Company Overview
Thornton Claverley Independent Financial Advisers Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Thursday 16 December 1999, so this is a well established company. Thornton Claverley Independent Financial Advisers Limited has been in business for 26 years and 3 months. The accounts status is micro entity and the accounts are next due on Saturday 27 December 2025.
Registered Address

1C Newton Court, Penderford Business Park, Wolverhampton, WV9 5HB
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Companies House Data
Company NameTHORNTON CLAVERLEY INDEPENDENT FINANCIAL ADVISERS LIMITED
Company Number03895361
Registered Office Address1c Newton Court
 Penderford Business Park
 WV9 5HB
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date16/12/1999
Accounting Reference Date Day27
Accounting Reference Date Month3
Accounts Next Due Date27/12/2026
Accounts Last Made Up Date27/03/2025
Accounts Account CategoryMICRO ENTITY
Returns Next Due Date13/01/2017
Returns Last Made Up Date16/12/2015
Directors & Members
Show Resigned
Anthony Smith - Director
(British, 65 years old, born October 1961)
Appointed 01 March 2024
 Active
Secretaries
Show Resigned
Emily Murdock - Secretary
Appointed 20 June 2024
 Active
Other Company Directorships
Anthony Smith
ELEVATION ASSOCIATES LIMITED
ELEVATION INTERNATIONAL LIMITED
INNOVATE FINANCIAL SOLUTIONS LIMITED
INTEGRA PUBLISHING LTD
Balance Sheet Unlock full report
Accounts Date 27-Mar-2025 30-Mar-2022 30-Mar-2021
Balance Sheet
Fixed Assets 6,953 6,953 7,413
Current Assets 237,522 237,522 235,904
Creditors Due Within One Year 219,336 219,336 193,479
Working Cap 18,186 18,186 42,425
Total Assets Less Current Liabilities 25,139 25,139 49,838
Long-term Liabilities 5,006 5,006 13,453
Net Assets 20,133 20,133 36,385
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 20,133 20,133 36,385
Common Size Financial Analysis Unlock full report
Accounts Date 27-Mar-2025 30-Mar-2022 30-Mar-2021
Tangible Fixed Assets - - -
Fixed Assets 2.8% 2.8% 3.0%
Stocks Inventory - - -
Debtors - - -
Cash Bank In Hand - - -
Current Assets 97.2% 97.2% 97.0%
Creditors Due Within One Year 89.7% 89.7% 79.5%
Net Current Assets Liabilities 7.4% 7.4% 17.4%
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 8.2% 8.2% 15.0%
Capital Employed - - -
Total Assets Less Current Liabilities 10.3% 10.3% 20.5%
Financial Ratio Analysis Unlock full report
Accounts Date 27-Mar-2025 30-Mar-2022 30-Mar-2021
Liquidity Ratio 1.1 1.1 1.2
Solvency Ratio 1.1 1.1 1.2
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 2
Mortgages Outstanding 2
Mortgages Part Satisfied 0
Mortgages Satisfied 0
Assets and Debt Analysis Unlock full report
Accounts Date 27-Mar-2025 30-Mar-2022 30-Mar-2021
Assets 244,475 244,475 243,317
Debt 224,342 224,342 206,932
Net Assets/Debt 20,133 20,133 36,385

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 current section of the balance sheet has positive working capital. We would normally consider this positively. Total reserves including retained profitability and movement in reserves has some deficiency. The balance sheet presents modest net assets. For the size of the company as inferred by the balance sheet the amount of net assets represents a moderate 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 current section of the balance sheet has positive working capital. We would normally consider this positively. Total reserves including retained profitability and movement in reserves has some deficiency. The balance sheet presents modest net assets. For the size of the company as inferred by the balance sheet the amount of net assets represents a moderate 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 current section of the balance sheet has positive working capital. We would normally consider this positively. Total reserves including retained profitability and movement in reserves has some deficiency. The balance sheet presents modest net assets. For the size of the company as inferred by the balance sheet the amount of net assets represents a moderate 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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Document Filings
Confirmation statement made on 20 January 2026 with no updates
Confirmation statement made on 20 January 2025 with updates
Appointment of Miss Emily Murdock as a secretary on 20 June 2024
Cessation of Christopher Thornton as a person with significant control on 1 March 2024
Notification of Elevation Financial Group Limited as a person with significant control on 1 March 2024
Termination of appointment of Christopher Thornton as a director on 1 March 2024
Termination of appointment of Anita Marie Thornton as a secretary on 1 March 2024
Appointment of Mr Anthony Arthur James Bannard Smith as a director on 1 March 2024
Registration of charge 038953610002, created on 1 March 2024
Confirmation statement made on 20 January 2024 with no updates
Cessation of Anita Marie Thornton as a person with significant control on 21 February 2024
Confirmation statement made on 20 January 2023 with no updates
Previous accounting period shortened from 28 March 2022 to 27 March 2022
Confirmation statement made on 16 December 2021 with no updates
Confirmation statement made on 16 December 2020 with no updates
Confirmation statement made on 16 December 2019 with no updates
Confirmation statement made on 16 December 2018 with no updates
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