Company Overview
Lb Financial Solutions Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Wednesday 08 February 2012, so this is a well established company. Lb Financial Solutions Limited has been in business for 14 years and 1 month. The accounts status is audit exemption subsidiary and the accounts are next due on Sunday 31 May 2026.
Registered Address

Swift House, Ground Floor, 18 Hoffmanns Way, Chelmsford, Essex, CM1 1GU
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Companies House Data
Company NameLB FINANCIAL SOLUTIONS LIMITED
Company Number07942025
Registered Office AddressSwift House
 Ground Floor, 18 Hoffmanns Way
 CM1 1GU
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date08/02/2012
Accounting Reference Date Day31
Accounting Reference Date Month8
Accounts Next Due Date31/05/2026
Accounts Last Made Up Date31/08/2024
Accounts Account CategoryAUDIT EXEMPTION SUBSIDIARY
Returns Next Due Date08/03/2017
Returns Last Made Up Date08/02/2016
Directors & Members
Show Resigned
Paul Mustoe - Director
(English, 51 years old, born August 1975)
Appointed 19 June 2024
 Active
Secretaries
No Secretaries Appointed
Other Company Directorships
Paul Mustoe
AD BUSINESS RECOVERY LIMITED
AFFINIA LIMITED
COMPAIR CRESCENT LTD
DSP TRADING LIMITED
FDP CONSTRUCTION LIMITED
FINANCIAL ADVISER SUPPORT SERVICES LTD
FIRECREST FINANCIAL RECRUITMENT LTD
FRAUD CONSULTANTS UK LIMITED
ISLES & STORER LIMITED
IZZY CREATIVE LIMITED
LB BUSINESS SOLUTIONS LIMITED
LB GROUP HOMES LIMITED
LB MORTGAGE SOLUTIONS LTD
LB WEALTH PARTNERS LIMITED
MAGNIFICENT MARKETING LIMITED
MALL SERVICES LIMITED
ORANGE PENTAGON LIMITED
RCAF LIMITED
RIDICULOUSLY EXPENSIVE CARS LIMITED
RJS INVESTMENTS LIMITED
THE RETAIL MERCHANDISE UNIT COMPANY LIMITED
TINYCLUES LTD
Balance Sheet Unlock full report
Accounts Date 31-Aug-2024 31-Aug-2022 31-Aug-2021
Balance Sheet
Fixed Assets 2,360 2,360 2,069
Current Assets 311,819 311,819 320,357
Creditors Due Within One Year 77,404 77,404 92,714
Working Cap 234,415 234,415 227,643
Total Assets Less Current Liabilities 236,775 236,775 229,712
Long-term Liabilities 57,539 57,539 91,482
Net Assets 179,236 179,236 138,230
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 179,236 179,236 138,230
Common Size Financial Analysis Unlock full report
Accounts Date 31-Aug-2024 31-Aug-2022 31-Aug-2021
Tangible Fixed Assets - - -
Fixed Assets 0.8% 0.8% 0.6%
Stocks Inventory - - -
Debtors 92.1% 92.1% 39.4%
Cash Bank In Hand 7.2% 7.2% 59.9%
Current Assets 99.2% 99.2% 99.4%
Creditors Due Within One Year 24.6% 24.6% 28.8%
Net Current Assets Liabilities 74.6% 74.6% 70.6%
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 57.0% 57.0% 42.9%
Capital Employed - - -
Total Assets Less Current Liabilities 75.4% 75.4% 71.2%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Aug-2024 31-Aug-2022 31-Aug-2021
Liquidity Ratio 4.0 4.0 3.5
Solvency Ratio 2.3 2.3 1.8
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-Aug-2024 31-Aug-2022 31-Aug-2021
Assets 314,179 314,179 322,426
Debt 134,943 134,943 184,196
Net Assets/Debt 179,236 179,236 138,230

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.

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 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.

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 8 February 2026 with updates
Change of details for Lbgh Limited as a person with significant control on 3 June 2025
Consolidated accounts of parent company for subsidiary company period ending 31/08/24
Audit exemption statement of guarantee by parent company for period ending 31/08/24
Notice of agreement to exemption from audit of accounts for period ending 31/08/24
Confirmation statement made on 8 February 2025 with updates
Appointment of Mr Paul Mustoe as a director on 19 June 2024
Termination of appointment of Andrew James Sewell as a director on 19 June 2024
Resolutions
Memorandum and Articles of Association
Confirmation statement made on 8 February 2024 with updates
Termination of appointment of Paul Mustoe as a director on 18 January 2024
Change of details for Lbgh Limited as a person with significant control on 11 May 2023
Cessation of Andrew James Sewell as a person with significant control on 11 May 2023
Notification of Lbgh Limited as a person with significant control on 10 May 2023
Cessation of Paul Mustoe as a person with significant control on 10 May 2023
Confirmation statement made on 8 February 2023 with updates
Confirmation statement made on 8 February 2022 with updates
Confirmation statement made on 8 February 2021 with updates
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