FAIR FOR YOU ENTERPRISE CIC

UNIT 8 ELM COURT MERIDEN BUSINESS PARK, COPSE DRIVE, COVENTRY, CV5 9RG

Company Number: 09798014
Incorporation date: 28-Sep-2015
Status: Active
Entity type: Community Interest Company

SIC codes:
64921 Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors

SUMMARY

This company is 8.6 years old and is currently active. No P&L financials are available but there is Balance Sheet data. The company has negative equity (net assets) of GBP -867.3 thousand but has improved from GBP -1.9 million in the previous year. Although the P&L is not published, we can infer from the Balance Sheet that net profit (less dividends) was GBP 1 million in the last reported period. Retained earnings is negative (GBP -867.3 thousand), which means the company has aggregate losses since it's inception or it has paid more dividends than it can afford; given the company's age, this is a sign of serious financial problems. The company has 8 active officers (directors or partners) who are or were officers of 55 other companies, 4 (7.3%) of which have since been dissolved or are proposed for strike off. The company has no public disputes filed on the Business Disputes Register. There are no court cases involving the company that we are aware of.

FINANCIALS (BETA)

Next accounts due: 30-Sep-2024
Accounts Filed: SMALL (31-Dec-2022)

P&L Financials:

Year end	Currency	Revenue	Operating profit	Interest Received	Interest Paid	Tax	Net Profit GBP

No P&L data available

Balance Sheet Financials:

Year end	Currency	Cash	Current Assets	Current Liabilities	Debt	Share Capital	Premium Reserve	Retained Earnings	Net Assets
31-Dec-2019	GBP	74,318	5,593,041	1,522,942	5,100,000			-867,331	-867,331
31-Dec-2018	GBP	226,180	3,963,000	684,583	5,215,000			-1,867,741	-1,867,741

DISPUTES

No disputes filed on www.disputesregister.org

COMPANY SECRETARY

Status	Name	Appointed on	Resigned on	Occupation	Nationality	All apointments (active/resigned)
Active	Christopher Stephen BENNETT	21 Dec 2015	16 Apr 2024			1 - 0

DIRECTORS

Status	Name	Appointed on	Resigned on	Occupation	Nationality	All appointments (active/resigned)	Dissolved companies (rate)
Active	Ali CHAUDHRY	24 Jan 2024		Chief Customer Officer	British	1 - 0	0 (0.0%)
Active	Simon DUKES	01 Oct 2021		Ceo	British	2 - 0	0 (0.0%)
Active	Uma CRESSWELL	01 Feb 2021		Independent Non-Executive Director	British	2 - 3	2 (40.0%)
Resigned	James Robert WILKINSON	29 Sep 2020	07 Jan 2022	Head Of Lending And Credit Risk	British	0 - 1	0 (0.0%)
Active	Jennifer DUNCAN	01 Jun 2019		Director	British	1 - 0	0 (0.0%)
Active	Neil John, Mr. EDWARDS	18 Mar 2019		Non-Executive Director	British	3 - 34	1 (2.7%)
Active	Emma GOODWIN	20 Aug 2018		General Manager	British	2 - 0	0 (0.0%)
Active	Howard Ashley BELL	23 Jun 2017		Consultant	British	5 - 5	1 (10.0%)
Resigned	Anthony John HAWKEN	01 Mar 2017	16 Mar 2018	Cfo	British	0 - 9	0 (0.0%)
Resigned	Bennett Lyle Edward REID	13 May 2016	23 Jun 2017	Ceo	British	3 - 4	0 (0.0%)
Resigned	Timothy Robert TAYLOR	05 May 2016	11 Nov 2016	Cfo	British	0 - 4	1 (25.0%)
Resigned	Stuart Kurt ROBERTS	08 Oct 2015	05 May 2016	Chartered Accountant	British	2 - 18	7 (35.0%)
Active	Tom LEVITT	28 Sep 2015		Freelance Business Consultant	British	4 - 5	1 (11.1%)
Resigned	Angela Kim CLEMENTS	28 Sep 2015	31 Oct 2020	Ceo	British	0 - 6	3 (50.0%)
Resigned	Jacquelyn Ann PORRITT	28 Sep 2015	31 May 2019	None	British	1 - 7	2 (25.0%)
Resigned	Anthony CLAYTOR	28 Sep 2015	04 Jul 2022	Company Director	British	1 - 18	8 (42.1%)

