Company Overview
Chameleon Financial Planning Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Thursday 11 May 2017, so this is a well established company. Chameleon Financial Planning Limited has been in business for 8 years and 10 months. The accounts status is total exemption full and the accounts are next due on Wednesday 30 September 2026.
Registered Address

5A Marsh Mill Village, Fleetwood Road North, Thornton-Cleveleys, Lancashire, FY5 4JZ
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Companies House Data
Company NameCHAMELEON FINANCIAL PLANNING LIMITED
Company Number10764814
Registered Office Address5a Marsh Mill Village
 Fleetwood Road North
 FY5 4JZ
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date11/05/2017
Accounting Reference Date Day31
Accounting Reference Date Month12
Accounts Next Due Date30/09/2026
Accounts Last Made Up Date31/12/2024
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date08/06/2018
Directors & Members
Show Resigned
Christopher Howard - Director
(British, 38 years old, born August 1988)
Appointed 06 August 2025
 Active
Michael Lovell - Director
(British, 44 years old, born March 1982)
Appointed 08 March 2018
 Active
Tracey Lovell - Director
(British, 47 years old, born April 1979)
Appointed 21 August 2025
 Active
Secretaries
Show Resigned
Other Company Directorships
Christopher Howard
No companies found
Michael Lovell
AVACOBS LIMITED
WORLD WATCH AUCTIONS LIMITED
Tracey Lovell
AVACOBS LIMITED
AVACOBS SERVICES LIMITED
WORLD WATCH AUCTIONS LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Balance Sheet
Fixed Assets 3,880 3,880 4,910
Current Assets 24,492 24,492 34,558
Creditors Due Within One Year 21,673 21,673 37,519
Working Cap 2,819 2,819 -2,961
Total Assets Less Current Liabilities 6,699 6,699 1,949
Long-term Liabilities 181,478 181,478 111,425
Net Assets -174,779 -174,779 -109,476
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds -174,779 -174,779 -109,476
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Tangible Fixed Assets - - -
Fixed Assets 13.7% 13.7% 12.4%
Stocks Inventory - - -
Debtors - - -
Cash Bank In Hand - - -
Current Assets 86.3% 86.3% 87.6%
Creditors Due Within One Year 76.4% 76.4% 95.1%
Net Current Assets Liabilities 9.9% 9.9% -7.5%
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 -616.0% -616.0% -277.4%
Capital Employed - - -
Total Assets Less Current Liabilities 23.6% 23.6% 4.9%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Liquidity Ratio 1.1 1.1 0.9
Solvency Ratio 0.1 0.1 0.3
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 1
Mortgages Outstanding 0
Mortgages Part Satisfied 0
Mortgages Satisfied 1
Assets and Debt Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Assets 28,372 28,372 39,468
Debt 203,151 203,151 148,944
Net Assets/Debt -174,779 -174,779 -109,476

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 current section of the balance sheet has positive working capital. We would normally consider this positively. Total reserves including retained profitability and movement in reserves has some deficiency. The balance sheet net assets figure is negative.

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 current section of the balance sheet has positive working capital. We would normally consider this positively. Total reserves including retained profitability and movement in reserves has some deficiency. The balance sheet net assets figure is negative.   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 current section of the balance sheet has positive working capital. We would normally consider this positively. Total reserves including retained profitability and movement in reserves has some deficiency. The balance sheet net assets figure is negative.

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
Appointment of Mrs Tracey Lovell as a director on 21 August 2025
Change of share class name or designation
Memorandum and Articles of Association
Resolutions
Particulars of variation of rights attached to shares
Appointment of Mr Christopher Howard as a director on 6 August 2025
Confirmation statement made on 1 July 2025 with updates
Confirmation statement made on 1 July 2024 with updates
Notification of Avacobs Services Limited as a person with significant control on 28 June 2024
Cessation of Digwa Group Limited as a person with significant control on 28 June 2024
Director's details changed for Mr Michael Stephen James Lovell on 1 July 2024
Termination of appointment of Mark James Hall as a secretary on 28 June 2024
Termination of appointment of Lee Thomas Parkinson as a director on 28 June 2024
Termination of appointment of Mark James Hall as a director on 28 June 2024
Termination of appointment of Gurdit Singh as a director on 28 June 2024
Registered office address changed from Unit 1 Guest House Farm Runshaw Lane, Euxton Chorley Lancashire PR7 6HD United Kingdom to 5a Marsh Mill Village Fleetwood Road North Thornton-Cleveleys Lancashire FY5 4JZ on 30 May 2024
Confirmation statement made on 10 May 2024 with updates
Satisfaction of charge 107648140001 in full
Confirmation statement made on 10 May 2023 with updates
Director's details changed for Mr Lee Thomas Parkinson on 25 May 2023
Confirmation statement made on 10 May 2022 with updates
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