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Reef Financial Ltd

05785897

active
Private Limited Company
england wales
Companies House
Health Score
76 / 100

Some Concerns

30/30
Filing
10/30
Financial
36/40
Risk
  • Current liabilities exceed current assets (-10)
  • 2 outstanding charges (-4)

Details

SHAW WALLACE 43, LONDON, W1U 7LP
Incorporated 19/04/2006

Compliance

Last accounts

31/03/2025

total exemption full

Next accounts due

31/12/2026

On track

Confirmation statement

Last: 18/11/2025

Due 02/12/2026

On track

Industry

64999
Other financial service activities
65110
Life insurance
66190
Other activities auxiliary to financial services

Officers

Mr David Victor Hatton

director · Since 19/04/2006

FINANCIAL ADVISER

BRITISH · ENGLAND · Age 61

Also on 1 other board

Persons with Significant Control

Mr David Victor Hatton

50–75% shares

British · England · Age 61

Shaw Wallace, 43, London, W1U 7LP

Notified 01/08/2016

Charges2 outstanding

charge
outstanding

ROLF WERNER MATTES, SUSANNE MATTES AND DAVID HILARY MATTES

Created 23/06/2009Registered 10/07/2009
charge
outstanding

ROLF WERNER MATTES, SUSANNE MATTES AND DAVID HILARY MATTES

Created 30/06/2006Registered 11/07/2006

CompanyRankvs 2721+ SIC 64999 peers
66

Financial strength78th percentile among SIC peers · 20/25
Employees39th percentile among SIC peers · 6/15
LiquidityCurrent ratio 5.26× · 20/20
Longevity15 years trading (max 15) · 15/15
Filing complianceAll filings up to date · 15/15
Outstanding charges -10
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2721Reef Financial Ltd
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How is this score calculated?
Financial strength20/25 pts

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

Employees6/15 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 31/03/2025

Net Worth

£98k

Balance sheet strength

Cash

£117k

Cash in the bank

Net Current Assets

£98k

Working capital

Current Assets

£121k

Current Liabilities

£23k

Fixed Assets

£1

Debtors

£4k

1avg. employees-1

Tax at Year End

Corp tax£18k

Director Loans

Company owes directors£297

Balance Sheet

Assets less current liabilities£98k
Signed by David Hatton 10/11/2025Prepared with Acorah Software Products - Accounts Production

EstimatesDerived

YearCurrent RatioImplied Profit
20255.26+£8k
20246.88-£3k
20234.37-£447
20226.57+£4k
20214.70+£23k
20204.02+£25k
20192.92—

Derived from filed accounts. Not audited figures.