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Clarity Financial Advisers Limited

13407079

active
Private Limited Company
Companies House
Health Score
70 / 100

Some Concerns

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

Details

28D CHURCH STREET, WOODBRIDGE, IP12 1DH
Incorporated 18/05/2021

Compliance

Accounts

Up to date

Confirmation statement

Up to date

Industry

66220
Activities of insurance agents and brokers

Officers

Mr Michael Robert Swirles

secretary · Since 28/03/2022

Also on 1 other board

Mr Michael Robert Swirles

director · Since 28/03/2022

FINANCIAL ADVISER

BRITISH · ENGLAND · Age 57

Also on 1 other board

Mr Bradie Lee Grayson

director · Since 01/09/2024

INSURANCE BROKER

BRITISH · ENGLAND · Age 33

Persons with Significant Control

Mr Michael Robert Swirles

25–50% shares
25–50% votes
Appoint directors
significant-influence-or-control-as-firm

British · England · Age 57

28d Church Street, Church Street, Woodbridge, IP12 1DH

Notified 22/03/2022

Mr Bradie Lee Grayson

50–75% shares
50–75% votes
Appoint directors
significant-influence-or-control-as-firm

British · England · Age 33

28d Church Street, Church Street, Woodbridge, IP12 1DH

Notified 05/11/2024

Former PSCs

Miss Emma Jane Southgate

Ceased 01/07/2021

Miss Susan Jane Ridout

Ceased 28/03/2022

CompanyRankvs 5361+ SIC 66220 peers
23

Financial strength7th percentile among SIC peers · 2/25
Employees30th percentile among SIC peers · 5/15
LiquidityCurrent ratio 0.58× · 6/20
Longevity5 years trading (max 15) · 5/15
Filing complianceAll filings up to date · 15/15
Going concern doubt -10
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5361Clarity Financial Advisers Limited
29
How is this score calculated?
Financial strength2/25 pts

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

Employees5/15 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.

Longevity5/15 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

and in accordance with Financial Reporting Standard 102 section 1A Small Entities "The Financial Reporting Standard applicable in the UK and Republic of Ireland" and the Companies Act 2006. 2.2. Going Concern Disclosure The directors have not identified any material uncertainties related to events or conditions that may cast significant doubt about the company's ability to continue as a going

Key FinancialsYear ending 31/05/2025

Net Worth

-£8k

Balance sheet strength

Cash

£566

Cash in the bank

Net Current Assets

-£8k

Working capital

Current Assets

£11k

Current Liabilities

£18k

Debtors

£10k

1avg. employees

Balance Sheet

Assets less current liabilities-£8k
Signed by Mr Bradie Grayson 10th November 2025Prepared with Acorah Software Products - Accounts Production

EstimatesDerived

YearCurrent Ratio
20250.58

Derived from filed accounts. Not audited figures.