Company Overview
Financial Link Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Thursday 05 March 1987, so this is a well established company. Financial Link Limited has been in business for 39 years and 1 month. The accounts status is total exemption full and the accounts are next due on Tuesday 29 December 2026.
Registered Address

60 Gunners Rise, Shoeburyness, Southend-On-Sea, SS3 9BY
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Companies House Data
Company NameFINANCIAL LINK LIMITED
Company Number02106689
Registered Office Address60 Gunners Rise
 Shoeburyness
 SS3 9BY
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date05/03/1987
Accounting Reference Date Day29
Accounting Reference Date Month3
Accounts Next Due Date29/12/2026
Accounts Last Made Up Date31/03/2025
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date28/01/2017
Returns Last Made Up Date31/12/2015
Directors & Members
Show Resigned
Phillip Ford - Director
(British, 73 years old, born January 1953)
Secretaries
Show Resigned
Other Company Directorships
Phillip Ford
No companies found
Balance Sheet Unlock full report
Accounts Date 31-Mar-2025 30-Sep-2022 30-Sep-2021
Balance Sheet
Fixed Assets 52,500 52,500 148,812
Current Assets 457,172 457,172 350,648
Creditors Due Within One Year 272,446 272,446 68,854
Working Cap 184,726 184,726 281,794
Total Assets Less Current Liabilities 237,226 237,226 430,606
Long-term Liabilities 5,568 5,568 36,848
Net Assets 231,658 231,658 393,758
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 231,658 231,658 393,758
Common Size Financial Analysis Unlock full report
Accounts Date 31-Mar-2025 30-Sep-2022 30-Sep-2021
Tangible Fixed Assets - - -
Fixed Assets 10.3% 10.3% 29.8%
Stocks Inventory - - -
Debtors 4.5% 4.5% 10.1%
Cash Bank In Hand 85.2% 85.2% 60.1%
Current Assets 89.7% 89.7% 70.2%
Creditors Due Within One Year 53.5% 53.5% 13.8%
Net Current Assets Liabilities 36.2% 36.2% 56.4%
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 45.5% 45.5% 78.8%
Capital Employed - - -
Total Assets Less Current Liabilities 46.5% 46.5% 86.2%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Mar-2025 30-Sep-2022 30-Sep-2021
Liquidity Ratio 1.7 1.7 5.1
Solvency Ratio 1.8 1.8 4.7
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 2
Mortgages Outstanding 0
Mortgages Part Satisfied 0
Mortgages Satisfied 2
Assets and Debt Analysis Unlock full report
Accounts Date 31-Mar-2025 30-Sep-2022 30-Sep-2021
Assets 509,672 509,672 499,460
Debt 278,014 278,014 105,702
Net Assets/Debt 231,658 231,658 393,758

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 SS3 9BY
H2O FINANCIAL SERVICES LIMITED
60 GUNNERS RISE, SHOEBURY GARRISON, ESSEX, SS3 9BY
Document Filings
Registered office address changed from 29 Wayland Avenue Brighton Essex BN1 5LW England to 29 Wayland Avenue Brighton BN1 5LW on 2 June 2025
Registered office address changed from 60 Gunners Rise Shoeburyness Southend-on-Sea SS3 9BY England to 29 Wayland Avenue Brighton Essex BN1 5LW on 23 May 2025
Confirmation statement made on 22 May 2025 with updates
Termination of appointment of Neil Bruce Hurrell as a director on 22 May 2025
Termination of appointment of Michelle Audrey Hurrell as a director on 22 May 2025
Termination of appointment of Richard Michael Hurrell as a secretary on 22 May 2025
Cessation of H2O Financial Services Limited as a person with significant control on 22 May 2025
Notification of Financial Link Investments Limited as a person with significant control on 22 May 2025
Previous accounting period extended from 29 September 2024 to 29 March 2025
Secretary's details changed for Mr Richard Michael Hurrell on 19 April 2024
Confirmation statement made on 19 November 2024 with updates
Confirmation statement made on 19 November 2023 with updates
Cessation of Neil Bruce Hurrell as a person with significant control on 30 December 2022
Notification of H2O Financial Services Limited as a person with significant control on 30 December 2022
Registered office address changed from 29 Wayland Avenue Withdean Brighton East Sussex BN1 5LW to 60 Gunners Rise Shoeburyness Southend-on-Sea SS3 9BY on 11 January 2023
Notification of Neil Bruce Hurrell as a person with significant control on 30 December 2022
Appointment of Mr Richard Michael Hurrell as a secretary on 30 December 2022
Termination of appointment of Janet Mary Ford as a secretary on 30 December 2022
Appointment of Mrs Michelle Audrey Hurrell as a director on 30 December 2022
Appointment of Mr Neil Bruce Hurrell as a director on 30 December 2022
Termination of appointment of Kerrie Monks as a director on 30 December 2022
Termination of appointment of Melanie Jones as a director on 30 December 2022
Termination of appointment of Janet Mary Ford as a director on 30 December 2022
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