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Fm Finance Ltd

11415496

active
Private Limited Company
Companies House
Health Score
70 / 100

Some Concerns

30/30
Filing
0/30
Financial
40/40
Risk
  • Current liabilities exceed current assets (-10)
  • Going concern doubt noted in accounts (-10)

Details

SUITES 15-16 PURE OFFICES HATHERLEY LANE, CHELTENHAM, GL51 6SH
Incorporated 14/06/2018

Compliance

Accounts

Up to date

Confirmation statement

Up to date

Industry

64999
Other financial service activities

Officers

Roman Loban

director · Since 14/06/2018

ENTREPRENEUR

ESTONIAN · UNITED KINGDOM · Age 44

Persons with Significant Control

Mr. Roman Loban

Significant control

Estonian · England · Age 44

Suites 15-16 Pure Offices, Hatherley Lane, Cheltenham, GL51 6SH

Notified 14/06/2018

Handelshaus Ou

75–100% shares
75–100% votes

Office 5, 7 Pikk Street, Tallinn, 10139

Reg: 12523045 · Centre Of Registers And Information Systems Of Estonian Republic · Private Limited Liability Company

Notified 13/07/2018

Former PSCs

Roman Loban

Ceased 13/07/2018

CompanyRankvs 6349+ SIC 64999 peers
56

Financial strength85th percentile among SIC peers · 21/25
Employees16th percentile among SIC peers · 2/15
LiquidityCurrent ratio 2.2× · 20/20
Longevity8 years trading (max 15) · 8/15
Filing complianceAll filings up to date · 15/15
Going concern doubt -10
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6349Fm Finance Ltd
66
How is this score calculated?
Financial strength21/25 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.

Longevity8/15 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

Going concern doubt: -10 pts

Maximum score is 100. Deductions apply for insolvency history, outstanding charges, going concern doubt, or disqualified officers.

Going Concern Doubt

the directors are aware of certain material uncertainties which may cause doubt on the company's ability to continue as a going concern. At 3 0 June 2025 , the company had ne gative retained earning of £1,580,923 (2024 had a negative retained earnings of £1,296,700) . As the company has the support of its parents, the directors have

Key FinancialsYear ending 30/06/2025

Net Worth

£217k

Balance sheet strength

Cash

£573k

Cash in the bank

Net Current Assets

£783k

Working capital

Current Assets

£1.4M

Current Liabilities

£651k

Fixed Assets

£22k

Debtors

£861k

0avg. employees

Balance Sheet

Intangible assets£0
Assets less current liabilities£806k
Prepared with CCH Software

EstimatesDerived

YearCurrent RatioImplied Profit
20252.20+£0
20252.20-£12k
20241.53-£108k
20232.09-£88k
20221.82+£2k
20217.21—

Derived from filed accounts. Not audited figures.