Number of active directors: 8
Average tenure of active directors: 4.6 years
Average tenure of resigned directors: 2.5 years
Average active director Dissolution Rate: 8.0%

DIRECTOR APPOINTMENTS IN OTHER COMPANIES

Name	Ali CHAUDHRY	Simon DUKES	Uma CRESSWELL	Jennifer DUNCAN	Neil John, Mr. EDWARDS	Emma GOODWIN	Howard Ashley BELL	Tom LEVITT
BUSINESS CONTROL SOLUTIONS GROUP LIMITED (02089155) - Liquidation			✔
CFP SOFTWARE LIMITED (02428214) - Active					✔
CORE ESTATES LTD (02923850) - Active					✔
REAL ESTATE TECHNOLOGY LIMITED (03256054) - Active					✔
MONEYGRAM INTERNATIONAL LIMITED (03287157) - Active					✔
PSG WEB SERVICES LIMITED (03915989) - Active					✔
VEBRA LIMITED (03919424) - Active					✔
HOMETRACK.CO.UK LIMITED (03932840) - Active					✔
TECHNICWEB LIMITED (03934226) - Active					✔
XBRIDGE LIMITED (03967717) - Active					✔
WEBSKY LIMITED (03975262) - Active					✔
PROPERTY SOFTWARE LIMITED (04128830) - Active					✔
CONCERN WORLDWIDE (UK) (04323646) - Active								✔
MIL OVERSEAS LIMITED (04481406) - Active					✔
VEBRA SOLUTIONS LIMITED (04529917) - Active					✔
HOMETRACK DATA SYSTEMS LIMITED (04622244) - Active					✔
MONEYGRAM INTERNATIONAL HOLDINGS LIMITED (04631147) - Active					✔
VEBRA INVESTMENTS LIMITED (04956122) - Active					✔
THE CHANGE COMPANY LIMITED (05263629) - Active							✔
ZOOPLA LIMITED (06074771) - Active					✔
PARADIGM HR LIMITED (06224552) - Dissolved			✔
OUTREACH SOLUTIONS LTD (06322789) - Active								✔
JUPIX LTD (06382929) - Active					✔
THE FOOTBALL LEAGUE (COMMUNITY) LIMITED (06469948) - Active			✔
TEMPO TIME CREDITS LIMITED (06593956) - Active							✔
GOOD MEASURES LIMITED (06792738) - Active								✔
ON PURPOSE CAREERS LIMITED (07060582) - Active							✔
SECTOR 4 FOCUS LIMITED (07173360) - Active								✔
COALITION FOR EFFICIENCY (07241095) - Active - Proposal to Strike off								✔
MTI MONEY TRANSFER LIMITED (07414958) - Liquidation					✔
THE WORK FOUNDATION ALLIANCE LIMITED (07746776) - Active								✔
XBRIDGE ACQUISITIONS LIMITED (08317466) - Active					✔
XBRIDGE HOLDINGS LIMITED (08317558) - Active					✔
PROPERTY SOFTWARE HOLDINGS LIMITED (08800101) - Active					✔
PANINSIGHT LTD (08910746) - Active							✔
MOVEIT NETWORK LIMITED (08924045) - Active					✔
FAIR CREDIT CHARITY LTD (08991099) - Active		✔	✔					✔
ZPG LIMITED (09005884) - Active					✔
SUPER CARERS LTD (09279761) - Active							✔
MPB GROUP LIMITED (09443023) - Active							✔
FAIR FOR YOU ENTERPRISE CIC (09798014) - Active	✔	✔	✔	✔	✔	✔	✔	✔
ST LAURENCE MEADOWS MANAGEMENT COMPANY LIMITED (09953562) - Active						✔
SIMPLY BUSINESS HOLDINGS LTD (10103252) - Active					✔
SIMPLY BUSINESS GROUP LTD (10103866) - Active					✔
FIREFLY LEARNING LIMITED (10115230) - Active							✔
W NEW HOLDINGS LIMITED (10618700) - Active					✔
ZOOPLA PRINTING SERVICES LIMITED (10878470) - Active					✔
ZPG PROPERTY SERVICES LIMITED (11073994) - Active					✔
ZEPHYR MIDCO 2 LIMITED (11346641) - Active					✔
ZEPHYR BIDCO LIMITED (11347511) - Active					✔
HOUSEFUL LIMITED (11632420) - Active					✔
RVU LIMITED (11632556) - Active					✔
AVENTUM GROUP LIMITED (12069323) - Active					✔
OAKWILSON LTD (12187874) - Dissolved							✔
ROLE MAPPER TECHNOLOGIES LTD (12359289) - Active							✔
TANGLEWOOD FINANCIAL SERVICES LTD (14533251) - Active					✔

