Company Overview
Reflect Financial Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Thursday 14 February 2002, so this is a well established company. Reflect Financial Limited has been in business for 24 years and 2 months. The accounts status is audit exemption subsidiary and the accounts are next due on Wednesday 30 September 2026.
Registered Address

St. James's Place House, 1 Tetbury Road, Cirencester, Gloucestershire, GL7 1FP
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Companies House Data
Company NameREFLECT FINANCIAL LIMITED
Company Number04373946
Registered Office AddressSt. James's Place House
 1 Tetbury Road
 GL7 1FP
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date14/02/2002
Accounting Reference Date Day31
Accounting Reference Date Month12
Accounts Next Due Date30/09/2026
Accounts Last Made Up Date31/12/2024
Accounts Account CategoryAUDIT EXEMPTION SUBSIDIARY
Returns Next Due Date14/03/2017
Returns Last Made Up Date14/02/2016
Previous Company NameChanged Date
HALE FINANCIAL SOLUTIONS LTD28 Jul 2020
NOW FINANCIAL SOLUTIONS LIMITED08 Aug 2016
Directors & Members
Show Resigned
Jonathan Claridge - Director
(British, 44 years old, born December 1982)
Appointed 24 July 2020
 Active
Michael Gillibrand - Director
(British, 62 years old, born December 1964)
Appointed 03 September 2020
 Active
St. James's Place Corporate Secretary Limited - Secretary
Appointed 29 April 2016
 Active
Secretaries
Show Resigned
St. James's Place Corporate Secretary Limited - Secretary
Appointed 29 April 2016
 Active
Other Company Directorships
Jonathan Claridge
CHELTENHAM LIDO LIMITED
CHELTENHAM LIDO TRADING LIMITED
EDWARDS WEALTH LTD
FORTURA FINANCIAL PARTNERS LIMITED
FUTURE PROOF LIMITED
IAN COCKBAIN WEALTH MANAGEMENT LIMITED
JEREMY BARRETT LIMITED
LEWINGTON WEALTH MANAGEMENT LIMITED
LUDIAN FINANCIAL PLANNING LIMITED
PORTBURY WEALTH MANAGEMENT LIMITED
THOMPSON PRIVATE CLIENTS LIMITED
Michael Gillibrand
BRIGHT MTD SOLUTIONS LIMITED
CLEVERLY PLANNED LIMITED
PROPERTY FUNDING 2 LIMITED
RICHARD BARNES WEALTH MANAGEMENT LTD
RULE NUMBER ONE LIMITED
Balance Sheet Unlock full report

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Common Size Financial Analysis Unlock full report

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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
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EBITDA Purchase a report to see true comments
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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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