Company Overview
Rafter Associates Financial Management Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Thursday 16 January 1986, so this is a well established company. Rafter Associates Financial Management Limited has been in business for 40 years and 2 months. The accounts status is unaudited abridged and the accounts are next due on Tuesday 31 March 2026.
Registered Address

9 Spring Hill Farm Harborough Road, Pitsford, Northampton, NN6 9AA
Credit Reports Available

These credit rating reports are available now:


Credit Analysts Report
Get Report >>

Standard Credit Report
Get Report >>

Basic Credit Report
Get Report >>

24/7 credit rating data feed - no UK company credit reports are updated faster

Companies House Data
Company NameRAFTER ASSOCIATES FINANCIAL MANAGEMENT LIMITED
Company Number01978259
Registered Office Address9 Spring Hill Farm Harborough Road
 Pitsford
 NN6 9AA
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date16/01/1986
Accounting Reference Date Day30
Accounting Reference Date Month6
Accounts Next Due Date31/03/2027
Accounts Last Made Up Date30/06/2025
Accounts Account CategoryUNAUDITED ABRIDGED
Returns Next Due Date16/01/2017
Returns Last Made Up Date19/12/2015
Directors & Members
Show Resigned
James Pulham - Director
(British, 35 years old, born February 1991)
Appointed 20 February 2018
 Active
Neil Rafter - Director
(British, 47 years old, born December 1979)
Appointed 08 January 2009
 Active
Secretaries
Show Resigned
Neil Rafter - Secretary
Appointed 11 March 2010
 Active
Other Company Directorships
James Pulham
No companies found
Neil Rafter
RAFTER WILLS & ESTATE PLANNING LTD
Balance Sheet Unlock full report
Accounts Date 30-Jun-2025 30-Jun-2022 30-Jun-2021
Balance Sheet
Fixed Assets 862,227 862,227 494,361
Current Assets 163,981 163,981 542,419
Creditors Due Within One Year 102,771 102,771 49,439
Working Cap 61,210 61,210 492,980
Total Assets Less Current Liabilities 923,437 923,437 987,341
Long-term Liabilities 0 0 0
Net Assets 923,437 923,437 987,341
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 923,437 923,437 987,341
Common Size Financial Analysis Unlock full report
Accounts Date 30-Jun-2025 30-Jun-2022 30-Jun-2021
Tangible Fixed Assets - - -
Fixed Assets 84.0% 84.0% 47.7%
Stocks Inventory - - -
Debtors 11.5% 11.5% 10.0%
Cash Bank In Hand 4.5% 4.5% 42.3%
Current Assets 16.0% 16.0% 52.3%
Creditors Due Within One Year 10.0% 10.0% 4.8%
Net Current Assets Liabilities 6.0% 6.0% 47.5%
Creditors Due After One Year - - -
Accruals Deferred Income - - -
Provisions For Liabilities Charges - - -
Net Assets Liabilities Including Pension Asset Liability - - -
Called Up Share Capital - - -
Share Capital Allotted Called Up Paid - - -
Profit Loss Account Reserve - - -
Shareholder Funds 90.0% 90.0% 95.2%
Capital Employed - - -
Total Assets Less Current Liabilities 90.0% 90.0% 95.2%
Financial Ratio Analysis Unlock full report
Accounts Date 30-Jun-2025 30-Jun-2022 30-Jun-2021
Liquidity Ratio 1.6 1.6 11.0
Solvency Ratio 10.0 10.0 21.0
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 0
Mortgages Outstanding 0
Mortgages Part Satisfied 0
Mortgages Satisfied 0
Assets and Debt Analysis Unlock full report
Accounts Date 30-Jun-2025 30-Jun-2022 30-Jun-2021
Assets 1,026,208 1,026,208 1,036,780
Debt 102,771 102,771 49,439
Net Assets/Debt 923,437 923,437 987,341

The following is based on the accounts data presented in this report sourced from Companies House, however the company has filed later accounts. Our analysis of the latest account can be viewed by unlocking our full report.

The company balance sheet displays a comfortable surplus of working capital. We would normally view this positively. Total reserves including retained profitability and movement in reserves has some deficiency. For the size of the company inferred by the balance sheet the level of net assets suggests a comfortable level of cover for total debts and obligations.

Unlock full report  The following is based on the accounts data presented in this report sourced from Companies House, however the company has filed later accounts. Our analysis of the latest account can be viewed by unlocking our full report.The company balance sheet displays a comfortable surplus of working capital. We would normally view this positively. Total reserves including retained profitability and movement in reserves has some deficiency. For the size of the company inferred by the balance sheet the level of net assets suggests a comfortable level of cover for total debts and obligations.   The following is based on the accounts data presented in this report sourced from Companies House, however the company has filed later accounts. Our analysis of the latest account can be viewed by unlocking our full report.The company balance sheet displays a comfortable surplus of working capital. We would normally view this positively. Total reserves including retained profitability and movement in reserves has some deficiency. For the size of the company inferred by the balance sheet the level of net assets suggests a comfortable level of cover for total debts and obligations.

This review of public record balance sheet and company status information is presented under the terms of Open Government Licence and is for informational purposes only, is general in nature, and is not intended as an opinion or advice for any specific circumstances. The commentary and the colour band score is not a credit rating or credit risk assessment.

