Company Overview
Hansford Bell Financial Life Planning Ltd is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Monday 15 December 2014, so this is a well established company. Hansford Bell Financial Life Planning Ltd has been in business for 11 years and 3 months. The accounts status is micro entity and the accounts are next due on Wednesday 31 December 2025.
Registered Address

13 West Street, Tavistock, Devon, PL19 8AN
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Companies House Data
Company NameHANSFORD BELL FINANCIAL LIFE PLANNING LTD
Company Number09354797
Registered Office Address13 West Street
 PL19 8AN
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date15/12/2014
Accounting Reference Date Day31
Accounting Reference Date Month3
Accounts Next Due Date31/12/2025
Accounts Last Made Up Date31/03/2024
Accounts Account CategoryMICRO ENTITY
Returns Next Due Date12/01/2017
Returns Last Made Up Date15/12/2015
Previous Company NameChanged Date
HANSFORD BELL LIFE PLANNING LTD07 Apr 2016
Directors & Members
Show Resigned
Rebecca Adams - Director
(British, 35 years old, born April 1991)
Appointed 29 January 2021
 Active
Ross Biddiss - Director
(British, 34 years old, born October 1992)
Appointed 29 January 2021
 Active
Emma Bird - Director
(British, 35 years old, born September 1991)
Appointed 29 January 2021
 Active
Christopher Palmer - Director
(British, 45 years old, born June 1981)
Appointed 27 May 2016
 Active
Janine Palmer - Director
(British, 45 years old, born January 1981)
Appointed 29 January 2021
 Active
Secretaries
No Secretaries Appointed
Other Company Directorships
Rebecca Adams
HANSFORD BELL FINANCIAL PLANNING LTD
HANSFORD BELL HOLDINGS LTD
HBFLPS CONSULTANCY SERVICES LTD
Ross Biddiss
HANSFORD BELL FINANCIAL PLANNING LTD
HBFLPS CONSULTANCY SERVICES LTD
Emma Bird
HANSFORD BELL FINANCIAL PLANNING LTD
HANSFORD BELL HOLDINGS LTD
HBFLPS CONSULTANCY SERVICES LTD
Christopher Palmer
CJP FINANCIAL ASSOCIATES LIMITED
HANSFORD BELL FINANCIAL PLANNERS LIMITED
HANSFORD BELL FINANCIAL PLANNING LTD
HANSFORD BELL HOLDINGS LTD
HBFLPS CONSULTANCY SERVICES LTD
IAC FINANCIAL PLANNING LTD
TAVISTOCK BID LIMITED
Janine Palmer
CJP FINANCIAL ASSOCIATES LIMITED
HANSFORD BELL FINANCIAL PLANNING LTD
HBFLPS CONSULTANCY SERVICES LTD
IAC FINANCIAL PLANNING LTD
Balance Sheet Unlock full report
Accounts Date 31-Mar-2024 31-Mar-2022 31-Mar-2021
Balance Sheet
Fixed Assets 0 0 0
Current Assets 1,640 1,640 1,741
Creditors Due Within One Year 4,324 4,324 7,551
Working Cap -2,684 -2,684 -5,810
Total Assets Less Current Liabilities -2,684 -2,684 -5,810
Long-term Liabilities 0 0 0
Net Assets -2,684 -2,684 -5,810
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds -2,684 -2,684 -5,810
Common Size Financial Analysis Unlock full report
Accounts Date 31-Mar-2024 31-Mar-2022 31-Mar-2021
Tangible Fixed Assets - - -
Fixed Assets 0.0% 0.0% 0.0%
Stocks Inventory - - -
Debtors 40.7% 40.7% -
Cash Bank In Hand 59.3% 59.3% 100.0%
Current Assets 100.0% 100.0% 100.0%
Creditors Due Within One Year 263.7% 263.7% 433.7%
Net Current Assets Liabilities -163.7% -163.7% -333.7%
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 -163.7% -163.7% -333.7%
Capital Employed - - -
Total Assets Less Current Liabilities -163.7% -163.7% -333.7%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Mar-2024 31-Mar-2022 31-Mar-2021
Liquidity Ratio 0.4 0.4 0.2
Solvency Ratio 0.4 0.4 0.2
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-2024 31-Mar-2022 31-Mar-2021
Assets 1,640 1,640 1,741
Debt 4,324 4,324 7,551
Net Assets/Debt -2,684 -2,684 -5,810

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 has some deficiency. The balance sheet net assets figure is negative. The latest accounts are not up-to-date. Later accounts are now overdue. Late filing is not a positive factor. Analysis based on the latest figures available must be taken in the context that the figures are not up-to-date.

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 has some deficiency. The balance sheet net assets figure is negative. The latest accounts are not up-to-date. Later accounts are now overdue. Late filing is not a positive factor. Analysis based on the latest figures available must be taken in the context that the figures are not up-to-date.   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 has some deficiency. The balance sheet net assets figure is negative. The latest accounts are not up-to-date. Later accounts are now overdue. Late filing is not a positive factor. Analysis based on the latest figures available must be taken in the context that the figures are not up-to-date.

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 15 December 2025 with no updates
Termination of appointment of Gemma Michelle Grice as a director on 14 December 2025
Confirmation statement made on 15 December 2024 with no updates
Confirmation statement made on 15 December 2023 with updates
Director's details changed for Miss Emma Haydn Jones on 7 December 2023
Confirmation statement made on 15 December 2022 with updates
Director's details changed for Mrs Janine Palmer on 12 December 2022
Director's details changed for Mr Christopher Andrew Palmer on 12 December 2022
Director's details changed for Miss Emma Haydn Jones on 12 December 2022
Confirmation statement made on 15 December 2021 with updates
Change of details for Cjp Financial Associates Ltd as a person with significant control on 29 January 2021
Notification of Cjp Financial Associates Ltd as a person with significant control on 6 April 2016
Cessation of Christopher Andrew Palmer as a person with significant control on 29 January 2021
Cessation of Stephen Michael Marker as a person with significant control on 29 January 2021
Cessation of Nicola Jane Marker as a person with significant control on 29 January 2021
Termination of appointment of Stephen Michael Marker as a director on 29 January 2021
Termination of appointment of Nicola Jane Marker as a director on 29 January 2021
Appointment of Mrs Janine Palmer as a director on 29 January 2021
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