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Competent Adviser Limited

04691368

active
Private Limited Company
Companies House
Health Score
71 / 100

Some Concerns

25/30
Filing
10/30
Financial
36/40
Risk
  • No accounts filed in last 18 months (-5)
  • Current liabilities exceed current assets (-10)
  • 2 outstanding charges (-4)

Details

FINTEL HOUSE, HUDDERSFIELD, HD1 6NA
Incorporated 10/03/2003

Compliance

Accounts

Up to date

Confirmation statement

Up to date

Industry

58290
Other software publishing

Officers

Mr David Thompson

director · Since 14/07/2023

CFO

BRITISH · SCOTLAND · Age 49

Also on 42 other boards

Mr Russell Adrian Naglis

secretary · Since 09/05/2025

Mr Matthew Lloyd Timmins

director · Since 09/05/2025

COMPANY DIRECTOR

BRITISH · ENGLAND · Age 47

Also on 36 other boards

Mr Duncan John Andrew Milliken

director · Since 30/06/2025

DIRECTOR

BRITISH · ENGLAND · Age 51

Also on 11 other boards

Persons with Significant Control

Fintel Iq Limited

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

Fintel House, St. Andrews Road, Huddersfield, HD1 6NA

Reg: 14521660 · Registrar Of Companies (Companies House) · Private Company Limited By Shares

Notified 14/07/2023

Former PSCs

Miss Gillian Wendy Tait

Ceased 14/07/2023

Mr Chris Heard

Ceased 14/07/2023

Charges2 outstanding

Charge
outstanding

NATIONAL WESTMINSTER BANK PLC (AS SECURITY AGENT)

Created 23/07/2025Registered 29/07/2025
Charge
outstanding

NATIONAL WESTMINSTER BANK PLC (AS SECURITY AGENT)

Created 29/09/2023Registered 03/10/2023
Charge
satisfied

HSBC BANK PLC

Created 25/04/2017Registered 27/04/2017Satisfied 22/06/2023

CompanyRankvs 41+ SIC 58290 peers
79

Financial strength98th percentile among SIC peers · 25/25
Employees94th percentile among SIC peers · 14/15
LiquidityCurrent ratio 10.43× · 20/20
Longevity15 years trading (max 15) · 15/15
Filing complianceAll filings up to date · 15/15
Outstanding charges -10
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How is this score calculated?
Financial strength25/25 pts

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

Employees14/15 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.

Risk deductions

Outstanding charges: -10 pts

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

Key FinancialsYear ending 31/03/2023

Net Worth

£1.5M

Balance sheet strength

Cash

£899k

Cash in the bank

Net Current Assets

£913k

Working capital

Current Assets

£1.0M

Current Liabilities

£97k

Fixed Assets

£563k

Debtors

£111k

6avg. employees+1

Tax at Year End

Corp tax£21k

Balance Sheet

Intangible assets£562k
Assets less current liabilities£1.5M
Prepared with IRIS Accounts Production

EstimatesDerived

YearCurrent RatioImplied Profit
202310.43+£217k
202212.04+£264k
20218.08+£230k
20206.95+£110k
20193.88—

Derived from filed accounts. Not audited figures.