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Heritage Financial Consultancy Limited

03279341

active
Private Limited Company
Companies House
Health Score
80 / 100

Healthy

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

Details

HERITAGE HOUSE, RADSTOCK, BA3 5EQ
Incorporated 15/11/1996

Compliance

Accounts

Up to date

Confirmation statement

Up to date

Industry

65110
Life insurance

Officers

Mr John Pearson Steele

director · Since 15/11/1996

INSURANCE CONSULTANT

BRITISH · UNITED KINGDOM · Age 63

Also on 1 other board

Tracey Elaine Steele

secretary · Since 06/04/1998

BRITISH · Age 61

Mrs Tracey Elaine Steele

director · Since 30/11/2023

OFFICE MANAGER

BRITISH · UNITED KINGDOM · Age 61

Persons with Significant Control

Mrs Tracey Elaine Steele

Appoint directors

British · United Kingdom · Age 61

The Malthouse, Brewery Lane, Bath, BA3 5EQ

Notified 06/04/2016

Heritage & Co Uk Limited

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

Heritage House, Brewery Lane, Radstock, BA3 5EQ

Reg: 15943092 · England And Wales · Private Limited Company

Notified 01/04/2025

Former PSCs

Mr John Pearson Steele

Ceased 01/04/2025

Charges0 outstanding

Charge
satisfied

LLOYDS BANK PLC

Created 09/07/2020Registered 14/07/2020Satisfied 10/03/2025
Charge
satisfied

METRO BANK PLC

Created 08/06/2016Registered 09/06/2016Satisfied 22/07/2021

CompanyRankvs 320+ SIC 65110 peers
72

Financial strength66th percentile among SIC peers · 17/25
Employees86th percentile among SIC peers · 13/15
LiquidityCurrent ratio 1.06× · 12/20
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 strength17/25 pts

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

Employees13/15 pts

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

Liquidity12/20 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 31/03/2025

Net Worth

£36k

Balance sheet strength

Cash

£24k

Cash in the bank

Net Current Assets

£5k

Working capital

Current Assets

£102k

Current Liabilities

£97k

Fixed Assets

£104k

Debtors

£78k

6avg. employees+1

Balance Sheet

Assets less current liabilities£109k

EstimatesDerived

YearCurrent RatioImplied Profit
20251.06+£30k
20230.88

Derived from filed accounts. Not audited figures.