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Smart Financial Services Ltd

13804298

active
ltd
england wales
Companies House
Confirmation statement overdue
Health Score
60 / 100

Some Concerns

20/30
Filing
0/30
Financial
40/40
Risk
  • Confirmation statement overdue (-10)
  • Negative net worth (-10)
  • Current liabilities exceed current assets (-10)

Details

10 Southernhay West, Exeter, EX1 1JG
Incorporated 16/12/2021

Compliance

Last accounts

30/09/2025

micro entity

Next accounts due

30/06/2027

On track

Confirmation statement

Last: 15/12/2024

Due 29/12/2025

Overdue

Industry

64999
Other financial service activities

Officers

Mr Adam Luke Pike

director · Since 16/12/2021

PROPERTY MANAGER

BRITISH · ENGLAND · Age 36

Mr Douglas Bryan Scott

director · Since 16/12/2021

DIRECTOR

AUSTRALIAN · ENGLAND · Age 37

Also on 7 other boards

Adam Luke Pike

director · Since 16/12/2021

British · England · Age 36

Douglas Bryan Scott

director · Since 16/12/2021

Australian · England · Age 37

Former

Robert James Graves

director · Resigned 24/11/2023

James Mitchell Miles

director · Resigned 29/10/2025

Michael James Tilston

director · Resigned 29/10/2025

Persons with Significant Control

Smart Estate Agent Limited

25–50% shares
25–50% votes

10, Southernhay West, Exeter, EX1 1JG

Reg: 08861723 · Uk Register Of Companies · Private Company Limited By Shares

Notified 16/12/2021

The Mortgage Quarter Ltd

25–50% shares
25–50% votes

23, Richmond Road, Exeter, EX4 4JF

Reg: 11204810 · Uk Register Of Companies · Private Company Limited By Shares

Notified 16/12/2021

Change History

status → active
2026-07-13

Active - Proposal to Strike off

type → ltd
2026-07-13

Private Limited Company

address line1 → 10 Southernhay West
2026-07-13

10 SOUTHERNHAY WEST

post town → Exeter
2026-07-13

EXETER

CompanyRankvs 14008+ SIC 64999 peers
46

Financial strength12th percentile among SIC peers · 3/25
Employees86th percentile among SIC peers · 13/15
LiquidityCurrent ratio 5.55× · 20/20
Longevity5 years trading (max 15) · 5/15
Filing complianceOne filing overdue · 5/15
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14008Smart Financial Services Ltd
45
How is this score calculated?
Financial strength3/25 pts

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

Employees13/15 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.

Longevity5/15 pts

One point per year of operation since incorporation, capped at 15. Older companies have a proven track record.

Filing compliance5/15 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 30/09/2025

Net Worth

-£983

Balance sheet strength

Cash

—

Cash in the bank

Net Current Assets

£20k

Working capital

Current Assets

£22k

Current Liabilities

£4k

4avg. employees

Balance Sheet

Assets less current liabilities£20k
Signed by Mr Michael TILSTON 10/10/2025Prepared with Acorah Software Products - Accounts Production

EstimatesDerived

YearCurrent Ratio
20255.55
20232.49

Derived from filed accounts. Not audited figures.