Company Overview
J M F Physio Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Wednesday 18 January 2006, so this is a well established company. J M F Physio Limited has been in business for 20 years and 2 months. The accounts status is total exemption full and the accounts are next due on Saturday 24 January 2026.
Registered Address

The Cottage Farmhouse Narr Lodge, Quernmore, Forest Of Bowland, Lancaster, LA2 9EF
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Companies House Data
Company NameJ M F PHYSIO LIMITED
Company Number05679515
Registered Office AddressThe Cottage Farmhouse Narr Lodge
 Quernmore
 LA2 9EF
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date18/01/2006
Accounting Reference Date Day28
Accounting Reference Date Month1
Accounts Next Due Date28/10/2026
Accounts Last Made Up Date31/01/2025
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date15/02/2017
Returns Last Made Up Date18/01/2016
Directors & Members
Show Resigned
Julia Fisher - Director
(British, 69 years old, born June 1957)
Appointed 18 January 2006
 Active
Secretaries
Show Resigned
Other Company Directorships
Julia Fisher
No companies found
Balance Sheet Unlock full report
Accounts Date 31-Jan-2025 31-Jan-2023 31-Jan-2022
Balance Sheet
Fixed Assets 689 689 713
Current Assets 34,878 34,878 47,784
Creditors Due Within One Year 15,368 15,368 16,211
Working Cap 19,510 19,510 31,573
Total Assets Less Current Liabilities 20,199 20,199 32,286
Long-term Liabilities 132 132 135
Net Assets 20,067 20,067 32,151
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 20,067 20,067 32,151
Common Size Financial Analysis Unlock full report
Accounts Date 31-Jan-2025 31-Jan-2023 31-Jan-2022
Tangible Fixed Assets - - -
Fixed Assets 1.9% 1.9% 1.5%
Stocks Inventory - - -
Debtors 2.8% 2.8% 2.1%
Cash Bank In Hand 95.3% 95.3% 96.4%
Current Assets 98.1% 98.1% 98.5%
Creditors Due Within One Year 43.2% 43.2% 33.4%
Net Current Assets Liabilities 54.9% 54.9% 65.1%
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 56.4% 56.4% 66.3%
Capital Employed - - -
Total Assets Less Current Liabilities 56.8% 56.8% 66.6%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Jan-2025 31-Jan-2023 31-Jan-2022
Liquidity Ratio 2.3 2.3 2.9
Solvency Ratio 2.3 2.3 3.0
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-Jan-2025 31-Jan-2023 31-Jan-2022
Assets 35,567 35,567 48,497
Debt 15,500 15,500 16,346
Net Assets/Debt 20,067 20,067 32,151

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 balance sheet presents modest net assets. 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. The balance sheet presents modest net assets. 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. The balance sheet presents modest net assets. 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
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NARR LODGE MANAGEMENT COMPANY LIMITED
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A.E. & R. ROBINSON (LANCASTER) LIMITED
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BOWLAND EDUCATION SUPPORT LIMITED
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Document Filings
Confirmation statement made on 18 January 2026 with no updates
Change of details for Mrs Julia Marie Victoria Fisher as a person with significant control on 20 January 2026
Previous accounting period shortened from 29 January 2025 to 28 January 2025
Confirmation statement made on 18 January 2025 with no updates
Director's details changed for Julia Marie Victoria Fisher on 23 January 2025
Change of details for Mrs Julia Marie Victoria Fisher as a person with significant control on 23 January 2025
Registered office address changed from The Cottage Farmhouse Quernmore Lancaster LA2 9EF England to The Cottage Farmhouse Narr Lodge Quernmore Forest of Bowland Lancaster LA2 9EF on 23 January 2025
Change of details for Mrs Julia Marie Victoria Fisher as a person with significant control on 23 January 2025
Confirmation statement made on 18 January 2024 with no updates
Confirmation statement made on 18 January 2023 with no updates
Previous accounting period shortened from 30 January 2022 to 29 January 2022
Change of details for Mrs Julia Fisher as a person with significant control on 13 May 2022
Confirmation statement made on 18 January 2022 with no updates
Confirmation statement made on 18 January 2021 with no updates
Confirmation statement made on 18 January 2020 with no updates
Confirmation statement made on 18 January 2019 with no updates
Previous accounting period shortened from 31 January 2018 to 30 January 2018
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