Company Overview
Character Financial Services Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Friday 11 November 1988, so this is a well established company. Character Financial Services Limited has been in business for 37 years and 5 months. The accounts status is total exemption full and the accounts are next due on Wednesday 31 December 2025.
Registered Address

Winterton House, High Street, Westerham, Kent, TN16 1AT
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Companies House Data
Company NameCHARACTER FINANCIAL SERVICES LIMITED
Company Number02316414
Registered Office AddressWinterton House
 High Street
 TN16 1AT
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date11/11/1988
Accounting Reference Date Day31
Accounting Reference Date Month3
Accounts Next Due Date31/12/2026
Accounts Last Made Up Date31/03/2025
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date12/06/2017
Returns Last Made Up Date15/05/2016
Previous Company NameChanged Date
COBRA FINANCIAL SERVICES LIMITED05 Jun 2019
BKG FINANCIAL SERVICES LIMITED20 Jan 2006
Directors & Members
Show Resigned
Paul Blakeney - Director
(British, 44 years old, born September 1982)
Appointed 01 August 2024
 Active
Secretaries
Show Resigned
Other Company Directorships
Paul Blakeney
PB WEALTH LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2012 31-Mar-2011
Balance Sheet
Fixed Assets 252,291 252,291 287,109
Current Assets 712,914 712,914 594,233
Creditors Due Within One Year 724,088 724,088 567,872
Working Cap -11,174 -11,174 26,361
Total Assets Less Current Liabilities 241,117 241,117 313,470
Long-term Liabilities 17,245 17,245 32,409
Net Assets 223,872 223,872 281,061
Share Capital & Reserves
Share Cap 70,447 70,447 70,447
Profit & Loss Reserves 127,872 127,872 185,061
Other Reserves 25,553 25,553 25,553
Shareholders Funds 223,872 223,872 281,061
Common Size Financial Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2012 31-Mar-2011
Tangible Fixed Assets - - -
Fixed Assets 26.1% 26.1% 32.6%
Stocks Inventory 0.0% 0.0% 0.0%
Debtors 70.1% 70.1% 61.1%
Cash Bank In Hand 3.3% 3.3% 6.3%
Current Assets 73.9% 73.9% 67.4%
Creditors Due Within One Year 75.0% 75.0% 64.4%
Net Current Assets Liabilities -1.2% -1.2% 3.0%
Creditors Due After One Year 1.8% 1.8% 3.7%
Accruals Deferred Income - - -
Provisions For Liabilities Charges - - -
Net Assets Liabilities Including Pension Asset Liability 23.2% 23.2% 31.9%
Called Up Share Capital 7.3% 7.3% 8.0%
Share Capital Allotted Called Up Paid 7.3% 7.3% 8.0%
Profit Loss Account Reserve 13.2% 13.2% 21.0%
Shareholder Funds 23.2% 23.2% 31.9%
Capital Employed - - -
Total Assets Less Current Liabilities 25.0% 25.0% 35.6%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2012 31-Mar-2011
Liquidity Ratio 1.0 1.0 1.0
Solvency Ratio 1.3 1.3 1.5
Reserves to Assets 0.1 0.1 0.2
Secured Creditors Unlock full report
Mortgages Charges 7
Mortgages Outstanding 0
Mortgages Part Satisfied 0
Mortgages Satisfied 7
Assets and Debt Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2012 31-Mar-2011
Assets 965,205 965,205 881,342
Debt 741,333 741,333 600,281
Net Assets/Debt 223,872 223,872 281,061

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.

As at the balance sheet date current liquid assets were slightly less than short term debt. We would normally view a company broadly neutrally for this. Total reserves including retained profitability and movement in reserves has some deficiency. The amount of net assets suggests sufficient cover for total debts and obligations for the size of the company inferred by the balance sheet.

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.As at the balance sheet date current liquid assets were slightly less than short term debt. We would normally view a company broadly neutrally for this. Total reserves including retained profitability and movement in reserves has some deficiency. The amount of net assets suggests sufficient cover for total debts and obligations for the size of the company inferred by the balance sheet.   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.As at the balance sheet date current liquid assets were slightly less than short term debt. We would normally view a company broadly neutrally for this. Total reserves including retained profitability and movement in reserves has some deficiency. The amount of net assets suggests sufficient cover for total debts and obligations for the size of the company inferred by the balance sheet.

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 TN16 1AT
No other companies found in the same location
Document Filings
Resolutions
Statement by Directors
Solvency Statement dated 18/02/26
Resolutions
Cancellation of shares. Statement of capital on 18 February 2026
Registered office address changed from Winterton House High Street Westerham TN16 1AJ England to Winterton House High Street Westerham Kent TN16 1AT on 23 February 2026
Change of details for Character Investements Ltd as a person with significant control on 1 February 2026
Confirmation statement made on 15 May 2025 with updates
Termination of appointment of Lee Grant Wallis as a director on 31 March 2025
Termination of appointment of Stephen Mark Burrows as a director on 1 February 2025
Termination of appointment of David George Edward Stanley as a director on 1 February 2025
Appointment of Mr Paul Blakeney as a director on 1 August 2024
Confirmation statement made on 15 May 2024 with no updates
Confirmation statement made on 15 May 2023 with updates
Confirmation statement made on 15 May 2022 with updates
Termination of appointment of Alan David Malyon as a director on 29 October 2021
Confirmation statement made on 15 May 2021 with no updates
Registered office address changed from 40a Bourne House 475 Godstone Road Whyteleafe CR3 0BL England to Winterton House High Street Westerham TN16 1AJ on 30 November 2020
Confirmation statement made on 15 May 2020 with updates
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