Company Overview
Paradigm Norton Financial Planning Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Tuesday 22 May 2001, so this is a well established company. Paradigm Norton Financial Planning Limited has been in business for 24 years and 10 months. The accounts status is full and the accounts are next due on Thursday 31 December 2026.
Registered Address

Paradigm House, Macrae Road Ham Green, Bristol, BS20 0DD
Credit Reports Available

These credit rating reports are available now:


Credit Analysts Report
Get Report >>

Standard Credit Report
Get Report >>

Basic Credit Report
Get Report >>

24/7 credit rating data feed - no UK company credit reports are updated faster

Companies House Data
Company NamePARADIGM NORTON FINANCIAL PLANNING LIMITED
Company Number04220937
Registered Office AddressParadigm House
 Macrae Road Ham Green
 BS20 0DD
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date22/05/2001
Accounting Reference Date Day31
Accounting Reference Date Month3
Accounts Next Due Date31/12/2026
Accounts Last Made Up Date31/03/2025
Accounts Account CategoryFULL
Returns Next Due Date28/06/2017
Returns Last Made Up Date31/05/2016
Directors & Members
Show Resigned
Matthew Fowler - Director
(British, 49 years old, born March 1977)
Appointed 01 October 2013
 Active
Philippa Hann - Director
(British, 49 years old, born June 1977)
Appointed 01 April 2023
 Active
Barry Horner - Director
(British, 66 years old, born June 1960)
Appointed 25 June 2001
 Active
David Kelly - Director
(British, 39 years old, born May 1987)
Appointed 01 April 2023
 Active
Caroline Rainbird - Director
(British, 60 years old, born March 1966)
Appointed 29 November 2025
 Active
Secretaries
Show Resigned
Jayne Phan - Secretary
Appointed 18 September 2024
 Active
Other Company Directorships
Matthew Fowler
BRISTOL VINEYARD
CLOVER FINANCIAL PLANNING LIMITED
PARADIGM NORTON 2014 LIMITED
PARADIGM NORTON HOLDINGS LIMITED
THE RED HOUSE CONSULTING LIMITED
TOWER HILL ASSOCIATES LIMITED
TRH (HOLDINGS) LIMITED
Philippa Hann
CLOVER FINANCIAL PLANNING LIMITED
FINTECH WEST LTD
NICHOLLS STEVENS (FINANCIAL SERVICES) LIMITED
PARADIGM FINANCIAL PLANNING LIMITED
PARADIGM NORTON HOLDINGS LIMITED
PHILIPPA HANN CONSULTING LIMITED
WOLLEN MICHELMORE FINANCIAL PLANNING LIMITED
Barry Horner
CLOVER FINANCIAL PLANNING LIMITED
DAVID JONES FINANCIAL PLANNING LIMITED
DEKI LIMITED
EDEN OFFICE PARK MANAGEMENT COMPANY LIMITED
NORTON PARTNERS CONSULTANCY LIMITED
OLD FPSB (UK) LIMITED
PARADIGM FINANCIAL PLANNING LIMITED
PARADIGM NORTON 2014 LIMITED
PARADIGM NORTON EMPLOYEE OWNERSHIP TRUSTEE LIMITED
PARADIGM NORTON HOLDINGS LIMITED
PHILANTHROPY IMPACT
QC 30 (BRISTOL) MANAGEMENT LIMITED
TALKING MONEY
THE ASSOCIATION OF FAMILY BUSINESS ADVISORS
THE INSTITUTE OF FINANCIAL PLANNING LIMITED
THE RED HOUSE CONSULTING LIMITED
TOWER HILL ASSOCIATES LIMITED
TRH (HOLDINGS) LIMITED
WOLLEN MICHELMORE FINANCIAL PLANNING LIMITED
David Kelly
ALASTAIR SAWDAY PUBLISHING CO. LTD
BATH DIGITAL FESTIVAL HOLDINGS CIC
CANNED WINE COMPANY LTD
CITEAB LIMITED
COFOREST LIMITED
HEARTWOOD CONSULTING LIMITED
MENTORING PLUS BATH AND NORTH EAST SOMERSET LTD
PARADIGM NORTON HOLDINGS LIMITED
STORM CONSULTANCY (EU) LTD
THE BATH BRIDGE CIC
THE GATHER GROUP LIMITED
Caroline Rainbird
FINANCIAL SERVICES COMPENSATION SCHEME LIMITED
FINANCIAL SERVICES SKILLS COMMISSION LIMITED
MODULR FS LIMITED
NATWEST PENSION TRUSTEE LIMITED
PARADIGM FINANCIAL PLANNING LIMITED
PARADIGM NORTON HOLDINGS LIMITED
PORTSMOUTH HISTORIC DOCKYARD
Balance Sheet Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2014 31-Mar-2013
Balance Sheet
Fixed Assets 3,787,919 3,787,919 2,741,036
Current Assets 546,710 546,710 686,870
Creditors Due Within One Year 678,698 678,698 457,117
Working Cap -131,988 -131,988 229,753
Total Assets Less Current Liabilities 3,655,931 3,655,931 2,970,789
Long-term Liabilities 2,005,036 2,005,036 1,891,395
Net Assets 1,650,895 1,650,895 1,079,394
Share Capital & Reserves
Share Cap 50,000 50,000 50,000
Profit & Loss Reserves 1,600,895 1,600,895 1,029,394
Other Reserves 0 0 0
Shareholders Funds 1,650,895 1,650,895 1,079,394
Common Size Financial Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2014 31-Mar-2013
Tangible Fixed Assets - - -
Fixed Assets 87.4% 87.4% 80.0%
Stocks Inventory 2.0% 2.0% 1.4%
Debtors 7.5% 7.5% 9.0%
Cash Bank In Hand 2.3% 2.3% 8.7%
Current Assets 12.6% 12.6% 20.0%
Creditors Due Within One Year 15.7% 15.7% 13.3%
Net Current Assets Liabilities -3.0% -3.0% 6.7%
Creditors Due After One Year 46.3% 46.3% 55.2%
Accruals Deferred Income - - -
Provisions For Liabilities Charges - - -
Net Assets Liabilities Including Pension Asset Liability 38.1% 38.1% 31.5%
Called Up Share Capital 1.2% 1.2% 1.5%
Share Capital Allotted Called Up Paid 1.2% 1.2% 1.5%
Profit Loss Account Reserve 36.9% 36.9% 30.0%
Shareholder Funds 38.1% 38.1% 31.5%
Capital Employed - - -
Total Assets Less Current Liabilities 84.3% 84.3% 86.7%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2014 31-Mar-2013
Liquidity Ratio 0.8 0.8 1.5
Solvency Ratio 1.6 1.6 1.5
Reserves to Assets 0.4 0.4 0.3
Secured Creditors Unlock full report
Mortgages Charges 8
Mortgages Outstanding 2
Mortgages Part Satisfied 0
Mortgages Satisfied 6
Assets and Debt Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2014 31-Mar-2013
Assets 4,334,629 4,334,629 3,427,906
Debt 2,683,734 2,683,734 2,348,512
Net Assets/Debt 1,650,895 1,650,895 1,079,394

