Company Overview
Independent Banking Consultants Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Friday 23 June 2000, so this is a well established company. Independent Banking Consultants Limited has been in business for 25 years and 9 months. The accounts status is micro entity and the accounts are next due on Wednesday 30 September 2026.
Registered Address

61-63 St Peters Street, Bedford, Bedfordshire, MK40 2PR
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Companies House Data
Company NameINDEPENDENT BANKING CONSULTANTS LIMITED
Company Number04020542
Registered Office Address61-63 St Peters Street
 Bedford
 MK40 2PR
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date23/06/2000
Accounting Reference Date Day31
Accounting Reference Date Month12
Accounts Next Due Date30/09/2026
Accounts Last Made Up Date31/12/2024
Accounts Account CategoryMICRO ENTITY
Returns Next Due Date21/07/2017
Returns Last Made Up Date23/06/2016
Directors & Members
Show Resigned
Russell Snowdon - Director
(English, 66 years old, born June 1960)
Appointed 23 June 2000
 Active
Secretaries
Show Resigned
Russell Snowdon - Secretary
Appointed 29 June 2012
 Active
Other Company Directorships
Russell Snowdon
BANKING & FINANCE CONSULTANTS LIMITED
BUSINESS & FINANCE CONSULTANTS LTD
BUSINESS BANKING & FINANCE CONSULTANTS LIMITED
BUSINESS BANKING CONSULTANTS LIMITED
IBC FRANCHISING LIMITED
INDEPENDENT CORPORATE BANKING CONSULTANTS LIMITED
INTEGRATED STRATEGIES LIMITED
RCA HOLDINGS LTD
Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Balance Sheet
Fixed Assets 35,143 35,143 35,525
Current Assets 126,684 126,684 130,141
Creditors Due Within One Year 11,319 11,319 4,316
Working Cap 115,365 115,365 125,825
Total Assets Less Current Liabilities 150,508 150,508 161,350
Long-term Liabilities 850 850 850
Net Assets 149,658 149,658 160,500
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 149,658 149,658 160,500
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Tangible Fixed Assets - - -
Fixed Assets 21.7% 21.7% 21.4%
Stocks Inventory - - -
Debtors - - -
Cash Bank In Hand - - -
Current Assets 78.3% 78.3% 78.6%
Creditors Due Within One Year 7.0% 7.0% 2.6%
Net Current Assets Liabilities 71.3% 71.3% 76.0%
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 92.5% 92.5% 96.9%
Capital Employed - - -
Total Assets Less Current Liabilities 93.0% 93.0% 97.4%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Liquidity Ratio 11.2 11.2 30.2
Solvency Ratio 13.3 13.3 32.1
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 0
Mortgages Outstanding 0
Mortgages Part Satisfied 0
Mortgages Satisfied 0
Assets and Debt Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Assets 161,827 161,827 165,666
Debt 12,169 12,169 5,166
Net Assets/Debt 149,658 149,658 160,500

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
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Document Filings
Confirmation statement made on 17 June 2025 with no updates
Change of details for Mr Russell Stewart Snowdon as a person with significant control on 16 June 2025
Director's details changed for Mr Russell Stewart Snowdon on 11 June 2025
Secretary's details changed for Mr Russell Stewart Snowdon on 11 June 2025
Change of details for Mr Russell Stewart Snowdon as a person with significant control on 11 June 2025
Confirmation statement made on 17 June 2024 with no updates
Confirmation statement made on 23 June 2023 with no updates
Confirmation statement made on 23 June 2022 with no updates
Confirmation statement made on 23 June 2021 with no updates
Confirmation statement made on 23 June 2020 with no updates
Confirmation statement made on 23 June 2019 with no updates
Confirmation statement made on 23 June 2018 with no updates
Confirmation statement made on 23 June 2017 with no updates
Notification of Russell Stewart Snowdon as a person with significant control on 23 June 2016
Annual return made up to 23 June 2016 with full list of shareholders
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