Company Overview
James Miller Financial Planning Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Tuesday 04 May 2010, so this is a well established company. James Miller Financial Planning Limited has been in business for 15 years and 11 months. The accounts status is total exemption full and the accounts are next due on Saturday 28 February 2026.
Registered Address

The Gallery Barn Riverside, Perranarworthal, Truro, Cornwall, TR3 7NY
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Companies House Data
Company NameJAMES MILLER FINANCIAL PLANNING LIMITED
Company Number07242081
Registered Office AddressThe Gallery Barn Riverside
 Perranarworthal
 TR3 7NY
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date04/05/2010
Accounting Reference Date Day31
Accounting Reference Date Month5
Accounts Next Due Date28/02/2027
Accounts Last Made Up Date31/05/2025
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date02/06/2017
Returns Last Made Up Date05/05/2016
Previous Company NameChanged Date
J.S.MILLER INDEPENDENT FINANCIAL PLANNING LIMITED11 Mar 2022
J.S.MILLER INDEPENDNENT FINANCIAL PLANNING LTD26 May 2010
Directors & Members
James Miller - Director
(British, 45 years old, born May 1981)
Appointed 04 May 2010
 Active
Secretaries
John Miller - Secretary
Appointed 04 May 2010
 Active
Other Company Directorships
James Miller
MARINE FABRICATION AND ENGINEERING LTD
PALM COURT (CORNWALL) LIMITED
Balance Sheet Unlock full report
Accounts Date 31-May-2025 31-May-2022 31-May-2021
Balance Sheet
Fixed Assets 373,273 373,273 383,171
Current Assets 186,634 186,634 199,107
Creditors Due Within One Year 41,412 41,412 49,302
Working Cap 145,222 145,222 149,805
Total Assets Less Current Liabilities 518,495 518,495 532,976
Long-term Liabilities 196,611 196,611 202,006
Net Assets 321,884 321,884 330,970
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 321,884 321,884 330,970
Common Size Financial Analysis Unlock full report
Accounts Date 31-May-2025 31-May-2022 31-May-2021
Tangible Fixed Assets - - -
Fixed Assets 66.7% 66.7% 65.8%
Stocks Inventory - - -
Debtors 2.8% 2.8% 4.5%
Cash Bank In Hand 30.5% 30.5% 29.7%
Current Assets 33.3% 33.3% 34.2%
Creditors Due Within One Year 7.4% 7.4% 8.5%
Net Current Assets Liabilities 25.9% 25.9% 25.7%
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 57.5% 57.5% 56.8%
Capital Employed - - -
Total Assets Less Current Liabilities 92.6% 92.6% 91.5%
Financial Ratio Analysis Unlock full report
Accounts Date 31-May-2025 31-May-2022 31-May-2021
Liquidity Ratio 4.5 4.5 4.0
Solvency Ratio 2.4 2.4 2.3
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-May-2025 31-May-2022 31-May-2021
Assets 559,907 559,907 582,278
Debt 238,023 238,023 251,308
Net Assets/Debt 321,884 321,884 330,970

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 TR3 7NY
BEN AND HANNAH DUNNETT LTD
THORNELOE HOUSE, 25 BARBOURNE ROAD, WORCESTER, WORCESTERSHIRE, TR3 7NY
HUDSON ARMSTRONG DESIGN LIMITED
Meadowsweet Trewinnard Road, Perranwell Station, Truro, Cornwall, TR3 7NY
Document Filings
Confirmation statement made on 31 March 2026 with no updates
Confirmation statement made on 31 March 2025 with no updates
Confirmation statement made on 31 March 2024 with no updates
Notification of Lindsey Miller as a person with significant control on 3 April 2019
Change of details for Mr James Spencer Miller as a person with significant control on 3 April 2019
Confirmation statement made on 31 March 2023 with updates
Confirmation statement made on 20 April 2022 with no updates
Certificate of change of name
Confirmation statement made on 5 May 2021 with updates
Confirmation statement made on 5 May 2020 with updates
Registered office address changed from The Old Carriage Works Moresk Road Truro Cornwall TR1 1DG England to The Gallery Barn Riverside Perranarworthal Truro Cornwall TR3 7NY on 6 May 2020
Director's details changed for Mr James Spencer Miller on 28 February 2020
Registration of charge 072420810002, created on 22 November 2019
Registration of charge 072420810001, created on 7 September 2019
Confirmation statement made on 5 May 2019 with updates
Registered office address changed from 48 Arwenack Street Falmouth Cornwall TR11 3JH United Kingdom to The Old Carriage Works Moresk Road Truro Cornwall TR1 1DG on 2 January 2019
Confirmation statement made on 5 May 2018 with no updates
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