Company Overview
Torch Financial Planning Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Monday 17 June 1996, so this is a well established company. Torch Financial Planning Limited has been in business for 29 years and 9 months. The accounts status is micro entity and the accounts are next due on Sunday 17 May 2026.
Registered Address

3 Shrewsbury Gardens, Belfast, BT9 6PJ
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Companies House Data
Company NameTORCH FINANCIAL PLANNING LIMITED
Company NumberNI031001
Registered Office Address3 Shrewsbury Gardens
 BT9 6PJ
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date17/06/1996
Accounting Reference Date Day17
Accounting Reference Date Month8
Accounts Next Due Date17/05/2027
Accounts Last Made Up Date17/08/2025
Accounts Account CategoryMICRO ENTITY
Returns Next Due Date15/07/2017
Returns Last Made Up Date17/06/2016
Previous Company NameChanged Date
FRAZER & CLEAVER BLACK INDEPENDENT FINANCIAL SERVICES LTD06 Apr 2017
Directors & Members
Show Resigned
Brian O'neill - Director
(Irish, 61 years old, born April 1965)
Appointed 06 April 2017
 Active
Secretaries
Show Resigned
Other Company Directorships
Brian O'neill
FLEXIBLE FINANCIAL (IRELAND) LTD
FLEXIBLE FINANCIAL SOLUTIONS LTD
PROPADMIN LTD
Balance Sheet Unlock full report
Accounts Date 17-Aug-2025 17-Aug-2022 17-Aug-2021
Balance Sheet
Fixed Assets 0 0 0
Current Assets 54,091 54,091 54,335
Creditors Due Within One Year 4,786 4,786 4,203
Working Cap 49,305 49,305 50,132
Total Assets Less Current Liabilities 49,305 49,305 50,132
Long-term Liabilities 0 0 0
Net Assets 49,305 49,305 50,132
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 49,305 49,305 50,132
Common Size Financial Analysis Unlock full report
Accounts Date 17-Aug-2025 17-Aug-2022 17-Aug-2021
Tangible Fixed Assets - - -
Fixed Assets 0.0% 0.0% 0.0%
Stocks Inventory - - -
Debtors - - -
Cash Bank In Hand 63.0% 63.0% 63.2%
Current Assets 100.0% 100.0% 100.0%
Creditors Due Within One Year 8.8% 8.8% 7.7%
Net Current Assets Liabilities 91.2% 91.2% 92.3%
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 91.2% 91.2% 92.3%
Capital Employed - - -
Total Assets Less Current Liabilities 91.2% 91.2% 92.3%
Financial Ratio Analysis Unlock full report
Accounts Date 17-Aug-2025 17-Aug-2022 17-Aug-2021
Liquidity Ratio 11.3 11.3 12.9
Solvency Ratio 11.3 11.3 12.9
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 17-Aug-2025 17-Aug-2022 17-Aug-2021
Assets 54,091 54,091 54,335
Debt 4,786 4,786 4,203
Net Assets/Debt 49,305 49,305 50,132

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 has some deficiency. 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 has some deficiency. 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 has some deficiency. 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
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Document Filings
Confirmation statement made on 31 March 2026 with no updates
Confirmation statement made on 31 March 2025 with no updates
Change of details for Mr Brian Malachy O'neill as a person with significant control on 5 November 2024
Confirmation statement made on 31 March 2024 with no updates
Change of details for Mr Brian Malachy O'neill as a person with significant control on 9 December 2023
Director's details changed for Mr Brian Malachy O'neill on 18 October 2023
Registered office address changed from 3a Upper Dunmurry Lane Dunmurry Belfast BT17 0AA Northern Ireland to 3 Shrewsbury Gardens Belfast BT9 6PJ on 11 October 2023
Confirmation statement made on 31 March 2023 with no updates
Confirmation statement made on 31 March 2022 with no updates
Confirmation statement made on 31 March 2021 with no updates
Confirmation statement made on 31 March 2020 with no updates
Confirmation statement made on 31 March 2019 with no updates
Confirmation statement made on 31 March 2018 with updates
Notification of Brian Malachy O'neill as a person with significant control on 6 April 2017
Cessation of Michael Mcguiggan as a person with significant control on 6 April 2017
Resolutions
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