SCC Nexus Commercial Analytical Briefing
Methodology overview
Executive summary
- The monthly run retained 1,580,777 eligible companies from a source population of 5,696,442.
- The focus cohort of 100 companies now sits on top of a broader priority universe of 3,166 cases.
- Charge/lender, officer-movement and address-cluster layers are now present in the final report rather than being lost upstream.
- The internal version now includes follow-up appendices intended for manual investigation.
Introduction
This briefing combines population-scale screening with filing, charge, officer, address and accounts signals. The internal version is deliberately more evidential so that it can support further investigation after the monthly run.
Key findings
- The strongest current theme is the overlap between material lender/charge exposure and repeated officer movement in the top-ranked cases.
- Address concentration remains relevant, with 3 high-risk address clusters visible in the current monthly output.
- Accounts depth remains useful but should still be read through the lens of extraction confidence, with 33 high/medium-confidence cases currently visible.
- The headline metrics now reconcile and show a wider priority universe of 3,166 cases rather than the earlier compressed figure.
Charts and graphics
Observations
- The monthly run retained 1,580,777 eligible companies from a source population of 5,696,442.
- The focus cohort of 100 companies now sits on top of a broader priority universe of 3,166 cases.
- Charge/lender, officer-movement and address-cluster layers are now present in the final report rather than being lost upstream.
- The internal version now includes follow-up appendices intended for manual investigation.
Analysis
- Average focus risk is 34.7 and maximum focus risk is 53.
- 26 focus companies show at least one charge.
- 3 high-risk address clusters are visible in the current address summary.
- 33 focus/deep-dive cases currently show high or medium accounts extraction confidence.
Recommendations
- Use the focus cohort as a prioritised diligence shortlist rather than as a definitive adverse-finding list.
- Escalate cases where filing stress, governance churn and material charge exposure overlap.
- Supplement follow-up with source-document review where account extraction confidence is weaker.
Banking exposure and charges
Selected banking / charge exposure cases
| Company Name | Company Number | Risk Score Display | Charge Count | Latest Charge Holder | Latest Charge Type | Latest Charge Status |
|---|---|---|---|---|---|---|
| BRAEFORGE LIMITED | 3,437,953 | 44 | 39 | Secure Trust Bank PLC | outstanding | |
| AVANT (BBH) NO.2 LIMITED | 405,045 | 43 | 22 | Bank of Scotland PLC (The Security Agent) | fully-satisfied | |
| DESAI PROPERTY INVESTMENT LIMITED | 5,085,780 | 51 | 16 | Shawbrook Bank Limited | outstanding | |
| SUPERLATIVE HOUSING LONDON LTD | 10,220,120 | 47 | 14 | Chl Mortgages for Intermediaries Limited | outstanding | |
| WALKER SHEPPARD HOMES LIMITED | 5,990,771 | 53 | 13 | Amicus Finance PLC (In Administration) | outstanding | |
| FINEBRICK LIMITED | 7,276,213 | 45 | 9 | Tempus Capital Sb Limited | outstanding | |
| HOLMLODGE LIMITED | 7,218,566 | 44 | 9 | Kseye Capital Holdings Limited | outstanding | |
| PERMITTED DEVELOPMENTS INVESTMENTS NO 7 LTD | 11,095,611 | 47 | 8 | Bym Capital Limited | outstanding | |
| VILACREST LIMITED | 10,657,738 | 47 | 8 | Gfs 1 LTD | outstanding | |
| GOBOWLING LIMITED | 4,236,526 | 44 | 8 | Hospitality Holdings Limited | outstanding | |
| INSTALLATION & MANUFACTURING CONTRACTORS LIMITED | 705,668 | 40 | 7 | Yorkshire Bank PLC | outstanding | |
| G. & R. ROSS LIMITED | SC017137 | 43 | 4 | The Trustees of G&R Ross Limited Ssas | fully-satisfied |
Top lender concentration
| Display Name | Linked Companies | Total Charges |
|---|---|---|
| National Westminster Bank PLC | 6 | 1 |
| Barclays Bank PLC | 3 | 0 |
| Onesavings Bank PLC | 2 | 6 |
| Redwood Bank Limited | 2 | 4 |
| Together Commercial Finance Limited | 2 | 4 |
| Commercial Acceptances Limited | 2 | 2 |
| Hsbc Bank PLC | 2 | 2 |
| Shawbrook Bank Limited | 2 | 2 |
Address concentration
| Address Cluster Key | Company Count | Avg Risk | High Risk Cluster Flag | Companies |
|---|---|---|---|---|
