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Culver Financial Management Limited

01157569

active
Private Limited Company
england wales
Companies House
Health Score
78 / 100

Some Concerns

30/30
Filing
10/30
Financial
38/40
Risk
  • Current liabilities exceed current assets (-10)
  • Going concern doubt noted in accounts (-10)
  • 1 outstanding charge (-2)

Details

13 HANOVER SQUARE, LONDON, W1S 1HN
Incorporated 18/01/1974

Compliance

Last accounts

31/03/2025

unaudited abridged

Next accounts due

29/12/2026

On track

Confirmation statement

Last: 31/12/2025

Due 14/01/2027

On track

Industry

65110
Life insurance
65120
Non-life insurance
82990
Other business support service activities

Officers

Mr Richard Simon Derick Brazier

director · Since 30/06/2014

DIRECTOR

BRITISH · ENGLAND · Age 52

Also on 2 other boards

Mr Christopher John Yates

director · Since 09/02/2016

COMPANY DIRECTOR

BRITISH · UNITED KINGDOM · Age 72

Also on 23 other boards

Persons with Significant Control

Ince Wealth Limited

75–100% shares

C/O Quantuma Llp 3rd Floor, 37 Frederick Place, Brighton, BN1 4EA

Reg: 02611363 · Companies House · Private Limited Company

Notified 31/03/2018

Former PSCs

Culver Limited

Ceased 31/03/2018

Charges1 outstanding

Charge
outstanding

INVESTEC BANK PLC

Created 26/03/2021Registered 29/03/2021
Charge
satisfied

BARCLAYS BANK PLC AS SECURITY TRUSTEE

Created 31/12/2018Registered 10/01/2019Satisfied 29/03/2021

CompanyRankvs 158+ SIC 65110 peers
64

Financial strength90th percentile among SIC peers · 23/25
Employees100th percentile among SIC peers · 15/15
LiquidityCurrent ratio 1.88× · 16/20
Longevity15 years trading (max 15) · 15/15
Filing complianceAll filings up to date · 15/15
Going concern doubt -10Outstanding charges -10
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How is this score calculated?
Financial strength23/25 pts

Net worth compared to all companies in the same SIC code with published accounts. Top quartile earns the full 25 points.

Employees15/15 pts

Workforce size relative to sector peers from the most recent accounts. A larger team generally signals commercial scale.

Liquidity16/20 pts

Current assets ÷ current liabilities. A ratio above 2× earns full marks; between 1–2× scores partially; below 0.5× scores minimal points.

Longevity15/15 pts

One point per year of operation since incorporation, capped at 15. Older companies have a proven track record.

Filing compliance15/15 pts

Full 15 points when both annual accounts and confirmation statement are filed on time. Points are deducted for each overdue filing.

Risk deductions

Going concern doubt: -10 pts

Outstanding charges: -10 pts

Maximum score is 100. Deductions apply for insolvency history, outstanding charges, going concern doubt, or disqualified officers.

Going Concern Doubt

ENDS No dividends will be distributed for the year ended 31 March 2025. FUTURE DEVELOPMENTS We draw attention to Note 2 of the financial statements with regards to the material uncertainty related to going concern notwithstanding that the Company's trading continues satisfactorily. The company was a joint guarantor of a senior facilities agreement entered into by The Ince Group Plc before it was d

Key FinancialsYear ending 31/03/2025

Net Worth

£430k

Balance sheet strength

Cash

£18k

Cash in the bank

Profit Before Tax

£30k

Bottom line earnings

Net Current Assets

£51k

Working capital

Current Assets

£109k

Current Liabilities

£58k

Debtors

£91k

Gross Profit

£403k

Admin Expenses

£371k

Operating Profit

£32k

Profit After Tax

£48k

4000avg. employees

Balance Sheet

Assets less current liabilities£51k
Prepared with IRIS Accounts Production

EstimatesDerived

YearCurrent Ratio
20251.88

Derived from filed accounts. Not audited figures.