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Chameleon Financial Planning Limited

10764814

active
Private Limited Company
Companies House
Health Score
80 / 100

Healthy

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

Details

5A MARSH MILL VILLAGE, THORNTON-CLEVELEYS, FY5 4JZ
Incorporated 11/05/2017

Compliance

Accounts

Up to date

Confirmation statement

Up to date

Industry

64999
Other financial service activities

Officers

Mr Michael Stephen James Lovell

director · Since 08/03/2018

DIRECTOR

BRITISH · UNITED KINGDOM · Age 44

Also on 2 other boards

Mr Christopher Howard

director · Since 06/08/2025

DIRECTOR

BRITISH · ENGLAND · Age 38

Mrs Tracey Lovell

director · Since 21/08/2025

DIRECTOR

BRITISH · ENGLAND · Age 47

Also on 3 other boards

Persons with Significant Control

Avacobs Services Limited

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

5a Marsh Mill Village, Fleetwood Road North, Thornton-Cleveleys, FY5 4JZ

Reg: 11176577 · Limited Company · Limited Company

Notified 28/06/2024

Former PSCs

Mr Mark James Hall

Ceased 17/07/2019

Digwa Group Limited

Ceased 28/06/2024

Jerath Williams Group Limited

Ceased 05/07/2019

Charges0 outstanding

Charge
satisfied

MICHAEL STEPHEN JAMES LOVELL AND WHITEHALL TRUSTEES LIMITED AS TRUSTEES OF THE CHAMELEON FINANC

Created 24/10/2019Registered 25/10/2019Satisfied 02/05/2024

CompanyRankvs 10470+ SIC 64999 peers
55

Financial strength59th percentile among SIC peers · 15/25
Employees90th percentile among SIC peers · 14/15
LiquidityCurrent ratio 0.44× · 2/20
Longevity9 years trading (max 15) · 9/15
Filing complianceAll filings up to date · 15/15
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10470Chameleon Financial Planning Limited
55
How is this score calculated?
Financial strength15/25 pts

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

Employees14/15 pts

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

Liquidity2/20 pts

Current assets ÷ current liabilities. A ratio above 2× earns full marks; between 1–2× scores partially; below 0.5× scores minimal points.

Longevity9/15 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 31/12/2025

Net Worth

£13k

Balance sheet strength

Cash

£2k

Cash in the bank

Net Current Assets

-£155k

Working capital

Current Assets

£121k

Current Liabilities

£277k

Fixed Assets

£246k

Debtors

£120k

5avg. employees+2

Balance Sheet

Intangible assets£243k
Assets less current liabilities£90k
Signed by Mr Michael Lovell 21/09/2026Prepared with Acorah Software Products - Accounts Production

EstimatesDerived

YearCurrent Ratio
20250.44
20241.08
20231.65

Derived from filed accounts. Not audited figures.