| ONEGA HOUSE | DA146NE | 7 | 39.4 | 1 | BEDDOW INTERIORS LIMITED | RAMSIER ASSOCIATES LIMITED | FREYA B HEATING LIMITED | TIMBERTRAIN MUSIC LIMITED | DIAMOND REFURBISHMENTS (UK) LIMITED | J M CREATIVE LANDSCAPES LIMITED | SOUTHERN PARTY WALL SURVEYORS LIMITED |
| 68 GRAFTON WAY | W1T5DS | 3 | 41 | 1 | DESAI PROPERTY INVESTMENT LIMITED | VILACREST LIMITED | SPACELOG LIMITED |
| AMELIA HOUSE | BN111QR | 3 | 28 | 1 | HOUSE OF JACOB DAVID LLP | STATELY ESTATES LTD | TBG FUSION LIMITED |
| BRIDGE HOUSE | CV64AD | 2 | 41 | 0 | RSDA LIMITED | LANE HEAD POST OFFICE LTD |
| THE OAKLEY | WR99AY | 2 | 39 | 0 | WALKER SHEPPARD HOMES LIMITED | UNLOCK DIRECT LTD |
| 650 ANLABY ROAD | HU36UU | 2 | 38 | 0 | GRADS LIMITED | ART ENGINEERING (HULL) LTD |
| ARLINGTON HOUSE WEST STATION BUSINESS PARK | CM96FF | 2 | 36 | 0 | WILLIAM CHARLES DEVELOPMENTS LTD | DAVID TURNER INSTALLATIONS LTD |
| 128 CITY ROAD | EC1V2NX | 2 | 35.5 | 0 | FRACTAL LOGISTICS LIMITED | MEDI SAVER PHILIPPINES LTD |
Selected company reviews
AVANT (BBH) NO.2 LIMITED
The latest filing for AVANT (BBH) NO.2 LIMITED, dated 28 August 2021, is a full accounts submission with total exemption. The extraction confidence is low, and limited structured financial data could be obtained from the filing text. Key financial metrics such as turnover, assets, liabilities, and cash balances are not available. There are no textual mentions of going concern considerations, material uncertainties, losses, creditor details, loans, or taxation within the extracted content. Additionally, no references to audit or micro-entity exemptions were identified. Due to the partial nature of the extraction and absence of detailed financial information, it is not possible to assess financial stress indicators or creditor exposure reliably. Overall, the available data does not provide sufficient insight into the company’s financial position or risks related to its ongoing viability. Further review of the complete filing would be necessary for a comprehensive evaluation.
BRAEFORGE LIMITED
The latest filing for BRAEFORGE LIMITED (company number 03437953), filed on 20 September 2022 with medium extraction confidence, provides partial financial data and narrative for the year ended 26 June 2021. The company reported net assets of approximately £4.91 million and total assets less current liabilities of about £7.02 million. Current assets stand at £14,000, while short-term creditors are slightly higher at £16,000, with longer-term creditors at £17,000. Cash at bank is modest at £17,343. Taxation liabilities are noted at £315,000. The filing includes a going concern mention, indicating management's consideration of the company’s ability to continue operations, though no material uncertainty is flagged. The narrative describes pandemic-related sales declines and strategic restructuring, including depot sales and cost rationalization. Interest costs increased due to temporary borrowing, with plans to reduce net debt. There are mentions of creditors, loans, and taxation, but details appear limited. Overall, the data suggests some financial stress from reduced turnover and increased borrowings, but net asset levels remain positive. Extraction is partial, so conclusions should be cautious.
WALKER SHEPPARD HOMES LIMITED
The latest filing for WALKER SHEPPARD HOMES LIMITED (company number 05990771), dated 29 September 2023, presents unaudited financial statements for the year ended 30 December 2022 with medium extraction confidence. The balance sheet shows net liabilities of £1,678,104, indicating a negative equity position. Current assets are minimal at £5,000, while short-term creditors amount to £6,000 and long-term creditors to £7,000 (note: these creditor figures appear partial or simplified compared to the detailed extracted text). Cash at bank is reported as zero. The filing includes a going concern statement, with the directors confirming the accounts are prepared on this basis, though no material uncertainty is explicitly mentioned. There is a single mention of taxation, with a tax liability of £1,400 noted, and the notes describe standard current and deferred tax accounting policies. The company has not included a profit and loss account in the filing. Overall, the financial position suggests financial stress due to net liabilities and creditor exposure exceeding current assets, but the going concern assertion remains. The extraction appears partial regarding creditor and turnover details.