SHAREHOLDERS (BETA)

No shareholder data available

SHAREHOLDINGS (BETA)

no shareholding data

CONTROLLED COMPANIES / CONTROLLING ENTITIES

no controlling companies

FAIR FOR YOU ENTERPRISE CIC

no controlled companies

LATE PAYMENTS REPORT

This company has not filed any late payment reports possibly because it is not considered \'Large\'.

COURT CASES

No Court Cases found

PATENTS

No Patents found

COMPETITORS

(Based on Sic code: 64921 Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors)

Company	Registered Address	Company Number	YE Date	Revenue GBP	Net Profit GBP	Other SIC codes
BMW FINANCIAL SERVICES (GB) LIMITED	SUMMIT ONE, SUMMIT AVENUE, FARNBOROUGH, ENGLAND, GU14 0FB	01288537	2017-12-31	870,090,000	231,774,000
CAPITAL ONE (EUROPE) PLC	TRENT HOUSE, STATION STREET, NOTTINGHAM, NG2 3HX	03879023	2017-12-31	566,574,000	166,706,000
PARAGON BANKING GROUP PLC	51 HOMER ROAD, SOLIHULL, WEST MIDLANDS, UNITED KINGDOM, B91 3QJ	02336032	2018-09-30	451,900,000	145,800,000
PROVIDENT PERSONAL CREDIT LIMITED	NO. 1, GODWIN STREET, BRADFORD, WEST YORKSHIRE, BD1 2SU	00146091	2018-12-31	339,900,000	-81,800,000
NEWDAY CARDS LTD	7 HANDYSIDE STREET, LONDON, ENGLAND, N1C 4DA	04134880	2018-12-31	259,100,000	26,200,000
RCI FINANCIAL SERVICES LIMITED	RIVERS OFFICE PARK DENHAM WAY, MAPLE CROSS, RICKMANSWORTH, ENGLAND, WD3 9YS	03302462	2017-12-31	234,871,000	35,078,000
AMIGO LOANS LTD	UNIT 11A,, THE AVENUE CENTRE, BOURNEMOUTH, ENGLAND, BH2 5RP	04841153	2018-03-31	210,600,000	72,200,000
ARROW GLOBAL LIMITED	BELVEDERE, 12 BOOTH STREET, MANCHESTER, UNITED KINGDOM, M2 4AW	05606545	2017-12-31	153,292,000	2,254,000
CREATION CONSUMER FINANCE LIMITED	WELLINGTON BUILDINGS 6TH FLOOR, WELLINGTON BUILDINGS, 2 - 4 WELLINGTON STREET, BELFAST, NORTHERN IRELAND, BT1 6HT	NI032565	2017-12-31	127,785,000	29,541,000
HOME RETAIL GROUP CARD SERVICES LIMITED	33 HOLBORN, LONDON, ENGLAND, EC1N 2HT	04007072	2018-02-28	127,117,000	9,734,000
PREMIUM CREDIT LIMITED	ERMYN HOUSE, ERMYN WAY, LEATHERHEAD, ENGLAND, KT22 8UX	02015200	2017-12-31	119,133,000	43,946,000
CREATION FINANCIAL SERVICES LIMITED	CHADWICK HOUSE, BLENHEIM COURT, SOLIHULL, WEST MIDLANDS, B91 2AA	01091883	2017-12-31	86,676,000	28,024,000
ADVANTAGE FINANCE LIMITED	2 STRATFORD COURT C/O S&U PLC CRANMORE BOULEVARD, SHIRLEY, SOLIHULL, ENGLAND, B90 4QT	03773673	2018-01-31	78,882,000	24,458,000
S.D. TAYLOR LIMITED	11TH FLOOR LANDMARK ST PETER'S SQUARE, 1 OXFORD ST, MANCHESTER, M1 4PB	00550055	2017-12-31	50,741,000	1,513,000
