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Exchange Financial Services Limited

02244411

active
Private Limited Company
england wales
Companies House
Health Score
80 / 100

Healthy

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

Details

MYERSONS CHARTERED ACCOUNTANTS, ORMSKIRK, L39 2BY
Incorporated 15/04/1988

Compliance

Last accounts

31/05/2025

micro entity

Next accounts due

28/02/2027

On track

Confirmation statement

Last: 03/10/2025

Due 17/10/2026

On track

Industry

65110
Life insurance

Officers

Peter Gerard Gradwell

director · Since 31/03/2003

CO DIRECTOR

BRITISH · ENGLAND · Age 70

Also on 3 other boards

Lorraine Joan Gradwell

secretary · Since 01/06/2006

NONE

BRITISH · ENGLAND · Age 68

Also on 2 other boards

Persons with Significant Control

Mr Peter Gerrard Gradwell

50–75% shares
50–75% votes
Appoint directors

British · United Kingdom · Age 70

32 Derby Street, Ormskirk, L39 2BY

Notified 06/04/2016

Mrs Lorraine Joan Gradwell

25–50% shares
25–50% votes

British · United Kingdom · Age 68

32 Derby Street, Ormskirk, L39 2BY

Notified 19/02/2020

CompanyRankvs 800+ SIC 65110 peers
51

Financial strength72th percentile among SIC peers · 18/25
Employees9th percentile among SIC peers · 1/15
LiquidityCurrent ratio 0.32× · 2/20
Longevity15 years trading (max 15) · 15/15
Filing complianceAll filings up to date · 15/15
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51
How is this score calculated?
Financial strength18/25 pts

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

Employees1/15 pts

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

Liquidity2/20 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 31/05/2025

Net Worth

£60k

Balance sheet strength

Cash

—

Cash in the bank

Net Current Assets

-£648k

Working capital

Current Assets

£302k

Current Liabilities

£950k

Fixed Assets

£708k

0avg. employees

Balance Sheet

Assets less current liabilities£60k
Prepared with IRIS Accounts Production

EstimatesDerived

YearCurrent RatioImplied Profit
20250.32+£0
20250.32+£34k
20240.33-£3k
20230.20-£49k
20220.24-£137k
20210.38-£495
20200.36-£88k
20190.45+£20k
20180.43—

Derived from filed accounts. Not audited figures.