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Real Life Financial Solutions Limited

02435111

active
ltd
england wales
Companies House
Health Score
80 / 100

Healthy

30/30
Filing
10/30
Financial
40/40
Risk
  • Negative net worth (-10)

Details

43 Bridge Road, Grays, RM17 6BU
Incorporated 23/10/1989

Previously known as

Banner Financial Services (Life & Pensions) Limited · until 27/01/2006

Compliance

Last accounts

30/06/2025

micro entity

Next accounts due

31/03/2027

On track

Confirmation statement

Last: 25/11/2025

Due 09/12/2026

On track

Industry

64999
Other financial service activities

Officers

Mr Howard David Tingley

director · Since 23/10/1991

FINANCIAL ADVISER

BRITISH · UNITED KINGDOM · Age 64

Also on 2 other boards

Howard David Tingley

secretary · Since 03/01/2006

FINANCIAL ADVISER

BRITISH · UNITED KINGDOM · Age 64

Also on 2 other boards

Howard David Tingley

director

British · United Kingdom · Age 64

Howard David Tingley

secretary · Since 03/01/2006

British

Former

Timothy Howard Kuvey Pearson

secretary · Resigned 01/10/1993

Geraldine Frances Pizzie

secretary · Resigned 13/11/2000

Laurence Joseph Francis Brooks

secretary · Resigned 03/01/2006

John Richard Jones

director · Resigned 01/01/2010

Persons with Significant Control

Mr Howard David Tingley

75–100% shares
75–100% votes

British · England · Age 64

43, Bridge Road, Grays, RM17 6BU

Notified 25/11/2016

Change History

statusactive
2026-07-24

Active

typeltd
2026-07-24

Private Limited Company

address line143 Bridge Road
2026-07-24

43 BRIDGE ROAD

post townGrays
2026-07-24

GRAYS

officer appointedTINGLEY, Howard David
2026-07-24
officer appointedTINGLEY, Howard David
2026-07-24

CompanyRankvs 18060+ SIC 64999 peers
34

Financial strength9th percentile among SIC peers · 2/25
Employees0th percentile among SIC peers · 0/15
LiquidityCurrent ratio 0.11× · 2/20
Longevity15 years trading (max 15) · 15/15
Filing complianceAll filings up to date · 15/15
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How is this score calculated?
Financial strength2/25 pts

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

Employees0/15 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 30/06/2025

Net Worth

-£6k

Balance sheet strength

Cash

Cash in the bank

Net Current Assets

-£4k

Working capital

Current Assets

£484

Current Liabilities

£4k

Balance Sheet

Assets less current liabilities-£4k
Signed by Mr Howard Tingley 11/02/2026Prepared with Acorah Software Products - Accounts Production

EstimatesDerived

YearCurrent RatioImplied Profit
20250.11+£0
20250.11+£5
20240.08-£1k
20230.13

Derived from filed accounts. Not audited figures.