Company Overview
Roberts Financial Consultancy Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Wednesday 18 March 2009, so this is a well established company. Roberts Financial Consultancy Limited has been in business for 17 years. The accounts status is audit exemption subsidiary 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 NameROBERTS FINANCIAL CONSULTANCY LIMITED
Company Number06851743
Registered Office Address1 Vincent Square
 SW1P 2PN
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date18/03/2009
Accounting Reference Date Day31
Accounting Reference Date Month12
Accounts Next Due Date31/12/2025
Accounts Last Made Up Date31/03/2024
Accounts Account CategoryAUDIT EXEMPTION SUBSIDIARY
Returns Next Due Date15/04/2017
Returns Last Made Up Date18/03/2016
Directors & Members
Show Resigned
Clement Cowley - Director
(British, 41 years old, born December 1985)
Appointed 15 February 2024
 Active
Michael Elworthy - Director
(British, 43 years old, born July 1983)
Appointed 15 February 2024
 Active
Graeme Morrissey - Director
(British, 42 years old, born September 1984)
Appointed 15 February 2024
 Active
Adam Roberts - Director
(British, 44 years old, born November 1982)
Appointed 15 February 2024
 Active
Secretaries
No Secretaries Appointed
Other Company Directorships
Clement Cowley
BRIGHT BLUE WEALTH MANAGEMENT LTD
HARRIDGE FINANCIAL SERVICES LIMITED
ISHAM FINANCIAL CENTRE LIMITED
THE PENNY GROUP HOLDINGS LTD
THE PENNY GROUP SURREY LIMITED
TPG HARRIDGE HOLDCO LTD
WHITING FINANCIAL LIMITED
Michael Elworthy
BRIGHT BLUE WEALTH MANAGEMENT LTD
HARRIDGE FINANCIAL SERVICES LIMITED
ISHAM FINANCIAL CENTRE LIMITED
MIKE ELWORTHY FINANCIAL PLANNING 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
WHITING FINANCIAL LIMITED
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
THE PENNY GROUP HOLDINGS LTD
THE PENNY GROUP LTD
TPG HARRIDGE HOLDCO LTD
VESPA VENTURES LIMITED
WHITING FINANCIAL LIMITED
Adam Roberts
WHITING FINANCIAL LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Mar-2024 31-Mar-2022 31-Mar-2021
Balance Sheet
Fixed Assets 73,897 73,897 3,150
Current Assets 477,457 477,457 402,848
Creditors Due Within One Year 76,991 76,991 66,938
Working Cap 400,466 400,466 335,910
Total Assets Less Current Liabilities 474,363 474,363 339,060
Long-term Liabilities 14,040 14,040 0
Net Assets 460,323 460,323 339,060
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 460,323 460,323 339,060
Common Size Financial Analysis Unlock full report
Accounts Date 31-Mar-2024 31-Mar-2022 31-Mar-2021
Tangible Fixed Assets - - -
Fixed Assets 13.4% 13.4% 0.8%
Stocks Inventory - - -
Debtors 9.6% 9.6% 17.6%
Cash Bank In Hand 77.0% 77.0% 81.6%
Current Assets 86.6% 86.6% 99.2%
Creditors Due Within One Year 14.0% 14.0% 16.5%
Net Current Assets Liabilities 72.6% 72.6% 82.7%
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 83.5% 83.5% 83.5%
Capital Employed - - -
Total Assets Less Current Liabilities 86.0% 86.0% 83.5%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Mar-2024 31-Mar-2022 31-Mar-2021
Liquidity Ratio 6.2 6.2 6.0
Solvency Ratio 6.1 6.1 6.1
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 2
Mortgages Outstanding 2
Mortgages Part Satisfied 0
Mortgages Satisfied 0
Assets and Debt Analysis Unlock full report
Accounts Date 31-Mar-2024 31-Mar-2022 31-Mar-2021
Assets 551,354 551,354 405,998
Debt 91,031 91,031 66,938
Net Assets/Debt 460,323 460,323 339,060

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
Confirmation statement made on 18 March 2026 with updates
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
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 15 September 2025
Registered office address changed from 1 Vincent Square London SW1P 2PN England to 3rd Floor the Coade 98 Vauxhall Walk London SE11 5EL on 25 September 2025
Director's details changed for Mr Graeme Joseph Morrissey on 15 September 2025
Director's details changed for Mr Michael Joseph Elworthy on 15 September 2025
Director's details changed for Mr Clement Edward Cowley on 15 September 2025
Director's details changed for Mr Adam David John Roberts on 15 September 2025
Previous accounting period shortened from 31 March 2025 to 31 December 2024
Confirmation statement made on 18 March 2025 with updates
Consolidated accounts of parent company for subsidiary company period ending 31/03/24
Audit exemption statement of guarantee by parent company for period ending 31/03/24
Notice of agreement to exemption from audit of accounts for period ending 31/03/24
Registration of charge 068517430002, created on 14 August 2024
Confirmation statement made on 18 March 2024 with updates
Memorandum and Articles of Association
Resolutions
Appointment of Mr Adam David John Roberts as a director on 15 February 2024
Appointment of Mr Clement Edward Cowley as a director on 15 February 2024
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