Company Overview
Smart Financial Products Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Thursday 12 May 2016, so this is a well established company. Smart Financial Products Limited has been in business for 9 years and 10 months. The accounts status is micro entity and the accounts are next due on Saturday 28 February 2026.
Registered Address

Unit 27 Flex Space, North Road, Ellesmere Port, Cheshire, CH65 1AE
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Companies House Data
Company NameSMART FINANCIAL PRODUCTS LIMITED
Company Number10177792
Registered Office AddressUnit 27 Flex Space
 North Road
 CH65 1AE
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date12/05/2016
Accounting Reference Date Day30
Accounting Reference Date Month5
Accounts Next Due Date28/02/2026
Accounts Last Made Up Date30/05/2024
Accounts Account CategoryMICRO ENTITY
Returns Next Due Date09/06/2017
Directors & Members
Iain Bailey - Director
(British, 56 years old, born April 1970)
Appointed 12 May 2016
 Active
Secretaries
No Secretaries Appointed
Other Company Directorships
Iain Bailey
50-50 LOANS LIMITED
DEVA FINANCE LIMITED
Balance Sheet Unlock full report
Accounts Date 30-May-2024 30-May-2022 30-May-2021
Balance Sheet
Fixed Assets 0 0 0
Current Assets 82,674 82,674 74,824
Creditors Due Within One Year 39,169 39,169 24,727
Working Cap 43,505 43,505 50,097
Total Assets Less Current Liabilities 43,505 43,505 50,097
Long-term Liabilities 43,258 43,258 50,000
Net Assets 247 247 97
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 247 247 97
Common Size Financial Analysis Unlock full report
Accounts Date 30-May-2024 30-May-2022 30-May-2021
Tangible Fixed Assets - - -
Fixed Assets 0.0% 0.0% 0.0%
Stocks Inventory - - -
Debtors 75.3% 75.3% 64.4%
Cash Bank In Hand 24.7% 24.7% 35.6%
Current Assets 100.0% 100.0% 100.0%
Creditors Due Within One Year 47.4% 47.4% 33.0%
Net Current Assets Liabilities 52.6% 52.6% 67.0%
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 0.3% 0.3% 0.1%
Capital Employed - - -
Total Assets Less Current Liabilities 52.6% 52.6% 67.0%
Financial Ratio Analysis Unlock full report
Accounts Date 30-May-2024 30-May-2022 30-May-2021
Liquidity Ratio 2.1 2.1 3.0
Solvency Ratio 1.0 1.0 1.0
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 30-May-2024 30-May-2022 30-May-2021
Assets 82,674 82,674 74,824
Debt 82,427 82,427 74,727
Net Assets/Debt 247 247 97

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 displays a very modest amount of net assets. For the size of the company as inferred by the balance sheet the amount of net assets represents a slender margin of cover over total debts and obligations. 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.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 displays a very modest amount of net assets. For the size of the company as inferred by the balance sheet the amount of net assets represents a slender margin of cover over total debts and obligations. 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.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 displays a very modest amount of net assets. For the size of the company as inferred by the balance sheet the amount of net assets represents a slender margin of cover over total debts and obligations. 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
Registered office address changed from Unit 27 Flex Space North Road Ellesmere Port Cheshire CH65 1AE England to 21 Heath Drive Upton Wirral Merseyside CH49 6LE on 4 February 2026
Confirmation statement made on 10 April 2025 with no updates
Confirmation statement made on 10 April 2024 with no updates
Confirmation statement made on 10 April 2023 with no updates
Previous accounting period shortened from 31 May 2022 to 30 May 2022
Confirmation statement made on 10 April 2022 with no updates
Confirmation statement made on 13 May 2021 with no updates
Confirmation statement made on 13 May 2020 with no updates
Confirmation statement made on 11 May 2020 with no updates
Confirmation statement made on 11 May 2019 with no updates
Registered office address changed from 17 Dulverton Avenue Chester CH3 5LX United Kingdom to Unit 27 Flex Space North Road Ellesmere Port Cheshire CH65 1AE on 26 September 2018
Confirmation statement made on 11 May 2018 with no updates
Confirmation statement made on 11 May 2017 with updates
Incorporation
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