July 2025
Confirmation statement made on 19 October 2024 with no updates
Director's details changed for Mr Michael Paul Savage on 1 October 2024
Change of details for Mr Michael Paul Patrick Savage as a person with significant control on 1 October 2024
Termination of appointment of Kevin Rodgers as a director on 11 September 2024
Notification of Michael Paul Patrick Savage as a person with significant control on 1 April 2024
Confirmation statement made on 19 October 2023 with no updates
Appointment of Mr Kevin Rodgers as a director on 4 July 2023
Confirmation statement made on 19 October 2022 with no updates
Confirmation statement made on 19 October 2021 with updates
Confirmation statement made on 23 September 2021 with updates
Registered office address changed from , Pavillion 1 (Channel House) Glasgow Business Park, Glasgow, G69 6GA, Scotland to Pavilion 1 (Channel House) the Approach Glasgow Business Park Glasgow G69 6GA on 14 July 2021
Registered office address changed from , Suite 4F Ingram House, 227 Ingram Street, Glasgow, G1 1DA, Scotland to Pavilion 1 (Channel House) the Approach Glasgow Business Park Glasgow G69 6GA on 14 July 2021
Appointment of Mr Michael Paul Patrick Savage as a director on 1 June 2021
Registered office address changed from , Comac House 2 Coddington Crescent, Eurocentral, Lanarkshire, ML1 4YF, United Kingdom to Pavilion 1 (Channel House) the Approach Glasgow Business Park Glasgow G69 6GA on 4 May 2021
Termination of appointment of Robert Gracey as a director on 25 January 2021
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