Company Overview
Stirling House Financial Services Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Monday 26 April 2004, so this is a well established company. Stirling House Financial Services Limited has been in business for 21 years and 11 months. The accounts status is unaudited abridged and the accounts are next due on Thursday 31 December 2026.
Registered Address

Malvern View Willow End Park Blackmore Park Road, Welland, Malvern, Worcestershire, WR13 6NN
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Companies House Data
Company NameSTIRLING HOUSE FINANCIAL SERVICES LIMITED
Company Number05112844
Registered Office AddressMalvern View Willow End Park Blackmore Park Road
 Welland
 WR13 6NN
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date26/04/2004
Accounting Reference Date Day31
Accounting Reference Date Month3
Accounts Next Due Date31/12/2026
Accounts Last Made Up Date31/03/2025
Accounts Account CategoryUNAUDITED ABRIDGED
Returns Next Due Date24/05/2017
Returns Last Made Up Date26/04/2016
Directors & Members
Show Resigned
Neil Francis - Director
(British, 71 years old, born January 1955)
Appointed 03 October 2014
 Active
Simon Gough - Director
(British, 53 years old, born August 1973)
Appointed 01 July 2011
 Active
Julie Milroy - Director
(British, 59 years old, born May 1967)
Appointed 05 July 2005
 Active
Secretaries
Show Resigned
Julie Milroy - Secretary
Appointed 01 April 2013
 Active
Other Company Directorships
Neil Francis
MAINSTONE ASSET MANAGEMENT LIMITED
STIRLING HOUSE MORTGAGE SERVICES LTD
Simon Gough
INFINITY WEALTH MANAGEMENT (ESTATE PROTECTION) LTD.
NAPIER PLUMBING & HEATING LTD
NEMESIS ADMIN SERVICES LTD
NEMESIS CHESTERFIELD LTD
TCW CREATIVE SERVICES LTD
TRIBES (HAIR & BEAUTY) LIMITED
TROUBLE PROPERTIES LTD
Julie Milroy
MAINSTONE ASSET MANAGEMENT LIMITED
STIRLING HOUSE MORTGAGE SERVICES LTD
Balance Sheet Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2023 31-Mar-2022
Balance Sheet
Fixed Assets 10,901 10,901 12,379
Current Assets 133,160 133,160 138,015
Creditors Due Within One Year 3,612 3,612 9,943
Working Cap 129,548 129,548 128,072
Total Assets Less Current Liabilities 140,449 140,449 140,451
Long-term Liabilities 0 0 0
Net Assets 140,449 140,449 140,451
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 140,449 140,449 140,451
Common Size Financial Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2023 31-Mar-2022
Tangible Fixed Assets - - -
Fixed Assets 7.6% 7.6% 8.2%
Stocks Inventory - - -
Debtors 75.5% 75.5% 42.7%
Cash Bank In Hand 17.0% 17.0% 49.1%
Current Assets 92.4% 92.4% 91.8%
Creditors Due Within One Year 2.5% 2.5% 6.6%
Net Current Assets Liabilities 89.9% 89.9% 85.2%
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 97.5% 97.5% 93.4%
Capital Employed - - -
Total Assets Less Current Liabilities 97.5% 97.5% 93.4%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2023 31-Mar-2022
Liquidity Ratio 36.9 36.9 13.9
Solvency Ratio 39.9 39.9 15.1
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 144,061 144,061 150,394
Debt 3,612 3,612 9,943
Net Assets/Debt 140,449 140,449 140,451

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. 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 has some deficiency. 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 has some deficiency. 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 WR13 6NN
PMT PARTICLE MEASURING TECHNIQUE (GB) LIMITED
WILLOW END PARK, DANEMOOR, MALVERN, WORCESTERSHIRE, WR13 6NN
MAINSTONE ASSET MANAGEMENT LIMITED
MALVERN VIEW WILLOW END PARK, BLACKMORE PARK ROAD, WELLAND, WORCESTERSHIRE, WR13 6NN
SARIK HOBBIES LIMITED
UNIT 8 -12 WILLOW END PARK, BLACKMORE PARK ROAD, MALVERN, WORCESTERSHIRE, WR13 6NN
TRAPLET DISTRIBUTION USA LIMITED
Units 8 - 12 (Sarik Hobbies) Willow End Park, Blackmore Park Road, Welland, Malvern, Worcestershire, WR13 6NN
COUNTRY KITCHENWARE SUPPLIES LIMITED
WILLOW END PARK, BLACKMORE PARK ROAD, MALVERN, WORCESTERSHIRE, WR13 6NN
PMT (GB) LIMITED
UNIT B1 SOUTH, WILLOW END PARK DANEMOOR, MALVERN, WORCESTERSHIRE, WR13 6NN
PIXELLOFT LTD
WILLOW END BLACKMORE PARK ROAD, WELLAND, MALVERN, WORCESTERSHIRE, WR13 6NN
STIRLING HOUSE MORTGAGE SERVICES LTD
Malvern View Willow End Park, Blackmore Park Road, Welland, Worcestershire, WR13 6NN
RAINFALL SIMULATOR LTD
Willow Bank Cottage Blackmoor Road, Welland, Malvern, WR13 6NN
OPEN SPACE BUSINESS CENTRES LIMITED
OPEN SPACE, UPPER INTERFIELDS, MALVERN, WR13 6NN
Document Filings
Confirmation statement made on 22 January 2026 with no updates
Confirmation statement made on 22 January 2025 with no updates
Confirmation statement made on 22 January 2024 with no updates
Confirmation statement made on 22 January 2023 with no updates
Confirmation statement made on 22 January 2022 with no updates
Confirmation statement made on 22 January 2021 with no updates
Notification of Mainstone Asset Management Ltd as a person with significant control on 22 January 2019
Confirmation statement made on 22 January 2020 with no updates
Confirmation statement made on 22 January 2019 with updates
Confirmation statement made on 1 February 2018 with updates
Confirmation statement made on 26 April 2017 with updates
Annual return made up to 26 April 2016 with full list of shareholders
Termination of appointment of Penelope Jayne Francis as a director on 1 September 2015
Annual return made up to 26 April 2015 with full list of shareholders
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