DESAI PROPERTY INVESTMENT LIMITED
The latest filing for DESAI PROPERTY INVESTMENT LIMITED, dated 2023-07-07, is categorized as "accounts-with-accounts-type-total-exemption-full." The extraction confidence is low, and limited structured financial data was obtained. Key financial metrics such as turnover, current assets, creditors, net assets, and cash balances are not available from the extracted text. There are no mentions of going concern considerations, material uncertainties, losses, creditor exposure, loans, or taxation within the filing text. Additionally, no references to audit exemption or micro-entity status were identified. Given the absence of detailed financial information and the low confidence in extraction, it is not possible to assess financial stress indicators or creditor risk from the current data. Overall, the filing provides minimal insight into the company’s financial position or potential risks, and further information would be required for a comprehensive evaluation.
INSTALLATION & MANUFACTURING CONTRACTORS LIMITED
The latest accounts filing for Installation & Manufacturing Contractors Limited, dated 15 June 2023, is a full set with total exemption from audit, filed under a small company regime. Extraction confidence is medium, and the data appears partial. The balance sheet shows net current liabilities of £32,817, with short-term creditors also at £32,817, indicating the company has current liabilities exceeding current assets. Shareholders’ funds are negative by the same amount, reflecting accumulated losses of £35,828. There is a single mention of going concern in the text, but no indication of material uncertainty related to it. Taxation is mentioned once, but no specific details on tax liabilities or exposures are extracted. No loans or long-term creditor data are available. Overall, the financial indicators suggest financial stress due to negative net current assets and accumulated losses. The going concern mention warrants attention, though the partial extraction limits full assessment. Further detailed review of the full accounts is recommended to clarify the company’s financial position and any contingent risks.
SUPERLATIVE HOUSING LONDON LTD
The latest accounts filing for SUPERLATIVE HOUSING LONDON LTD, dated 29 July 2021, is classified as a total exemption full accounts type. The extraction confidence is low, and limited structured financial data was available from the filing text. Key financial metrics such as turnover, current assets, creditors, net assets, and cash at bank could not be determined. There are no mentions of taxation, creditor exposure, loans, or going concern considerations within the extracted text. Additionally, no references to audit exemption, material uncertainty, or losses were identified. Due to the partial nature of the extraction and absence of detailed financial indicators, it is not possible to assess financial stress or creditor risk from the available information. Overall, the filing provides minimal insight into the company’s financial position or potential going concern issues.
GOBOWLING LIMITED
The latest filing for GOBOWLING LIMITED (company number 04236526), filed on 7 September 2022, presents accounts prepared under the small companies regime with medium extraction confidence. The company reported net liabilities of £637,136 as of 30 June 2021, reflecting a deterioration from the prior year. Current assets stand at £21,500 with short-term creditors at £7, indicating limited liquidity. The balance sheet shows significant creditor exposure, including amounts falling due after more than one year (£8). The filing includes a going concern statement wherein the director acknowledges the net liability position and reliance on ongoing support from the landlord and other creditors to continue trading. The director also considered the impact of Covid-19 and asset impairment in forming this view. There is a mention of taxation policies, but no specific tax liabilities or exposures are detailed. The extraction appears partial, particularly regarding turnover and detailed creditor breakdowns. Overall, the financial indicators suggest financial stress, with reliance on creditor support and no material uncertainty disclosed.
THE CHALLENGE GYM LIMITED
The Challenge Gym Limited's latest filed accounts (period ending 30 September 2022) show net assets of £2,017, a significant decrease from the prior period, indicating reduced equity. Current assets stand at £570, with short-term creditors at £6, suggesting a relatively low immediate creditor exposure. However, non-current creditors are substantial at £2,022, indicating longer-term liabilities that may affect financial flexibility. Cash at bank is reported at £62,667, which provides liquidity support. Taxation liabilities are noted at £2,021, reflecting some tax exposure. The filing mentions a loss, but no explicit going concern or material uncertainty disclosures are extracted, which may be due to partial extraction. Audit exemption is indicated, consistent with small company status. Overall, the extraction confidence is medium, and some data appears partial, limiting full assessment. The financials suggest some financial stress given the low net assets and significant long-term creditors, but liquidity appears adequate. Further detailed review would be needed for a comprehensive evaluation.
