Company Overview
Financial Advice Centre Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Thursday 25 April 2002, so this is a well established company. Financial Advice Centre Limited has been in business for 23 years and 11 months. The accounts status is unaudited abridged and the accounts are next due on Wednesday 30 September 2026.
Registered Address

7 Sansome Place, Worcester, Worcestershire, WR1 1UG
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Companies House Data
Company NameFINANCIAL ADVICE CENTRE LIMITED
Company Number04425184
Registered Office Address7 Sansome Place
 Worcester
 WR1 1UG
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date25/04/2002
Accounting Reference Date Day31
Accounting Reference Date Month12
Accounts Next Due Date30/09/2026
Accounts Last Made Up Date31/12/2024
Accounts Account CategoryUNAUDITED ABRIDGED
Returns Next Due Date23/05/2017
Returns Last Made Up Date25/04/2016
Directors & Members
Show Resigned
Edward Dalley - Director
(British, 39 years old, born February 1987)
Appointed 19 March 2024
 Active
Piers Mepsted - Director
(British, 59 years old, born October 1967)
Appointed 01 April 2016
 Active
Amy Spencer - Director
(British, 43 years old, born July 1983)
Appointed 01 December 2023
 Active
Secretaries
Show Resigned
Amy Spencer - Secretary
Appointed 14 December 2021
 Active
Other Company Directorships
Edward Dalley
No companies found
Piers Mepsted
P MEPSTED LIMITED
Amy Spencer
No companies found
Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Balance Sheet
Fixed Assets 16,887 16,887 22,181
Current Assets 548,131 548,131 364,377
Creditors Due Within One Year 382,417 382,417 195,702
Working Cap 165,714 165,714 168,675
Total Assets Less Current Liabilities 182,601 182,601 190,856
Long-term Liabilities 3,209 3,209 4,214
Net Assets 179,392 179,392 186,642
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 179,392 179,392 186,642
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Tangible Fixed Assets - - -
Fixed Assets 3.0% 3.0% 5.7%
Stocks Inventory - - -
Debtors 33.0% 33.0% 31.4%
Cash Bank In Hand 64.0% 64.0% 62.8%
Current Assets 97.0% 97.0% 94.3%
Creditors Due Within One Year 67.7% 67.7% 50.6%
Net Current Assets Liabilities 29.3% 29.3% 43.6%
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 31.7% 31.7% 48.3%
Capital Employed - - -
Total Assets Less Current Liabilities 32.3% 32.3% 49.4%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Liquidity Ratio 1.4 1.4 1.9
Solvency Ratio 1.5 1.5 1.9
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 565,018 565,018 386,558
Debt 385,626 385,626 199,916
Net Assets/Debt 179,392 179,392 186,642

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 amount of net assets suggests sufficient cover for total debts and obligations for the size of the company inferred by the balance sheet.

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 amount of net assets suggests sufficient cover for total debts and obligations for the size of the company inferred by the balance sheet.   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 amount of net assets suggests sufficient cover for total debts and obligations for the size of the company inferred by the balance sheet.

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 WR1 1UG
No other companies found in the same location
Document Filings
Confirmation statement made on 19 March 2026 with updates
Change of details for Mr Piers Mepsted as a person with significant control on 1 January 2026
Director's details changed for Mr Piers Mepsted on 1 January 2026
Director's details changed for Mr Piers Mepsted on 20 March 2025
Confirmation statement made on 19 March 2025 with updates
Change of details for Mr Piers Mepsted as a person with significant control on 20 March 2024
Appointment of Mr Edward Frederick Dalley as a director on 19 March 2024
Confirmation statement made on 19 March 2024 with updates
Cessation of Adam John Smith as a person with significant control on 19 March 2024
Appointment of Mrs Amy Caroline Spencer as a director on 1 December 2023
Termination of appointment of Adam John Smith as a director on 2 October 2023
Confirmation statement made on 25 April 2023 with no updates
Confirmation statement made on 25 April 2022 with updates
Secretary's details changed for Mrs Amy Caroline Spencer on 14 February 2022
Statement of capital following an allotment of shares on 14 December 2021
Resolutions
Memorandum and Articles of Association
Appointment of Mrs Amy Caroline Spencer as a secretary on 14 December 2021
Termination of appointment of Leon Jeniec as a secretary on 14 December 2021
Confirmation statement made on 25 April 2021 with updates
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