This review does not constitute a full credit rating or credit risk assessment based on the full analysis and credit score algorithms used in our credit reports. A full credit report may also provide information relating to trade payment history and county court or court judgments if any.

Public Record Information Unlock full report
Exact Court Judgements
Period of Months Last 12m 13-24m 25-36m 37-48m 49-60m 61-72m
Number of Exact CCJS X Y Y X X Y
Value of Exact CCJS YXY YK S S X KX
Supplier Credit Limits Unlock full report
Date Sector Notified Amount Terms
XK-SXY XKXYXK SXSKXYXK £X,000 XS XYSKS
SK-SYY SKXYXKYKKY KSXX KKXXYXS £YY,000 YS XYSKS SK YXXSXS
YK-SXY XKXYXYYK SXSXYXK £SX,000 XS XYSKS
Payment Records Unlock full report
Payment Records from it's suppliers' company ledger show how a company is paying its suppliers

Payment Analysis

Total Invoices Paid Before
30 days due		 Paid After
30 days due		 Owing Before
30 days due		 Owing after
30 days due
XYX SX K YX X
Company Valuation Analysis Unlock full report

Going Concern Valuation

The going concern valuations value the company on the basis that it continues to trade without the threat of liquidation for the foreseeable future. These valuations are primarily profit and cashflow based.

Valuations Valuation Measures
Estimated High Value £XSI,000 Retained Profit £YX,000
Estimated Mid Value £YY,000 EBIT £SY,000
Estimated Low Value £X,000 EBITDA £SSX,000

Liquidation Valuation

The liquidaton valuation values the company as if it were to cease trading and assets were subject to rapid disposal to cover liabilities. This valuation is primarily asset based.

Valuations Valuation Measures
Estimated High Value £XY,000 Total Assets £XIX,000
Estimated Mid Value £Y,000 Net Assets £YX,000
Estimated Low Value £S,000 Tangible Equity £SX,000

The above valuations are based on our own algorithms and take no account of many factors that can influence actual valuations realized and should not therefore be assumed to be accurate.
Credit Status Checklist Unlock full report
Business Growth Please purchase a report to see true comments
EBITDA Purchase a report to see true comments
Dividends Please purchase a report to see true comments about this company
Retained Profits Retained Profits for this company
Debt Interest Debt Interest for this company
Cash Flow Cash Flow for this company
CCJs CCJs for this company
Age of Company Age of Company for this company
Solvency Solvency for this company
Secured Creditors Secured Creditors for this company
Ownership Ownership for this company


First Report Score: (0-10) X
Financial Status Guide:
10 Very Strong
9 Strong
8 Very Good
7 Good
6 Above Average
5 Average
4 Below Average
3 Poor
2 Weak
1 Very Weak
0 Critical

Risk Score Trend

Risk Rating Unlock full report

This is the credit risk assessment used by one of the top UK credit reference agencies.

Risk Score (1-100) X
Risk Band Description XXMXMXMX SISX
Risk Assessment Meeting of Creditors
Credit Rating XSKX
Altman Z Score Credit Risk Rating Unlock full report

There have been many bankruptcy predictors developed, however none has been so thoroughly tested and broadly accepted as the Altman Z-Score.

Z Score X
Risk Band XY
Risk Band Description The Z Score is not used for small companies where full accounts are not filed because profit and loss account items are required to calculate the score.

Z Score Bands

1 Low Risk 3.00 and above
2 Caution 2.63 - 2.99
3 Risk of Failure within 2 years 1.24 - 2.62
4 High Probability Failure Below 1.24
Other Business around NN6 9AA
RAFTER WILLS & ESTATE PLANNING LTD
9 SPRING HILL FARM, HARBOROUGH ROAD PITSFORD, NORTHAMPTON, NN6 9AA
RIDERS FOR HEALTH (TRADING) LTD
The Drummonds Harborough Road, Pitsford, Northampton, NN6 9AA
KBR (UK) LIMITED
13 NICHOLSON ROAD, MARSTON, OXFORD, NN6 9AA
NEUROREHABHUB UK LTD
Tollgate Cottage Harborough Road, Pitsford, Northampton, NN6 9AA
Document Filings
Confirmation statement made on 19 December 2025 with no updates
Confirmation statement made on 19 December 2024 with no updates
Confirmation statement made on 19 December 2023 with no updates
Director's details changed for Mr James Rhys Pulham on 20 December 2022
Confirmation statement made on 19 December 2022 with no updates
Confirmation statement made on 19 December 2021 with no updates
Confirmation statement made on 19 December 2020 with updates
Cessation of John Denis Rafter as a person with significant control on 1 August 2019
Notification of Neil Jonathan Rafter as a person with significant control on 1 August 2019
Termination of appointment of John Denis Rafter as a director on 1 August 2019
Confirmation statement made on 19 December 2019 with no updates
Confirmation statement made on 19 December 2018 with no updates
Appointment of Mr James Rhys Pulham as a director on 20 February 2018
Confirmation statement made on 19 December 2017 with no updates
Confirmation statement made on 19 December 2016 with updates
Terms and Conditions Cancellations Contact Us

In using this service you agree to the Terms and Conditions

© 2026 Check Free