Company Overview
Sterling Financial Consultants Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Wednesday 07 June 2000, so this is a well established company. Sterling Financial Consultants Limited has been in business for 25 years and 9 months. The accounts status is total exemption full and the accounts are next due on Thursday 31 December 2026.
Registered Address

Bramble House, Wickham Road, Fareham, PO16 7JH
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Companies House Data
Company NameSTERLING FINANCIAL CONSULTANTS LIMITED
Company Number04009965
Registered Office AddressBramble House
 Wickham Road
 PO16 7JH
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date07/06/2000
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 Date05/07/2017
Returns Last Made Up Date07/06/2016
Directors & Members
Show Resigned
Dean Banks - Director
(Australian, 53 years old, born May 1973)
Appointed 24 February 2023
 Active
Edward Rosengarten - Director
(British, 58 years old, born February 1968)
Appointed 24 February 2023
 Active
Denise Wilkinson - Director
(British, 58 years old, born July 1968)
Appointed 11 September 2017
 Active
Secretaries
Show Resigned
Other Company Directorships
Dean Banks
No companies found
Edward Rosengarten
KALLISTO PARTNERS LTD
KNIGHTHOOD FINANCIAL ADVISERS LTD
MARTIN DORE LIMITED
METIS TOPCO LIMITED
MWA FINANCE NO1 LTD
MWA FINANCIAL ADVICE LTD
MWA FINANCIAL LTD
MWA FINANCIAL NOMINEES LTD
MWA HOLDINGS LIMITED
SFC EMPLOYEE (HOLDINGS) LIMITED
THORNTONS WEALTH MANAGEMENT LIMITED
Denise Wilkinson
No companies found
Balance Sheet Unlock full report
Accounts Date 31-Mar-2025 31-Oct-2022 31-Oct-2021
Balance Sheet
Fixed Assets - - -
Current Assets - - -
Creditors Due Within One Year - - -
Working Cap 43,690 43,690 42,077
Total Assets Less Current Liabilities - - -
Long-term Liabilities - - -
Net Assets 43,690 43,690 42,077
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 43,690 43,690 42,077
Common Size Financial Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Oct-2022 31-Oct-2021
Tangible Fixed Assets - - -
Fixed Assets - - -
Stocks Inventory - - -
Debtors - - -
Cash Bank In Hand - - -
Current Assets - - -
Creditors Due Within One Year - - -
Net Current Assets Liabilities - - -
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 - - -
Capital Employed - - -
Total Assets Less Current Liabilities - - -
Financial Ratio Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Oct-2022 31-Oct-2021
Liquidity Ratio 43690.0 43690.0 42077.0
Solvency Ratio - - -
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 4
Mortgages Outstanding 3
Mortgages Part Satisfied 0
Mortgages Satisfied 1
Assets and Debt Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Oct-2022 31-Oct-2021
Assets - - -
Debt - - -
Net Assets/Debt 43,690 43,690 42,077

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 appeared positive. We would normally view a company positively for this. The balance sheet presents modest net assets.

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 appeared positive. We would normally view a company positively for this. The balance sheet presents modest net assets.   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 appeared positive. We would normally view a company positively for this. The balance sheet presents modest net assets.

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 22 November 2025 with no updates
Satisfaction of charge 040099650001 in full
Confirmation statement made on 22 November 2024 with no updates
Registration of charge 040099650004, created on 29 November 2024
Current accounting period extended from 31 October 2023 to 31 March 2024
Registered office address changed from The Townhouse 114-116 Fore Street Hertford SG14 1AJ England to Bramble House Wickham Road Fareham PO16 7JH on 10 February 2024
Confirmation statement made on 22 November 2023 with no updates
Registration of charge 040099650003, created on 11 October 2023
Registration of charge 040099650002, created on 11 October 2023
Appointment of Mr Edward Louis Rosengarten as a director on 24 February 2023
Appointment of Mr Dean Campbell Banks as a director on 24 February 2023
Termination of appointment of Michael Owen as a director on 24 February 2023
Termination of appointment of Lauren Sarah Owen as a director on 24 February 2023
Termination of appointment of Sandra Gail Higgins as a director on 24 February 2023
Termination of appointment of Lauren Sarah Owen as a secretary on 24 February 2023
Notification of Mwa Financial Ltd as a person with significant control on 24 February 2023
Cessation of Sfc Employee (Holdings) Limited as a person with significant control on 24 February 2023
Registered office address changed from Sterling Financial Consultants 3rd Floor City Reach 5 Greenwich View Place London E14 9NN to The Townhouse 114-116 Fore Street Hertford SG14 1AJ on 8 March 2023
Resolutions
Termination of appointment of Matthew James Hill as a director on 17 February 2023
Registration of charge 040099650001, created on 24 February 2023
Confirmation statement made on 22 November 2022 with updates
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