Company Overview
Whiting Financial Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Thursday 17 April 2003, so this is a well established company. Whiting Financial Limited has been in business for 22 years and 11 months. The accounts status is micro entity and the accounts are next due on Wednesday 31 December 2025.
Registered Address

1 Vincent Square, London, SW1P 2PN
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Companies House Data
Company NameWHITING FINANCIAL LIMITED
Company Number04737854
Registered Office Address1 Vincent Square
 SW1P 2PN
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date17/04/2003
Accounting Reference Date Day31
Accounting Reference Date Month12
Accounts Next Due Date31/01/2026
Accounts Last Made Up Date30/04/2024
Accounts Account CategoryMICRO ENTITY
Returns Next Due Date15/05/2017
Returns Last Made Up Date17/04/2016
Directors & Members
Show Resigned
Clement Cowley - Director
(British, 41 years old, born December 1985)
Appointed 30 September 2024
 Active
Michael Elworthy - Director
(British, 43 years old, born July 1983)
Appointed 30 September 2024
 Active
Graeme Morrissey - Director
(British, 42 years old, born September 1984)
Appointed 30 September 2024
 Active
Adam Roberts - Director
(British, 44 years old, born November 1982)
Appointed 30 September 2024
 Active
Secretaries
Show Resigned
Other Company Directorships
Clement Cowley
BRIGHT BLUE WEALTH MANAGEMENT LTD
HARRIDGE FINANCIAL SERVICES LIMITED
ISHAM FINANCIAL CENTRE LIMITED
ROBERTS FINANCIAL CONSULTANCY LIMITED
THE PENNY GROUP HOLDINGS LTD
THE PENNY GROUP SURREY LIMITED
TPG HARRIDGE HOLDCO LTD
Michael Elworthy
BRIGHT BLUE WEALTH MANAGEMENT LTD
HARRIDGE FINANCIAL SERVICES LIMITED
ISHAM FINANCIAL CENTRE LIMITED
MIKE ELWORTHY FINANCIAL PLANNING LIMITED
ROBERTS FINANCIAL CONSULTANCY LIMITED
THE PENNY GROUP HOLDINGS LTD
THE PENNY GROUP LTD
THE PENNY GROUP SURREY LIMITED
TPG HARRIDGE HOLDCO LTD
TREETOPS AND HIGH GATE MANAGEMENT LTD
Graeme Morrissey
203 ST JOHN'S HILL BATTERSEA LIMITED
G & T CONSTRUCTION MANAGEMENT LIMITED
GRAEME MORRISSEY LIMITED
HARRIDGE FINANCIAL SERVICES LIMITED
ISHAM FINANCIAL CENTRE LIMITED
OPENWORK PARTNERSHIP LLP
ROBERTS FINANCIAL CONSULTANCY LIMITED
THE PENNY GROUP HOLDINGS LTD
THE PENNY GROUP LTD
TPG HARRIDGE HOLDCO LTD
VESPA VENTURES LIMITED
Adam Roberts
ROBERTS FINANCIAL CONSULTANCY LIMITED
Balance Sheet Unlock full report
Accounts Date 30-Apr-2024 30-Apr-2022 30-Apr-2021
Balance Sheet
Fixed Assets 30,925 30,925 29,058
Current Assets 325,543 325,543 188,091
Creditors Due Within One Year 123,101 123,101 97,673
Working Cap 202,442 202,442 90,418
Total Assets Less Current Liabilities 233,367 233,367 119,476
Long-term Liabilities 37,934 37,934 46,857
Net Assets 195,433 195,433 72,619
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 195,433 195,433 72,619
Common Size Financial Analysis Unlock full report
Accounts Date 30-Apr-2024 30-Apr-2022 30-Apr-2021
Tangible Fixed Assets - - -
Fixed Assets 8.7% 8.7% 13.4%
Stocks Inventory - - -
Debtors - - -
Cash Bank In Hand - - -
Current Assets 91.3% 91.3% 86.6%
Creditors Due Within One Year 34.5% 34.5% 45.0%
Net Current Assets Liabilities 56.8% 56.8% 41.6%
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 54.8% 54.8% 33.4%
Capital Employed - - -
Total Assets Less Current Liabilities 65.5% 65.5% 55.0%
Financial Ratio Analysis Unlock full report
Accounts Date 30-Apr-2024 30-Apr-2022 30-Apr-2021
Liquidity Ratio 2.6 2.6 1.9
Solvency Ratio 2.2 2.2 1.5
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 3
Mortgages Outstanding 1
Mortgages Part Satisfied 0
Mortgages Satisfied 2
Assets and Debt Analysis Unlock full report
Accounts Date 30-Apr-2024 30-Apr-2022 30-Apr-2021
Assets 356,468 356,468 217,149
Debt 161,035 161,035 144,530
Net Assets/Debt 195,433 195,433 72,619

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 latest accounts are not up-to-date. Later accounts are now overdue. Late filing is not a positive factor. Analysis based on the latest figures available must be taken in the context that the figures are not up-to-date.

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 latest accounts are not up-to-date. Later accounts are now overdue. Late filing is not a positive factor. Analysis based on the latest figures available must be taken in the context that the figures are not up-to-date.   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 latest accounts are not up-to-date. Later accounts are now overdue. Late filing is not a positive factor. Analysis based on the latest figures available must be taken in the context that the figures are not up-to-date.

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
Consolidated accounts of parent company for subsidiary company period ending 31/12/24
Audit exemption statement of guarantee by parent company for period ending 31/12/24
Notice of agreement to exemption from audit of accounts for period ending 31/12/24
Change of details for The Penny Group Ltd as a person with significant control on 19 September 2025
Registered office address changed from 1 Vincent Square London SW1P 2PN United Kingdom to 3rd Floor the Coade 98 Vauxhall Walk London SE11 5EL on 24 October 2025
Audit exemption statement of guarantee by parent company for period ending 31/12/24
Notice of agreement to exemption from audit of accounts for period ending 31/12/24
Memorandum and Articles of Association
Resolutions
Confirmation statement made on 17 April 2025 with updates
Previous accounting period shortened from 30 April 2025 to 31 December 2024
Appointment of Mr Adam David John Roberts as a director on 30 September 2024
Registration of charge 047378540003, created on 30 September 2024
Notification of The Penny Group Ltd as a person with significant control on 30 September 2024
Cessation of Robert Andrew Whiting as a person with significant control on 30 September 2024
Cessation of Heather Whiting as a person with significant control on 30 September 2024
Appointment of Mr Michael Joseph Elworthy as a director on 30 September 2024
Appointment of Mr Clement Edward Cowley as a director on 30 September 2024
Appointment of Mr Graeme Joseph Morrissey as a director on 30 September 2024
Registered office address changed from 1 1 Vincent Square London SW1P 2PN United Kingdom to 1 Vincent Square London SW1P 2PN on 1 October 2024
Termination of appointment of Robert Andrew Whiting as a director on 30 September 2024
Termination of appointment of Heather Whiting as a secretary on 30 September 2024
Registered office address changed from 9 Commerce Road Lynchwood Peterborough Cambridgeshire PE2 6LR United Kingdom to 1 1 Vincent Square London SW1P 2PN on 1 October 2024
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