Company Overview
Jane Smith Financial Planning Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Monday 11 February 2002, so this is a well established company. Jane Smith Financial Planning Limited has been in business for 24 years and 1 month. The accounts status is total exemption full and the accounts are next due on Thursday 31 December 2026.
Registered Address

7 Osier Way, Olney Office Park, Olney, Buckinghamshire, MK46 5FP
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Companies House Data
Company NameJANE SMITH FINANCIAL PLANNING LIMITED
Company Number04371002
Registered Office Address7 Osier Way
 Olney Office Park
 MK46 5FP
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date11/02/2002
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 Date15/03/2017
Returns Last Made Up Date15/02/2016
Directors & Members
Show Resigned
Jane Smith - Director
(British, 77 years old, born April 1949)
Appointed 05 May 2016
 Active
Nicola Watts - Director
(British, 51 years old, born November 1975)
Appointed 31 January 2006
 Active
Secretaries
Show Resigned
Jane Smith - Secretary
Appointed 01 December 2010
 Active
Other Company Directorships
Jane Smith
KSS (COMMUNICATIONS) LIMITED
NETOGO LTD
THE ROTHSAY EDUCATION CENTRE (BEDFORD) LTD.
Nicola Watts
No companies found
Balance Sheet Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2023 31-Mar-2022
Balance Sheet
Fixed Assets 469,313 469,313 497,522
Current Assets 182,766 182,766 173,697
Creditors Due Within One Year 65,746 65,746 61,069
Working Cap 117,020 117,020 112,628
Total Assets Less Current Liabilities 586,333 586,333 610,150
Long-term Liabilities 576,433 576,433 600,250
Net Assets 9,900 9,900 9,900
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 9,900 9,900 9,900
Common Size Financial Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2023 31-Mar-2022
Tangible Fixed Assets - - -
Fixed Assets 72.0% 72.0% 74.1%
Stocks Inventory - - -
Debtors 3.6% 3.6% 7.2%
Cash Bank In Hand 24.5% 24.5% 18.7%
Current Assets 28.0% 28.0% 25.9%
Creditors Due Within One Year 10.1% 10.1% 9.1%
Net Current Assets Liabilities 17.9% 17.9% 16.8%
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 1.5% 1.5% 1.5%
Capital Employed - - -
Total Assets Less Current Liabilities 89.9% 89.9% 90.9%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2023 31-Mar-2022
Liquidity Ratio 2.8 2.8 2.8
Solvency Ratio 1.0 1.0 1.0
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 1
Mortgages Outstanding 1
Mortgages Part Satisfied 0
Mortgages Satisfied 0
Assets and Debt Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2023 31-Mar-2022
Assets 652,079 652,079 671,219
Debt 642,179 642,179 661,319
Net Assets/Debt 9,900 9,900 9,900

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 presents modest net assets. For the size of the company as inferred by the balance sheet the amount of net assets represents a slender 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 presents modest net assets. For the size of the company as inferred by the balance sheet the amount of net assets represents a slender 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 presents modest net assets. For the size of the company as inferred by the balance sheet the amount of net assets represents a slender 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 15 February 2026 with no updates
Satisfaction of charge 043710020001 in full
Confirmation statement made on 15 February 2025 with no updates
Confirmation statement made on 15 February 2024 with no updates
Confirmation statement made on 15 February 2023 with no updates
Confirmation statement made on 15 February 2022 with no updates
Confirmation statement made on 15 February 2021 with no updates
Confirmation statement made on 15 February 2020 with no updates
Confirmation statement made on 15 February 2019 with no updates
Confirmation statement made on 15 February 2018 with no updates
Director's details changed for Mrs Nicola Jane Watts on 23 February 2018
Registration of charge 043710020001, created on 23 June 2017
Confirmation statement made on 15 February 2017 with updates
Appointment of Mrs Jane Eileen Smith as a director on 5 May 2016
Annual return made up to 15 February 2016 with full list of shareholders
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