Company Overview
Smart With Money C.I.C. is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Thursday 13 March 2014, so this is a well established company. Smart With Money C.I.C. has been in business for 12 years and 1 month. The accounts status is total exemption full and the accounts are next due on Thursday 31 December 2026.
Registered Address

Trade Street Desks, Trade Street, Cardiff, CF10 5DT
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Companies House Data
Company NameSMART WITH MONEY C.I.C.
Company Number08936811
Registered Office AddressTrade Street Desks
 Trade Street
 CF10 5DT
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date13/03/2014
Accounting Reference Date Day31
Accounting Reference Date Month3
Accounts Next Due Date31/12/2026
Accounts Last Made Up Date31/03/2025
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date21/05/2017
Returns Last Made Up Date23/04/2016
Previous Company NameChanged Date
SMART WITH MONEY C.I.C. LIMITED03 Feb 2022
SMART WITH MONEY LIMITED26 Aug 2015
Directors & Members
Show Resigned
David Browne - Director
(Irish, 64 years old, born August 1962)
Appointed 07 October 2014
 Active
Secretaries
Show Resigned
Other Company Directorships
David Browne
CARDIFF AND VALE CITIZENS ADVICE BUREAU LTD
VALE VOLUNTEER BUREAU
Balance Sheet Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2023 31-Mar-2022
Balance Sheet
Fixed Assets 66,592 66,592 66,592
Current Assets 329,116 329,116 329,116
Creditors Due Within One Year 329,116 329,116 329,116
Working Cap 0 0 0
Total Assets Less Current Liabilities 66,592 66,592 66,592
Long-term Liabilities 47,746 47,746 47,746
Net Assets 18,846 18,846 18,846
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 18,846 18,846 18,846
Common Size Financial Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2023 31-Mar-2022
Tangible Fixed Assets - - -
Fixed Assets 16.8% 16.8% 16.8%
Stocks Inventory - - -
Debtors 0.0% 0.0% 0.0%
Cash Bank In Hand 83.2% 83.2% 83.2%
Current Assets 83.2% 83.2% 83.2%
Creditors Due Within One Year 83.2% 83.2% 83.2%
Net Current Assets Liabilities 0.0% 0.0% 0.0%
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 4.8% 4.8% 4.8%
Capital Employed - - -
Total Assets Less Current Liabilities 16.8% 16.8% 16.8%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2023 31-Mar-2022
Liquidity Ratio 1.0 1.0 1.0
Solvency Ratio 1.1 1.1 1.1
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 1
Mortgages Outstanding 1
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 395,708 395,708 395,708
Debt 376,862 376,862 376,862
Net Assets/Debt 18,846 18,846 18,846
It is not clear that the company was actively trading prior to the latest financial data filed. Examination of the full accounts may provide further information. If the company remains active on the company register it may have traded in the period since the date of the latest filed accounts. A full credit report may 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
Termination of appointment of Dawn Davies as a secretary on 10 December 2025
Confirmation statement made on 23 April 2025 with no updates
Cessation of Wayne Thomas as a person with significant control on 10 January 2025
Termination of appointment of Dawn Davies as a director on 11 January 2025
Cessation of Dawn Davies as a person with significant control on 11 January 2025
Termination of appointment of Wayne Thomas as a director on 10 January 2025
Confirmation statement made on 23 April 2024 with no updates
Confirmation statement made on 23 April 2023 with no updates
Notification of Wayne Thomas as a person with significant control on 4 May 2022
Confirmation statement made on 23 April 2022 with no updates
Notification of Dawn Davies as a person with significant control on 6 April 2022
Notification of David Martin Browne as a person with significant control on 6 April 2022
Director's details changed for Mr Wayne Thomas on 6 April 2022
Director's details changed for Mr David Martin Browne on 6 April 2022
Cessation of David Martin Browne as a person with significant control on 15 March 2022
Certificate of change of name
Change of name
Change of name notice
Termination of appointment of Sascha Louise Williams as a director on 16 December 2021
Termination of appointment of Caradog Hywel George as a director on 10 November 2021
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