Back to search

Heron Financial Limited

07694062

active
Private Limited Company
Companies House
Health Score
78 / 100

Some Concerns

30/30
Filing
10/30
Financial
38/40
Risk
  • Current liabilities exceed current assets (-10)
  • 1 outstanding charge (-2)

Details

207 CARDINAL POINT, RICKMANSWORTH, WD3 1RE
Incorporated 05/07/2011

Compliance

Accounts

Up to date

Confirmation statement

Up to date

Industry

66220
Activities of insurance agents and brokers

Officers

Mr Matthew Coulson

director · Since 05/07/2011

DIRECTOR

BRITISH · ENGLAND · Age 39

Mr Peter Christopher Steven Brodnicki

director · Since 08/04/2025

CHIEF EXECUTIVE

BRITISH · ENGLAND · Age 64

Also on 21 other boards

Ms Emilie Nadia Marcelline Burgaud Mccarthy

director · Since 08/04/2025

DIRECTOR

FRENCH · UNITED KINGDOM · Age 45

Also on 13 other boards

Persons with Significant Control

Mr Matthew Richard Coulson

25–50% shares
25–50% votes
Appoint directors

British · United Kingdom · Age 39

207 Cardinal Point, Park Road, Rickmansworth, WD3 1RE

Notified 06/04/2016

Mortgage Advice Bureau Limited

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

Capital House, Pride Place, Derby, DE24 8QR

Reg: 03368205 · Companies House (England And Wales) · Private Limited Company

Notified 30/11/2021

Former PSCs

Mr Warren Russell Harrocks

Ceased 08/04/2025

Charges1 outstanding

Charge
outstanding

METRO BANK PLC

Created 25/10/2023Registered 26/10/2023
Charge
satisfied

HSBC BANK PLC

Created 25/07/2016Registered 28/07/2016Satisfied 08/07/2019

CompanyRankvs 122+ SIC 66220 peers
78

Financial strength93th percentile among SIC peers · 23/25
Employees98th percentile among SIC peers · 15/15
LiquidityCurrent ratio 2.36× · 20/20
Longevity15 years trading (max 15) · 15/15
Filing complianceAll filings up to date · 15/15
Outstanding charges -10
Show leaderboard
1Camberford Law Limited
90
2Devitt Insurance Services Limited
90
3Claims Settlement Agencies Limited
90
4Arag Plc
90
5Ifm Insurance Brokers Ltd
90
6Mark Bates Limited
90
7Club Insure Limited
90
8Caunce O'Hara & Company Limited
90
9Gauntlet Risk Management Limited
90
10Kd Wright Financial Services Limited
90
122Heron Financial Limited
87
How is this score calculated?
Financial strength23/25 pts

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

Employees15/15 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 31/12/2024

Net Worth

£623k

Balance sheet strength

Cash

£267k

Cash in the bank

Net Current Assets

£812k

Working capital

Current Assets

£1.4M

Current Liabilities

£596k

Fixed Assets

£258k

Debtors

£1.1M

Profit After Tax

£559k

31avg. employees+3

Tax at Year End

Corp tax£234k
Dividends paid£597k

Balance Sheet

Intangible assets£203k
Bank loans & overdrafts£17k
Assets less current liabilities£1.1M
Prepared with IRIS Accounts Production

EstimatesDerived

YearCurrent RatioImplied Profit
20242.36-£38k
20232.31+£162k
20223.71+£210k
20212.57+£267k
20201.04—
20190.98—
20181.03—

Derived from filed accounts. Not audited figures.