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 short term liquid assets were less than current debt. We would normally view this in the context of other profitability and solvency indicators. Total reserves including retained profitability and movement in reserves appeared positive. We would normally view a company positively for this. 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.As at the balance sheet date short term liquid assets were less than current debt. We would normally view this in the context of other profitability and solvency indicators. Total reserves including retained profitability and movement in reserves appeared positive. We would normally view a company positively for this. 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.As at the balance sheet date short term liquid assets were less than current debt. We would normally view this in the context of other profitability and solvency indicators. Total reserves including retained profitability and movement in reserves appeared positive. We would normally view a company positively for this. 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
Other Business around BS20 0DD
KNOELL UK HOLDINGS LIMITED
Bath House, 6 - 8 Bath Street, Bristol, BS20 0DD
CHANNEL COMMS LTD
GLEBE FARM DOWN STREET, DUMMER, BASINGSTOKE, BS20 0DD
MEBOID LTD
1ST FLOOR 61 MACRAE ROAD, EDEN OFFICE PARK, HAM GREEN, BRISTOL, BS20 0DD
TONUS EUROPE LIMITED
74 Macrae Road, Ham Green, Bristol, BS20 0DD
HALLADAY CONSULTING LTD
Eden Business Park 61 Macrae Road, 1st Floor, Ham Green, Bristol, BS20 0DD
D&G HEATING & PROPERTY MAINTENANCE LIMITED
SUITE 1 LIBERTY HOUSE, SOUTH LIBERTY LANE, BRISTOL, BS20 0DD
120 LIMITED
74 MACRAE ROAD, HAM GREEN, BRISTOL, BS20 0DD
SUN AGILE SOFTWARE LTD
Queens Court, Wilmslow Road, Alderley Edge, BS20 0DD
EBREAD LTD
Paradigm House, Macrae Road, Ham Green, Bristol, BS20 0DD
PALACE STUDIO LTD
1st Floor 61 Macrae Road, Eden Business Park, Ham Green, Bristol, BS20 0DD
Document Filings
Director's details changed for Mr Matthew Paul Fowler on 1 December 2022
Director's details changed for Mr Matthew Paul Fowler on 1 December 2022
Director's details changed for Mr Matthew Paul Fowler on 1 December 2022
Appointment of Mrs Caroline Mary Anne Rainbird as a director on 29 November 2025
Director's details changed for Ms Philippa Ann Hann on 1 April 2025
Termination of appointment of William John Pratt as a director on 30 September 2025
Confirmation statement made on 26 May 2025 with no updates
Termination of appointment of Ruth Eileen Sturkey as a director on 31 March 2025
Appointment of Ms Jayne Phan as a secretary on 18 September 2024
Termination of appointment of John Peter Bigwood as a secretary on 9 September 2024
Confirmation statement made on 26 May 2024 with no updates
Satisfaction of charge 7 in full
Satisfaction of charge 2 in full
Satisfaction of charge 6 in full
Registration of charge 042209370008, created on 13 March 2024
Satisfaction of charge 3 in full
Satisfaction of charge 4 in full
Satisfaction of charge 5 in full
Confirmation statement made on 26 May 2023 with no updates
Director's details changed for Mr David Huw Kelly on 20 April 2023
Director's details changed for Mr William John Pratt on 26 April 2023
Director's details changed for Mr Barry David Horner on 26 April 2023
Terms and Conditions Cancellations Contact Us

In using this service you agree to the Terms and Conditions

© 2026 Check Free