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The Money Advice Centre Ltd

14186998

active
Private Limited Company
Companies House
Health Score
65 / 100

Some Concerns

25/30
Filing
0/30
Financial
40/40
Risk
  • No accounts filed in last 18 months (-5)
  • Negative net worth (-10)
  • Current liabilities exceed current assets (-10)

Details

7 ST. PETERSGATE, STOCKPORT, SK1 1EB
Incorporated 21/06/2022

Compliance

Accounts

Up to date

Confirmation statement

Up to date

Industry

64999
Other financial service activities

Officers

Mrs Charlotte Louise Garvey

director · Since 21/06/2022

COMPANY DIRECTOR

BRITISH · ENGLAND · Age 43

Also on 5 other boards

Mr Steven James Garvey

director · Since 21/06/2022

COMPANY DIRECTOR

BRITISH · ENGLAND · Age 40

Also on 4 other boards

Mr Michael Hugh Halliwell

director · Since 21/06/2022

COMPANY DIRECTOR

BRITISH · ENGLAND · Age 83

Also on 14 other boards

Mr Michael Sinacola

director · Since 05/06/2025

MANAGING DIRECTOR

BRITISH · ENGLAND · Age 41

Persons with Significant Control

Mr Steven James Garvey

25–50% shares

British · England · Age 40

7, St. Petersgate, Stockport, SK1 1EB

Notified 21/06/2022

Mrs Charlotte Louise Garvey

25–50% shares

British · England · Age 43

7, St. Petersgate, Stockport, SK1 1EB

Notified 22/06/2022

Mr Michael Sinacola

25–50% shares
25–50% votes

British · England · Age 41

7, St. Petersgate, Stockport, SK1 1EB

Notified 01/08/2025

Former PSCs

Mr Steven Garvey

Ceased 10/02/2025

CompanyRankvs 18018+ SIC 64999 peers
35

Financial strength2th percentile among SIC peers · 1/25
Employees86th percentile among SIC peers · 13/15
LiquidityCurrent ratio 0.05× · 2/20
Longevity4 years trading (max 15) · 4/15
Filing complianceAll filings up to date · 15/15
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18018The Money Advice Centre Ltd
35
How is this score calculated?
Financial strength1/25 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.

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.

Longevity4/15 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 31/10/2024

Net Worth

-£273k

Balance sheet strength

Cash

£2k

Cash in the bank

Net Current Assets

-£277k

Working capital

Current Assets

£16k

Current Liabilities

£293k

Fixed Assets

£4k

Debtors

£13k

4avg. employees

Balance Sheet

Assets less current liabilities-£273k
Signed by Mrs Charlotte Garvey 16 July 2025Prepared with Acorah Software Products - Accounts Production

EstimatesDerived

YearCurrent RatioImplied Profit
20240.05-£141k
20230.10—

Derived from filed accounts. Not audited figures.