Company Overview
Rockstone Mortgage & Financial Advice Ltd is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Monday 23 July 2012, so this is a well established company. Rockstone Mortgage & Financial Advice Ltd has been in business for 13 years and 8 months. The accounts status is micro entity and the accounts are next due on Wednesday 31 December 2025.
Registered Address

Suite B, 745 Ampress Lane, Lymington, Hampshire, SO41 8LW
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Companies House Data
Company NameROCKSTONE MORTGAGE & FINANCIAL ADVICE LTD
Company Number08153318
Registered Office AddressSuite B,
 745 Ampress Lane
 SO41 8LW
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date23/07/2012
Accounting Reference Date Day31
Accounting Reference Date Month3
Accounts Next Due Date31/12/2026
Accounts Last Made Up Date31/03/2025
Accounts Account CategoryMICRO ENTITY
Returns Next Due Date17/09/2016
Returns Last Made Up Date20/08/2015
Previous Company NameChanged Date
MONEYSPRITE FOREST & COASTAL LTD08 Nov 2018
Directors & Members
Guy Layman - Director
(British, 43 years old, born May 1983)
Appointed 23 July 2012
 Active
Joanna Layman - Director
(British, 49 years old, born October 1977)
Appointed 27 August 2015
 Active
Secretaries
No Secretaries Appointed
Other Company Directorships
Guy Layman
ROCKSTONE HOLDINGS LTD
Joanna Layman
9 UPPER TERRACE ROAD (BOURNEMOUTH BH2) FREEHOLD LIMITED
ROCKSTONE HOLDINGS LTD
Balance Sheet Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2023 31-Mar-2022
Balance Sheet
Fixed Assets 1,009 1,009 1,568
Current Assets 104,772 104,772 84,497
Creditors Due Within One Year -24,185 -24,185 -41,370
Working Cap 128,957 128,957 125,867
Total Assets Less Current Liabilities 129,966 129,966 127,435
Long-term Liabilities 38,312 38,312 46,024
Net Assets 91,654 91,654 81,411
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 91,654 91,654 81,411
Common Size Financial Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2023 31-Mar-2022
Tangible Fixed Assets - - -
Fixed Assets 1.0% 1.0% 1.8%
Stocks Inventory - - -
Debtors - - -
Cash Bank In Hand - - -
Current Assets 99.0% 99.0% 98.2%
Creditors Due Within One Year -22.9% -22.9% -48.1%
Net Current Assets Liabilities 121.9% 121.9% 146.2%
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 86.6% 86.6% 94.6%
Capital Employed - - -
Total Assets Less Current Liabilities 122.9% 122.9% 148.1%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2023 31-Mar-2022
Liquidity Ratio -4.3 -4.3 -2.0
Solvency Ratio 7.5 7.5 18.5
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-Mar-2025 31-Mar-2023 31-Mar-2022
Assets 105,781 105,781 86,065
Debt 14,127 14,127 4,654
Net Assets/Debt 91,654 91,654 81,411

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.

Current debt exceeded short term liquid assets as at the balance sheet date. We would normally view this in the context of other profitability and solvency indicators. Total reserves including retained profitability and movement in reserves appeared positive. We would normally view a company positively for this. 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.Current debt exceeded short term liquid assets as at the balance sheet date. We would normally view this in the context of other profitability and solvency indicators. Total reserves including retained profitability and movement in reserves appeared positive. We would normally view a company positively for this. 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.Current debt exceeded short term liquid assets as at the balance sheet date. We would normally view this in the context of other profitability and solvency indicators. Total reserves including retained profitability and movement in reserves appeared positive. We would normally view a company positively for this. 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 SO41 8LW
THE BIG KITCHEN COMPANY LIMITED
736 Ampress Lane Ampress Park, Lymington, Hampshire, SO41 8LW
RESOLUTION20 LTD
630 AMPRESS LANE, LYMINGTON, SO41 8LW
DUNFORD CONSTRUCTION LIMITED
GROUND FLOOR, 745 AMPRESS LANE, LYMINGTON, HAMPSHIRE, SO41 8LW
HAZEL LIMITED
Unit 1 Aero Centre, Ampress Lane, Lymington, Hampshire, SO41 8LW
MARK BERRYMAN DESIGN LIMITED
FIRST FLOOR, 745 AMPRESS LANE, LYMINGTON, HAMPSHIRE, SO41 8LW
BRIDGEWORKS LTD.
UNIT 1, AERO CENTRE AMPRESS PARK, AMPRESS LANE, LYMINGTON, HAMPSHIRE, SO41 8LW
DIGITAL INTERFACES LTD
UNIT 1 AERO CENTRE, AMPRESS LANE, LYMINGTON, HAMPSHIRE, SO41 8LW
PARKER ANDERSON DEVELOPMENT HOLDINGS LIMITED
UNIT 736 AMPRESS LANE, AMPRESS PARK, LYMINGTON, HAMPSHIRE, SO41 8LW
LYMINGTON AUTO SERVICES LIMITED
UNIT 735 AMPRESS LANE, AMPRESS PARK, LYMINGTON, HAMPHIRE, SO41 8LW
PARKER ANDERSON LIMITED
736 AMPRESS LANE, AMPRESS PARK, LYMINGTON, HAMPSHIRE, SO41 8LW
Document Filings
Confirmation statement made on 20 August 2025 with no updates
Confirmation statement made on 20 August 2024 with no updates
Director's details changed for Mr Guy Robert Layman on 5 March 2024
Change of details for Mr Guy Robert Layman as a person with significant control on 5 March 2024
Director's details changed for Mrs Joanna Rose Angela Layman on 5 March 2024
Confirmation statement made on 20 August 2023 with no updates
Change of details for Mr Guy Robert Layman as a person with significant control on 28 February 2023
Director's details changed for Mr Guy Robert Layman on 28 February 2023
Director's details changed for Mrs Joanna Rose Angela Layman on 28 February 2023
Confirmation statement made on 20 August 2022 with updates
Confirmation statement made on 20 August 2021 with updates
Memorandum and Articles of Association
Memorandum and Articles of Association
Resolutions
Change of share class name or designation
Resolutions
Confirmation statement made on 20 August 2020 with updates
Director's details changed for Mrs Joanna Rose Angela Layman on 26 August 2020
Change of details for Mr Guy Robert Layman as a person with significant control on 26 August 2020
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