WELLS FARGO CAPITAL FINANCE (UK) LIMITED	33 KING WILLIAM STREET, LONDON, UNITED KINGDOM, EC4R 9AT	02656007	2017-12-31	48,978,000	20,394,000
BLEMAIN FINANCE LIMITED	LAKE VIEW, LAKESIDE, CHEADLE, CHESHIRE, SK8 3GW	01185052	2018-06-30	47,500,000	8,800,000
FIRST RESPONSE FINANCE LIMITED	5 REGAN WAY, CHETWYND BUSINESS PARK, CHILWELL, NOTTINGHAM, NOTTINGHAMSHIRE, UNITED KINGDOM	03560611	2018-03-31	41,023,376	11,684,534
THE CAR FINANCE COMPANY (2007) LTD	THE OLD TOWN HALL, 71 CHRISTCHURCH ROAD, RINGWOOD, BH24 1DH	06060536	2018-06-30	21,835,000	-16,791,000
OAKMORE INVESTMENTS LIMITED	98 LIVERPOOL ROAD, FORMBY, LIVERPOOL, ENGLAND, L37 6BS	10321045	2017-12-31	20,334,041	0
MUTUAL CLOTHING & SUPPLY COMPANY LIMITED	39/43 BEDFORD STREET SOUTH, LEICESTER, LE1 3JN	00181701	2017-12-31	19,464,000	965,000
PARAGON FINANCE PLC	51 HOMER ROAD, SOLIHULL, WEST MIDLANDS, B91 3QJ	01917566	2018-09-30	13,244,000	12,255,000
PARTNERSHIP HOME LOANS LIMITED	ENTERPRISE HOUSE, BANCROFT ROAD, REIGATE, SURREY, ENGLAND, RH2 7RP	05108846	2017-12-31	118,339	-447,895
CLB GLOBAL GROUP LTD	21 THE GATEWAY, WATFORD, HERTFORDSHIRE, WD18 7HW	07011241	2018-12-31	60,083	0
ROBIN OF HEATHFIELD LIMITED	ELDERBURY HOUSE, HOWARDS THICKET, GERRARDS CROSS, BUCKINGHAMSHIRE, SL9 7NU	09245948	2018-09-30	18,417	0
RAVSPEED LTD	12 VICTORIA BUNGALOWS, MAIDSTONE ROAD, SIDCUP, ENGLAND, DA14 5BB	09442820	2018-03-31	14,489	0
REVLINK LIMITED	UNIT 53 CARIOCCA BUSINESS PARK 2 HELLIDON CLOSE, ARDWICK, MANCHESTER, ENGLAND, M12 4AH	07209905	2018-03-31	800	0	68209-Other letting and operating of own or leased real estate 70210-Public relations and communications activities 70229-Management consultancy activities other than financial management
GLF LIMITED	7 PORCHESTER PLACE, LONDON, ENGLAND, W2 2BS	06758130	2017-12-31	0	0
ARROW GLOBAL INVESTMENTS HOLDINGS LIMITED	BELVEDERE, 12 BOOTH STREET, MANCHESTER, UNITED KINGDOM, M2 4AW	06568603	0000-00-00	0	0
INTERNATIONAL PERSONAL FINANCE PLC	26 WHITEHALL ROAD, LEEDS, UNITED KINGDOM, LS12 1BE	06018973	0000-00-00	0	0

LIQUIDATION RISK (BETA)

This company is Active. Statistically, Active companies have a low probability of being liquidated within a year.
Here are our probability predictions:

Basis	Liquidation within 3 months	Liquidation within 6 months	Liquidation within 12 months	Prediction confidence
FAIR FOR YOU ENTERPRISE CIC	0.7%	3.6%	7.1%	Medium
Other companies Active in the same sector	0.5%	3.3%	9.3%	Medium


Age	0.6%	2.5%	4.9%	Medium
Company Type	0.7%	3.8%	7.7%	Medium
Accounts category	0.5%	1.5%	2.8%	Medium
Accounting Month	0.6%	2.4%	5.5%	Medium
Sic code count	0.7%	3.5%	7.0%	Medium