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Cotswold Independent Financial Services Ltd

08423995

active
ltd
england wales
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

Stanley House 1 Warwick Street, Earlsdon, Coventry, CV5 6ET
Incorporated 28/02/2013

Compliance

Last accounts

28/02/2025

total exemption full

Next accounts due

30/11/2026

On track

Confirmation statement

Last: 17/04/2026

Due 01/05/2027

On track

Industry

64999
Other financial service activities

Officers

Mr Stuart Graeme Startup

director · Since 28/02/2013

FINANCIAL ADVISER

BRITISH · ENGLAND

Also on 6 other boards

Stuart Graeme Startup

director · Since 28/02/2013

British · England

Former

Neil John Yeoman

director · Resigned 01/03/2017

Matthew Quinn

director · Resigned 29/01/2025

Persons with Significant Control

Ssmq Limited

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

Reg: 13671868 · Uk · Uk

Notified 06/04/2022

Former PSCs

Mr Neil John Yeoman

Ceased 01/03/2017

Mr Stuart Graeme Startup

Ceased 06/04/2022

Mr Matthew Quinn

Ceased 06/04/2022

Charges1 outstanding

Charge
outstanding

VERTUS CAPITAL SPV1 LIMITED

Created 07/04/2022Registered 11/04/2022

Change History

status → active
2026-07-26

Active

type → ltd
2026-07-26

Private Limited Company

address line1 → Stanley House 1 Warwick Street
2026-07-26

STANLEY HOUSE 1 WARWICK STREET

post town → Coventry
2026-07-26

COVENTRY

officer appointed → STARTUP, Stuart Graeme
2026-07-26

CompanyRankvs 7775+ SIC 64999 peers
57

Financial strength67th percentile among SIC peers · 17/25
Employees97th percentile among SIC peers · 15/15
LiquidityCurrent ratio 0.72× · 6/20
Longevity14 years trading (max 15) · 14/15
Filing complianceAll filings up to date · 15/15
Outstanding charges -10
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7775Cotswold Independent Financial Services Ltd
62
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.

Employees15/15 pts

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

Liquidity6/20 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.

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 28/02/2026

Net Worth

£31k

Balance sheet strength

Cash

£101k

Cash in the bank

Net Current Assets

-£100k

Working capital

Current Assets

£255k

Current Liabilities

£356k

Fixed Assets

£278k

Debtors

£154k

13avg. employees-1

Tax at Year End

Corp tax£94k

Balance Sheet

Assets less current liabilities£178k
Prepared with IRIS Accounts Production

EstimatesDerived

YearCurrent RatioImplied Profit
20260.72-£62k
20250.82-£15k
20241.23+£251
20231.41—

Derived from filed accounts. Not audited figures.