PERMITTED DEVELOPMENTS INVESTMENTS NO 7 LTD
The latest available accounts for PERMITTED DEVELOPMENTS INVESTMENTS NO 7 LTD, filed as of 2022-05-31, show net liabilities of approximately £5.37 million as of 30 June 2021, indicating a deterioration from the prior year. Current assets stand at about £19.1 million, with minimal short-term creditors reported (£5), and slightly higher long-term creditors (£6). Cash at bank is modest at approximately £244,000. The turnover is low at £2.4 million, and taxation is noted at £100. The filing includes a going concern statement wherein directors acknowledge the company’s net deficit but consider the going concern basis appropriate due to shareholder support for working capital over at least twelve months. There are mentions of creditors, loans, taxation, and a loss, but no material uncertainty related to going concern is indicated. The extraction confidence is medium, and the text appears partial, limiting full assessment. Overall, financial stress indicators include net liabilities and low cash, but shareholder facilities mitigate immediate going concern concerns.
VILACREST LIMITED
The latest unaudited abridged accounts filed by VILACREST LIMITED as of 28 March 2024 show net assets of £5,149 and current assets of £4,000 against short-term creditors of £910,211 and long-term creditors of £2,111,866. Net current assets are reported at £888,232, and total assets less current liabilities stand at approximately £2.1 million. Cash at bank is minimal at £34. There is a single mention of loss and references to creditors and loans, but no explicit mention of taxation or going concern issues in the extracted text. The extraction confidence is medium, and the available data appears partial, limiting a full assessment. The significant creditor exposure relative to current assets and minimal cash balance may indicate financial stress, though no formal going concern or material uncertainty disclosures are identified. Taxation details are absent, and audit exemption is noted by the filing type. Overall, the financial position suggests creditor risk, but conclusions are constrained by incomplete extraction.
Provenance and integrity
- This report is built from staged notebook outputs together with Companies House API enrichment and derived charge, lender, address and officer layers.
- Opening metrics reconcile to the monthly_opening_metrics.json file written before publication.
- Priority review cases were sourced from: csv_row_count.companies_priority_review.csv.
- Filtered companies were sourced from: authoritative_fallback.filtered_ranked_companies.
- Accounts narratives are constrained by extraction confidence and source-document quality.
- The commercial report is a prioritisation briefing, not an allegation document.
Supporting table
| Company Name | Company Number | Risk Score Display | Charge Count | Latest Charge Holder | Recent Officer Change Events |
|---|---|---|---|---|---|
| AVANT (BBH) NO.2 LIMITED | 405,045 | 43 | 22 | Bank of Scotland PLC (The Security Agent) | 37 |
| BRAEFORGE LIMITED | 3,437,953 | 44 | 39 | Secure Trust Bank PLC | 14 |
| WALKER SHEPPARD HOMES LIMITED | 5,990,771 | 53 | 13 | Amicus Finance PLC (In Administration) | 21 |
| DESAI PROPERTY INVESTMENT LIMITED | 5,085,780 | 51 | 16 | Shawbrook Bank Limited | 17 |
| INSTALLATION & MANUFACTURING CONTRACTORS LIMITED | 705,668 | 40 | 7 | Yorkshire Bank PLC | 25 |
| SUPERLATIVE HOUSING LONDON LTD | 10,220,120 | 47 | 14 | Chl Mortgages for Intermediaries Limited | 4 |
| GOBOWLING LIMITED | 4,236,526 | 44 | 8 | Hospitality Holdings Limited | 15 |
| THE CHALLENGE GYM LIMITED | 4,952,151 | 42 | 1 | Hsbc Bank PLC | 19 |
| PERMITTED DEVELOPMENTS INVESTMENTS NO 7 LTD | 11,095,611 | 47 | 8 | Bym Capital Limited | 6 |
| VILACREST LIMITED | 10,657,738 | 47 | 8 | Gfs 1 LTD | 7 |
| HOLMLODGE LIMITED | 7,218,566 | 44 | 9 | Kseye Capital Holdings Limited | 8 |
| PROPITEER CAPITAL PLC | 12,101,322 | 44 | 1 | City Partnership Trustee Limited | 17 |
| LANE HEAD POST OFFICE LTD | 6,626,885 | 40 | 0 | 19 | |
| INGENUITY GROUP LIMITED | 7,000,437 | 40 | 0 | 19 | |
| COMSEC LIMITED | 10,458,628 | 42 | 2 | Ecapital Commercial Finance Limited | 16 |