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Financial Concepts Ltd

01818427

active
Private Limited Company
england wales
Companies House
Health Score
70 / 100

Some Concerns

30/30
Filing
0/30
Financial
40/40
Risk
  • Negative net worth (-10)
  • Current liabilities exceed current assets (-10)

Details

O-I BUILDING, FIRST FLOOR, THE WEST WING, HARLOW, CM20 2DB
Incorporated 22/05/1984

Compliance

Last accounts

31/08/2025

micro entity

Next accounts due

31/05/2027

On track

Confirmation statement

Last: 26/09/2025

Due 10/10/2026

On track

Industry

68320
Management of real estate on a fee or contract basis
69202
Bookkeeping activities
82110
Combined office administrative service activities
82990
Other business support service activities

Officers

Mr John Anthony Merriman

director · Since 15/09/2018

DIRECTOR

BRITISH · ENGLAND · Age 79

Mr Richard Macbeth Merriman

director · Since 17/02/2021

COMPANY DIRECTOR

BRITISH · UNITED KINGDOM · Age 42

Persons with Significant Control

Mr John Anthony Merriman

75–100% shares
75–100% votes
Appoint directors

British · England · Age 79

O-I Building, First Floor, The West Wing, Edinburgh Way, Harlow, CM20 2DB

Notified 15/09/2018

Former PSCs

Mr Martin William Evans

Ceased 15/09/2018

CompanyRankvs 13918+ SIC 68320 peers
66

Financial strength17th percentile among SIC peers · 4/25
Employees79th percentile among SIC peers · 12/15
LiquidityCurrent ratio 36.96× · 20/20
Longevity15 years trading (max 15) · 15/15
Filing complianceAll filings up to date · 15/15
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13918Financial Concepts Ltd
66
How is this score calculated?
Financial strength4/25 pts

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

Employees12/15 pts

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

Liquidity20/20 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.

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

Key FinancialsYear ending 31/08/2025

Net Worth

-£2k

Balance sheet strength

Cash

—

Cash in the bank

Net Current Assets

£29k

Working capital

Current Assets

£30k

Current Liabilities

£810

2avg. employees+1

Balance Sheet

Assets less current liabilities£29k
Signed by Mr J Merriman 13th May 2026Prepared with Acorah Software Products - Accounts Production

EstimatesDerived

YearCurrent RatioImplied Profit
202536.96-£18k
202441.50-£7k
202324.86-£8k
20221.40-£117
20211.27+£2k
20200.93+£17k
201929.53-£2k
201810.24—

Derived from filed accounts. Not audited figures.