Company Overview
Harper Financial Ltd is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Monday 01 July 2013, so this is a well established company. Harper Financial Ltd has been in business for 12 years and 9 months. The accounts status is micro entity and the accounts are next due on Thursday 30 April 2026.
Registered Address

15 Nursery Gardens, Exeter, EX1 3YY
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Companies House Data
Company NameHARPER FINANCIAL LTD
Company Number08591837
Registered Office Address15 Nursery Gardens
 EX1 3YY
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date01/07/2013
Accounting Reference Date Day31
Accounting Reference Date Month7
Accounts Next Due Date30/04/2026
Accounts Last Made Up Date31/07/2024
Accounts Account CategoryMICRO ENTITY
Returns Next Due Date01/07/2017
Returns Last Made Up Date03/06/2016
Previous Company NameChanged Date
HARPER WILLIAMS FUNDING LTD28 Jul 2016
Directors & Members
Show Resigned
Michael Harper - Director
(British, 58 years old, born February 1968)
Appointed 02 July 2013
 Active
Secretaries
No Secretaries Appointed
Other Company Directorships
Michael Harper
HARPER WILLIAMS ASSOCIATES LTD
HARPER WILLIAMS WEALTH LTD
Balance Sheet Unlock full report
Accounts Date 31-Jul-2024 31-Jul-2022 31-Jul-2021
Balance Sheet
Fixed Assets 49,335 49,335 49,880
Current Assets 46,034 46,034 30,711
Creditors Due Within One Year 20,824 20,824 15,417
Working Cap 25,210 25,210 15,294
Total Assets Less Current Liabilities 74,545 74,545 65,174
Long-term Liabilities 20,235 20,235 15,838
Net Assets 54,310 54,310 49,336
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 54,310 54,310 49,336
Common Size Financial Analysis Unlock full report
Accounts Date 31-Jul-2024 31-Jul-2022 31-Jul-2021
Tangible Fixed Assets - - -
Fixed Assets 51.7% 51.7% 61.9%
Stocks Inventory - - -
Debtors - - -
Cash Bank In Hand - - -
Current Assets 48.3% 48.3% 38.1%
Creditors Due Within One Year 21.8% 21.8% 19.1%
Net Current Assets Liabilities 26.4% 26.4% 19.0%
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 56.9% 56.9% 61.2%
Capital Employed - - -
Total Assets Less Current Liabilities 78.2% 78.2% 80.9%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Jul-2024 31-Jul-2022 31-Jul-2021
Liquidity Ratio 2.2 2.2 2.0
Solvency Ratio 2.3 2.3 2.6
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-Jul-2024 31-Jul-2022 31-Jul-2021
Assets 95,369 95,369 80,591
Debt 41,059 41,059 31,255
Net Assets/Debt 54,310 54,310 49,336

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. 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 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.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. 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 EX1 3YY
No other companies found in the same location
Document Filings
Registered office address changed from 15 Eco Way Plymouth Devon EX1 3YY England to 15 Nursery Gardens Exeter EX1 3YY on 29 June 2025
Registered office address changed from 49 Eco Way Plymouth Devon PL6 7FP England to 15 Eco Way Plymouth Devon EX1 3YY on 29 June 2025
Confirmation statement made on 3 June 2025 with no updates
Registered office address changed from 15 Nursery Gardens Exeter EX1 3YY England to 49 Eco Way Plymouth Devon PL6 7FP on 3 June 2025
Registered office address changed from The Mount 72 Paris Street Exeter EX1 2JY England to 15 Nursery Gardens Exeter EX1 3YY on 13 June 2024
Confirmation statement made on 3 June 2024 with no updates
Confirmation statement made on 3 June 2023 with no updates
Registered office address changed from 49 Eco Way Plymouth PL6 7FP England to The Mount 72 Paris Street Exeter EX1 2JY on 30 March 2023
Confirmation statement made on 3 June 2022 with no updates
Confirmation statement made on 3 June 2021 with no updates
Registered office address changed from Tin Quay House North Quay Plymouth PL4 0RA England to 49 Eco Way Plymouth PL6 7FP on 23 April 2021
Confirmation statement made on 3 June 2020 with no updates
Registered office address changed from 18 Darklake Park Darklake View Estover Plymouth PL6 7FB England to Tin Quay House North Quay Plymouth PL4 0RA on 21 October 2019
Confirmation statement made on 3 June 2019 with no updates
Confirmation statement made on 3 June 2018 with no updates
Director's details changed for Mr Michael John Harper on 18 June 2018
Director's details changed for Mr Michael John Harper on 1 November 2017
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