Company Overview
Smart Financial Planning Ltd is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Friday 08 June 2007, so this is a well established company. Smart Financial Planning Ltd has been in business for 18 years and 9 months. The accounts status is micro entity and the accounts are next due on Tuesday 30 June 2026.
Registered Address

Beehive Lofts, Unit 4.1 Waulk Mill, 51 Bengal Street, Manchester, M4 6LN
Credit Reports Available

These credit rating reports are available now:


Credit Analysts Report
Get Report >>

Standard Credit Report
Get Report >>

Basic Credit Report
Get Report >>

24/7 credit rating data feed - no UK company credit reports are updated faster

Companies House Data
Company NameSMART FINANCIAL PLANNING LTD
Company Number06274060
Registered Office AddressBeehive Lofts, Unit 4.1 Waulk Mill
 51 Bengal Street
 M4 6LN
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date08/06/2007
Accounting Reference Date Day30
Accounting Reference Date Month9
Accounts Next Due Date30/06/2026
Accounts Last Made Up Date30/09/2024
Accounts Account CategoryMICRO ENTITY
Returns Next Due Date06/07/2017
Returns Last Made Up Date08/06/2016
Previous Company NameChanged Date
SMART FINANCIAL PLANNING (UK) LIMITED07 Aug 2008
SMART FINANCIAL PLANNING LIMITED21 Jul 2008
Directors & Members
Show Resigned
Steven Martin - Director
(British, 51 years old, born July 1975)
Appointed 08 June 2007
 Active
Secretaries
Michelle Martin - Secretary
(British)
Appointed 08 June 2007
 Active
Other Company Directorships
Steven Martin
GOLD HILL PROPERTY LLP
SMART WEALTH MANAGEMENT LTD
THE FINANCIAL PLANNING TRAINING ACADEMY LIMITED
Balance Sheet Unlock full report
Accounts Date 30-Sep-2024 30-Sep-2022 30-Sep-2021
Balance Sheet
Fixed Assets 1,188 1,188 0
Current Assets 114,677 114,677 154,288
Creditors Due Within One Year 23,288 23,288 35,270
Working Cap 91,389 91,389 119,018
Total Assets Less Current Liabilities 92,577 92,577 119,018
Long-term Liabilities 4,605 4,605 3,264
Net Assets 87,972 87,972 115,754
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 87,972 87,972 115,754
Common Size Financial Analysis Unlock full report
Accounts Date 30-Sep-2024 30-Sep-2022 30-Sep-2021
Tangible Fixed Assets - - -
Fixed Assets 1.0% 1.0% 0.0%
Stocks Inventory - - -
Debtors - - -
Cash Bank In Hand - - -
Current Assets 99.0% 99.0% 100.0%
Creditors Due Within One Year 20.1% 20.1% 22.9%
Net Current Assets Liabilities 78.9% 78.9% 77.1%
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 75.9% 75.9% 75.0%
Capital Employed - - -
Total Assets Less Current Liabilities 79.9% 79.9% 77.1%
Financial Ratio Analysis Unlock full report
Accounts Date 30-Sep-2024 30-Sep-2022 30-Sep-2021
Liquidity Ratio 4.9 4.9 4.4
Solvency Ratio 4.2 4.2 4.0
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 30-Sep-2024 30-Sep-2022 30-Sep-2021
Assets 115,865 115,865 154,288
Debt 27,893 27,893 38,534
Net Assets/Debt 87,972 87,972 115,754

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
Other Business around M4 6LN
STUDIO 74 ARCHITECTS LIMITED
4TH FLOOR, 47 NEWTON STREET, MANCHESTER, GREATER MANCHESTER, M4 6LN
4HUB C.I.C.
Unit G2 Waulk Mill, 51 Bengal Street, Manchester, M4 6LN
CYPRUS (THREE) LIMITED
Unit 2.3 Waulk Mill, 51 Bengal Street, Manchester, M4 6LN
SHAPING CLOUD LTD
JACTIN HOUSE 24 HOOD STREET, ANCOATS, MANCHESTER, M4 6LN
LOAF CREATIVE LIMITED
COLONY JACTIN HOUSE, 24 HOOD STREET, ANCOATS, MANCHESTER, M4 6LN
WRE (ONE) LIMITED
Unit 2.3 Waulk Mill, 51 Bengal Street, Manchester, M4 6LN
GDCV LIMITED
Waulk Mill 2.2 Bengal Street, Manchester, M4 6LN
SUPAREAL LTD
235 CHURCH ROAD, URMSTON, MANCHESTER, M4 6LN
MERE TEAK LIMITED
Unit 2 2 Waulk Mill, 51 Bengal Street, Manchester, M4 6LN
BELEM DEVELOPMENTS LIMITED
5th Floor Ship Canal House, 98, King Street, Manchester, M4 6LN
Document Filings
Confirmation statement made on 8 June 2025 with updates
Confirmation statement made on 8 June 2024 with no updates
Confirmation statement made on 8 June 2023 with no updates
Confirmation statement made on 8 June 2022 with no updates
Registered office address changed from 12 Birchtree Close Bowdon Altrincham WA14 3PP United Kingdom to Beehive Lofts, Unit 4.1 Waulk Mill 51 Bengal Street Manchester M4 6LN on 7 January 2022
Confirmation statement made on 8 June 2021 with no updates
Director's details changed for Mr Steven Martin on 10 August 2021
Change of details for Mrs Michelle Mary Martin as a person with significant control on 10 August 2021
Secretary's details changed for Michelle Mary Martin on 10 August 2021
Change of details for Mr Steven Martin as a person with significant control on 10 August 2021
Registered office address changed from The Victoria 29 Stamford Street Altrincham Cheshire WA14 1EX to 12 Birchtree Close Bowdon Altrincham WA14 3PP on 13 August 2021
Termination of appointment of Tamsin Ruth Caine as a director on 1 August 2020
Confirmation statement made on 8 June 2020 with no updates
Appointment of Ms Tamsin Ruth Caine as a director on 1 October 2019
Confirmation statement made on 8 June 2019 with no updates
Confirmation statement made on 8 June 2018 with no updates
Amended total exemption full accounts made up to 30 September 2016
Terms and Conditions Cancellations Contact Us

In using this service you agree to the Terms and Conditions

© 2026 Check Free