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Sensible Financial Services Limited

07919478

active
ltd
england wales
Companies House
Health Score
80 / 100

Healthy

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

Details

15 Lower Evingar Road, Whitchurch, RG28 7BX
Incorporated 23/01/2012

Previously known as

Sensible Finance Limited · until 13/02/2012

Compliance

Last accounts

31/03/2026

micro entity

Next accounts due

31/12/2027

On track

Confirmation statement

Last: 09/03/2026

Due 23/03/2027

On track

Industry

96090
Other personal service activities

Officers

Edward James Judd

director · Since 23/01/2012

FINANCIAL MODELLING CONSULTANT

BRITISH · ENGLAND · Age 51

Ms Sarah Ciccolallo

director · Since 02/08/2021

COMMERCIAL DIRECTOR

BRITISH · ENGLAND · Age 54

Also on 1 other board

Edward James Judd

director · Since 23/01/2012

British · England · Age 51

Sarah Ciccolallo

director · Since 02/08/2021

British · England · Age 54

Former

Sarah Ciccolallo

director · Resigned 23/02/2013

Persons with Significant Control

Mr Edward James Judd

25–50% shares

British · England · Age 51

15, Lower Evingar Road, Whitchurch, RG28 7BX

Notified 06/04/2016

Ms Sarah Ciccolallo

25–50% shares

British · England · Age 54

15, Lower Evingar Road, Whitchurch, RG28 7BX

Notified 02/08/2021

Change History

statusactive
2026-06-15

Active

typeltd
2026-06-15

Private Limited Company

address line115 Lower Evingar Road
2026-06-15

15 LOWER EVINGAR ROAD

post townWhitchurch
2026-06-15

WHITCHURCH

officer appointedCICCOLALLO, Sarah
2026-06-15
officer appointedJUDD, Edward James
2026-06-15

CompanyRankvs 6942+ SIC 96090 peers
78

Financial strength90th percentile among SIC peers · 23/25
Employees40th percentile among SIC peers · 6/15
LiquidityCurrent ratio 9.35× · 20/20
Longevity14 years trading (max 15) · 14/15
Filing complianceAll filings up to date · 15/15
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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.

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.

Longevity14/15 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 31/03/2026

Net Worth

£130k

Balance sheet strength

Cash

Cash in the bank

Net Current Assets

£7k

Working capital

Current Assets

£7k

Current Liabilities

£800

Fixed Assets

£431k

1avg. employees

Balance Sheet

Assets less current liabilities£438k
Prepared with Companies House

EstimatesDerived

YearCurrent RatioImplied Profit
20269.35+£28k
202512.57+£34k
20241.01+£5k
20230.26+£8k
20221.75-£15k
202110.57+£6k
20209.63-£26k
20195.65

Derived from filed accounts. Not audited figures.