What if my accounts are overdue at Companies

2 min read

PublicLenders see the filing status

Red flagOverdue = risk

File firstBefore applying

FixableUsually quickly

Why it matters

Your filing status is public, and lenders check it as a matter of course. Overdue accounts suggest a company that is either poorly run or hiding poor results — neither reassures an underwriter. It can also attract Companies House penalties and, if prolonged, strike-off action, all of which show up in due diligence.

What lenders infer

An overdue filing rarely gets you an automatic decline on its own, but it lowers confidence and can tip a borderline case the wrong way. Lenders read it as an admin risk that often correlates with financial-control problems — see the related answer on applying with overdue accounts.

Fixing it before you apply

The clean fix is to bring the filing up to date first. Speak to your accountant, file the outstanding accounts, and let the public record correct itself before you approach a lender. If you must apply in the interim, provide management accounts and a candid explanation. The application checklist flags filing status as a pre-application item.

Frequently asked questions

Can I still get a loan with overdue accounts?

Sometimes, particularly with strong bank data and a clear explanation, but it weakens the case. Filing first is almost always the better move, and often only takes days with an accountant's help.

Do lenders really check Companies House filing dates?

Yes, routinely — it is a free, instant, public check. Assume any lender will see an overdue filing, so treat bringing it current as part of preparing to apply.