Company Overview
Laver Wealth Management Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Thursday 07 March 1991, so this is a well established company. Laver Wealth Management Limited has been in business for 35 years and 1 month. The accounts status is small and the accounts are next due on Sunday 31 January 2027.
Registered Address

9 Beaconsfield Road, Weston Super Mare, Somerset, BS23 1YE
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Companies House Data
Company NameLAVER WEALTH MANAGEMENT LIMITED
Company Number02589429
Registered Office Address9 Beaconsfield Road
 BS23 1YE
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date07/03/1991
Accounting Reference Date Day30
Accounting Reference Date Month4
Accounts Next Due Date31/01/2027
Accounts Last Made Up Date30/04/2025
Accounts Account CategorySMALL
Returns Next Due Date28/02/2017
Returns Last Made Up Date31/01/2016
Previous Company NameChanged Date
LAVER FINANCIAL LIMITED06 Feb 2018
Directors & Members
Show Resigned
Derrick Laver - Director
(British, 63 years old, born April 1963)
Appointed 07 March 1991
 Active
Margaret Williams - Director
(British, 85 years old, born February 1941)
Appointed 13 March 2023
 Active
Secretaries
Show Resigned
Margaret Williams - Secretary
(British)
Appointed 14 August 1995
 Active
Other Company Directorships
Derrick Laver
TRUST INHERITANCE LIMITED
Margaret Williams
OXBRIDGEJOBS.COM LIMITED
OXBRIDGELIFE LIMITED
RAINBOW CAPITAL PROPERTY DEVELOPMENTS LIMITED
Balance Sheet Unlock full report
Accounts Date 30-Apr-2025 30-Apr-2023 30-Apr-2022
Balance Sheet
Fixed Assets 449,308 449,308 380,639
Current Assets 457,915 457,915 470,347
Creditors Due Within One Year 152,928 152,928 170,901
Working Cap 304,987 304,987 299,446
Total Assets Less Current Liabilities 754,295 754,295 680,085
Long-term Liabilities 754,195 754,195 679,985
Net Assets 100 100 100
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 100 100 100
Common Size Financial Analysis Unlock full report
Accounts Date 30-Apr-2025 30-Apr-2023 30-Apr-2022
Tangible Fixed Assets - - -
Fixed Assets 49.5% 49.5% 44.7%
Stocks Inventory - - -
Debtors 2.9% 2.9% 3.0%
Cash Bank In Hand 47.6% 47.6% 52.2%
Current Assets 50.5% 50.5% 55.3%
Creditors Due Within One Year 16.9% 16.9% 20.1%
Net Current Assets Liabilities 33.6% 33.6% 35.2%
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 0.0% 0.0% 0.0%
Capital Employed - - -
Total Assets Less Current Liabilities 83.1% 83.1% 79.9%
Financial Ratio Analysis Unlock full report
Accounts Date 30-Apr-2025 30-Apr-2023 30-Apr-2022
Liquidity Ratio 3.0 3.0 2.8
Solvency Ratio 1.0 1.0 1.0
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 1
Mortgages Outstanding 0
Mortgages Part Satisfied 0
Mortgages Satisfied 1
Assets and Debt Analysis Unlock full report
Accounts Date 30-Apr-2025 30-Apr-2023 30-Apr-2022
Assets 907,223 907,223 850,986
Debt 907,123 907,123 850,886
Net Assets/Debt 100 100 100

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. The balance sheet displays a very modest amount of net assets. For the size of the company as inferred by the balance sheet the amount of net assets represents a relatively small margin of cover over 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. The balance sheet displays a very modest amount of net assets. For the size of the company as inferred by the balance sheet the amount of net assets represents a relatively small margin of cover over 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. The balance sheet displays a very modest amount of net assets. For the size of the company as inferred by the balance sheet the amount of net assets represents a relatively small margin of cover over 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
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LAVER FINANCIAL LIMITED
9 BEACONSFIELD ROAD, WESTON-SUPER-MARE, BS23 1YE
LAVER WEALTH LIMITED
9 BEACONSFIELD ROAD, WESTON-SUPER-MARE, BS23 1YE
Document Filings
Termination of appointment of Stephen Charles Hillier as a director on 1 April 2026
Confirmation statement made on 31 January 2026 with no updates
Confirmation statement made on 31 January 2025 with no updates
Confirmation statement made on 31 January 2024 with no updates
Appointment of Margaret Mary Williams as a director on 13 March 2023
Confirmation statement made on 31 January 2023 with no updates
Notification of Derrick Laver as a person with significant control on 6 April 2016
Withdrawal of a person with significant control statement on 16 February 2023
Amended accounts made up to 30 April 2022
Termination of appointment of Margaret Mary Williams as a director on 5 October 2022
Appointment of Mrs Margaret Mary Williams as a director on 25 April 2022
Confirmation statement made on 31 January 2022 with no updates
Satisfaction of charge 1 in full
Confirmation statement made on 31 January 2021 with no updates
Confirmation statement made on 31 January 2020 with no updates
Director's details changed for Derrick Laver on 17 June 2019
Secretary's details changed for Margaret Mary Williams on 17 June 2019
Confirmation statement made on 31 January 2019 with no updates
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