Company Overview
T W Financial Planning Ltd is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Tuesday 19 March 2002, so this is a well established company. T W Financial Planning Ltd has been in business for 24 years. The accounts status is total exemption full and the accounts are next due on Wednesday 31 December 2025.
Registered Address

13-19 Derby Road, Nottingham, NG1 5AA
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Companies House Data
Company NameT W FINANCIAL PLANNING LTD
Company Number04398439
Registered Office Address13-19 Derby Road
 NG1 5AA
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date19/03/2002
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 Date16/04/2017
Returns Last Made Up Date19/03/2016
Directors & Members
Show Resigned
David Kelly - Director
(British, 48 years old, born November 1978)
Appointed 12 June 2024
 Active
Secretaries
Show Resigned
Other Company Directorships
David Kelly
ACTIVE WEALTH MANAGEMENT LIMITED
ASPECTS FINANCIAL LTD
BMMG HOLDINGS LIMITED
BOOKEEPING ADMINISTRATION SERVICES LIMITED
BPM HOLDINGS (2015) LIMITED
BROADWAY FINANCIAL PLANNING LTD
BRUNSDON FINANCIAL SERVICES HOLDINGS LIMITED
BRUNSDON FINANCIAL SERVICES LIMITED
CITY FINANCIAL (ABERDEEN) HOLDINGS LIMITED
CITY FINANCIAL (ABERDEEN) LIMITED
D A OWEN FINANCIAL SERVICES LIMITED
ENSCO 1084 LIMITED
ENSCO FINANCIAL PLANNING LIMITED
EVANS HART LIMITED
HOWE MAXTED GROUP LIMITED
IN FOCUS ASSET MANAGEMENT AND TAX SOLUTIONS LIMITED
INFOCUS SOLUTIONS LIMITED
INVESTMENT CHOICES WEALTH MANAGEMENT LTD
JLS ASSOCIATES INDEPENDENT FINANCIAL ADVISERS LIMITED
JOHN MCNULTY WEALTH MANAGEMENT LIMITED
KEITH STOCKDALE AND COMPANY LIMITED
KINGSWOOD CONSULTANTS LIMITED
LAW ELLIS WEALTH MANAGEMENT LIMITED
MACKENZIE TAYLOR ASSET MANAGEMENT LIMITED
MAXTED MORRISON & CO. LIMITED
MESSER & MATTHEWS LIMITED
QUATTRO WEALTH LIMITED
ROBSON CAVE & ASSOCIATES LIMITED
ROTHESAY INTELLIGENT FINANCIAL SERVICES LTD
SENTINEL PRIVATE CLIENTS LIMITED
STOCK A M LTD
WESTMINCO LIMITED
WREN STERLING EBT LIMITED
WREN STERLING FINANCIAL PLANNING LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2023 31-Mar-2022
Balance Sheet
Fixed Assets 5,072 5,072 6,715
Current Assets 441,171 441,171 655,957
Creditors Due Within One Year 226,507 226,507 433,549
Working Cap 214,664 214,664 222,408
Total Assets Less Current Liabilities 219,736 219,736 229,123
Long-term Liabilities 25,693 25,693 35,385
Net Assets 194,043 194,043 193,738
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 194,043 194,043 193,738
Common Size Financial Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2023 31-Mar-2022
Tangible Fixed Assets - - -
Fixed Assets 1.1% 1.1% 1.0%
Stocks Inventory - - -
Debtors 78.0% 78.0% 41.2%
Cash Bank In Hand 20.8% 20.8% 57.8%
Current Assets 98.9% 98.9% 99.0%
Creditors Due Within One Year 50.8% 50.8% 65.4%
Net Current Assets Liabilities 48.1% 48.1% 33.6%
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 43.5% 43.5% 29.2%
Capital Employed - - -
Total Assets Less Current Liabilities 49.2% 49.2% 34.6%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2023 31-Mar-2022
Liquidity Ratio 1.9 1.9 1.5
Solvency Ratio 1.8 1.8 1.4
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-Mar-2025 31-Mar-2023 31-Mar-2022
Assets 446,243 446,243 662,672
Debt 252,200 252,200 468,934
Net Assets/Debt 194,043 194,043 193,738

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. 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 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.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. 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 NG1 5AA
THE ALBERT HALL (NOTTINGHAM) LIMITED
NORTH CIRCUS STREET, OFF DERBY ROAD, NOTTINGHAM, NG1 5AA
Document Filings
Confirmation statement made on 19 March 2026 with updates
Confirmation statement made on 19 March 2025 with updates
Termination of appointment of Andrew John Moss as a director on 12 June 2024
Appointment of Mr David William Kelly as a director on 12 June 2024
Resolutions
Memorandum and Articles of Association
Change of share class name or designation
Change of share class name or designation
Confirmation statement made on 19 March 2024 with updates
Notification of Wren Sterling Financial Planning Limited as a person with significant control on 21 February 2024
Cessation of Richard Lawrence Thompson as a person with significant control on 21 February 2024
Termination of appointment of Richard Lawrence Thompson as a director on 20 February 2024
Termination of appointment of David Wright as a director on 20 February 2024
Termination of appointment of Stuart David Maddocks as a director on 20 February 2024
Termination of appointment of Christopher Peter Devey as a director on 20 February 2024
Appointment of Mr Andrew John Moss as a director on 20 February 2024
Registered office address changed from Ebenezer House, Ryecroft Newcastle Under Lyme Staffordshire ST5 2BE to 13-19 Derby Road Nottingham NG1 5AA on 22 February 2024
Notification of Richard Lawrence Thompson as a person with significant control on 31 October 2023
Withdrawal of a person with significant control statement on 22 December 2023
Confirmation statement made on 19 March 2023 with updates
Confirmation statement made on 19 March 2022 with updates
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