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Your Personal Finance Ltd

08631247

active
Private Limited Company
Companies House
Health Score
90 / 100

Healthy

30/30
Filing
20/30
Financial
40/40
Risk

No risk factors detected.

Details

122 WHINBUSH ROAD, HITCHIN, SG5 1PN
Incorporated 30/07/2013

Compliance

Accounts

Up to date

Confirmation statement

Up to date

Industry

64999
Other financial service activities

Officers

Mrs Joanne Zeff

director · Since 30/07/2013

DIRECTOR

BRITISH · ISRAEL · Age 52

Also on 1 other board

Persons with Significant Control

Mrs Joanne Zeff

75–100% shares
75–100% votes

British · Israel · Age 52

122, Whinbush Road, Hitchin, SG5 1PN

Notified 06/04/2016

CompanyRankvs 5905+ SIC 64999 peers
68

Financial strength73th percentile among SIC peers · 18/25
Employees16th percentile among SIC peers · 2/15
LiquidityCurrent ratio 2.39× · 20/20
Longevity13 years trading (max 15) · 13/15
Filing complianceAll filings up to date · 15/15
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How is this score calculated?
Financial strength18/25 pts

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

Employees2/15 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.

Longevity13/15 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 31/07/2025

Net Worth

£54k

Balance sheet strength

Cash

£87k

Cash in the bank

Net Current Assets

£54k

Working capital

Current Assets

£93k

Current Liabilities

£39k

Debtors

£7k

0avg. employees

Tax at Year End(2022)

Corp tax£13k
Prepared with Taxfiler

EstimatesDerived

YearCurrent RatioImplied Profit
20252.39-£4k
20242.65+£20k
20231.94+£5k
20222.12-£37k
20213.13

Derived from filed accounts. Not audited figures.