Company Overview
Aspects Financial Ltd is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Tuesday 27 May 2008, so this is a well established company. Aspects Financial Ltd has been in business for 17 years and 10 months. The accounts status is small and the accounts are next due on Wednesday 31 December 2025.
Registered Address

24 Shore Road, Holywood, County Down, BT18 9HX
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Companies House Data
Company NameASPECTS FINANCIAL LTD
Company NumberNI069363
Registered Office Address24 Shore Road
 BT18 9HX
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date27/05/2008
Accounting Reference Date Day31
Accounting Reference Date Month3
Accounts Next Due Date31/12/2026
Accounts Last Made Up Date31/03/2025
Accounts Account CategorySMALL
Returns Next Due Date24/06/2017
Returns Last Made Up Date27/05/2016
Previous Company NameChanged Date
HUGHES FINANCIAL SERVICES LTD12 Dec 2016
Directors & Members
Show Resigned
John Casey - Director
(British, 63 years old, born November 1963)
Appointed 20 May 2010
 Active
David Kelly - Director
(British, 48 years old, born November 1978)
Appointed 12 June 2024
 Active
David Ralston - Director
(British, 53 years old, born October 1973)
Appointed 27 May 2010
 Active
James Twining - Director
(British, 54 years old, born December 1972)
Appointed 31 May 2023
 Active
Secretaries
Show Resigned
Other Company Directorships
John Casey
RALSTON BENNETT FINANCIAL PLANNING LIMITED
David Kelly
ACTIVE WEALTH MANAGEMENT LIMITED
BMMG HOLDINGS LIMITED
BOOKEEPING ADMINISTRATION SERVICES LIMITED
BPM HOLDINGS (2015) LIMITED
BROADWAY FINANCIAL PLANNING LTD
BRUNSDON FINANCIAL SERVICES HOLDINGS LIMITED
BRUNSDON FINANCIAL SERVICES LIMITED
CITY FINANCIAL (ABERDEEN) HOLDINGS LIMITED
CITY FINANCIAL (ABERDEEN) LIMITED
D A OWEN FINANCIAL SERVICES LIMITED
ENSCO 1084 LIMITED
ENSCO FINANCIAL PLANNING LIMITED
EVANS HART LIMITED
HOWE MAXTED GROUP LIMITED
IN FOCUS ASSET MANAGEMENT AND TAX SOLUTIONS LIMITED
INFOCUS SOLUTIONS LIMITED
INVESTMENT CHOICES WEALTH MANAGEMENT LTD
JLS ASSOCIATES INDEPENDENT FINANCIAL ADVISERS LIMITED
JOHN MCNULTY WEALTH MANAGEMENT LIMITED
KEITH STOCKDALE AND COMPANY LIMITED
KINGSWOOD CONSULTANTS LIMITED
LAW ELLIS WEALTH MANAGEMENT LIMITED
MACKENZIE TAYLOR ASSET MANAGEMENT LIMITED
MAXTED MORRISON & CO. LIMITED
MESSER & MATTHEWS LIMITED
QUATTRO WEALTH LIMITED
ROBSON CAVE & ASSOCIATES LIMITED
ROTHESAY INTELLIGENT FINANCIAL SERVICES LTD
SENTINEL PRIVATE CLIENTS LIMITED
STOCK A M LTD
T W FINANCIAL PLANNING LTD
WESTMINCO LIMITED
WREN STERLING EBT LIMITED
WREN STERLING FINANCIAL PLANNING LIMITED
David Ralston
RALSTON BENNETT FINANCIAL PLANNING LIMITED
RKB SERVICES LIMITED
James Twining
BATSON BIDCO LIMITED
BATSON MIDCO LIMITED
D A OWEN FINANCIAL SERVICES LIMITED
DINGHY LIMITED
DINGHY UK LIMITED
ENSCO 1084 LIMITED
INFOCUS SOLUTIONS LIMITED
JLT GROUP HOLDINGS LIMITED
JLT RE LIMITED
JLT WEALTH MANAGEMENT LIMITED
KEITH STOCKDALE AND COMPANY LIMITED
KINGSBRIDGE GROUP LIMITED
KINGSBRIDGE TECHNOLOGY LIMITED
KRS LION BIDCO LIMITED
LARSEN HOWIE GROUP LIMITED
LARSEN HOWIE LIMITED
MAGNUS FINANCIAL DISCRETIONARY MANAGEMENT LIMITED
MARSH MCLENNAN INDIA LIMITED
MERCHANT TAYLORS' SCHOOL
QUATTRO WEALTH LIMITED
SOAR NEWCO LIMITED
ST. CHRISTOPHER'S SCHOOL (HAMPSTEAD) LIMITED
THE ENGLISH HERITAGE TRUST
THISTLE INSURANCE SERVICES LIMITED
TROOP CREATIVE DEVELOPMENT LTD
WREN STERLING EBT LIMITED
WREN STERLING FINANCIAL PLANNING LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Mar-2025 30-Apr-2023 30-Apr-2022
Balance Sheet
Fixed Assets 265 265 1,040
Current Assets 451,914 451,914 473,378
Creditors Due Within One Year 36,632 36,632 55,607
Working Cap 415,282 415,282 417,771
Total Assets Less Current Liabilities 415,547 415,547 418,811
Long-term Liabilities 0 0 59
Net Assets 415,547 415,547 418,752
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 415,547 415,547 418,752
Common Size Financial Analysis Unlock full report
Accounts Date 31-Mar-2025 30-Apr-2023 30-Apr-2022
Tangible Fixed Assets - - -
Fixed Assets 0.1% 0.1% 0.2%
Stocks Inventory - - -
Debtors - - -
Cash Bank In Hand - - -
Current Assets 99.9% 99.9% 99.8%
Creditors Due Within One Year 8.1% 8.1% 11.7%
Net Current Assets Liabilities 91.8% 91.8% 88.1%
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 91.9% 91.9% 88.3%
Capital Employed - - -
Total Assets Less Current Liabilities 91.9% 91.9% 88.3%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Mar-2025 30-Apr-2023 30-Apr-2022
Liquidity Ratio 12.3 12.3 8.5
Solvency Ratio 12.3 12.3 8.5
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-2025 30-Apr-2023 30-Apr-2022
Assets 452,179 452,179 474,418
Debt 36,632 36,632 55,666
Net Assets/Debt 415,547 415,547 418,752

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. 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. 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. 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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27 SHORE ROAD, HOLYWOOD, CO DOWN, BT18 9HX
SIXMILE DEVELOPMENTS LIMITED
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THE COVE GIFT SHOP LTD
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AQUILA INTERNATIONAL SERVICES LIMITED
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BUILDING DESIGN SERVICES (NI) LIMITED
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ENERGYSTORE LIMITED
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BACAR GROUP LIMITED
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T. OSCAR ROLLINS & CO., LIMITED
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Document Filings
Confirmation statement made on 29 April 2025 with no updates
Termination of appointment of Ian Stuart Darby as a director on 31 December 2024
Termination of appointment of Andrew John Moss as a director on 12 June 2024
Appointment of Mr David William Kelly as a director on 12 June 2024
Confirmation statement made on 1 May 2024 with updates
Notification of Wren Sterling Financial Planning Limited as a person with significant control on 31 May 2023
Cessation of John Stephen Casey as a person with significant control on 31 May 2023
Statement of capital following an allotment of shares on 31 May 2023
Resolutions
Memorandum and Articles of Association
Current accounting period shortened from 30 April 2024 to 31 March 2024
Appointment of Mr Andrew John Moss as a director on 31 May 2023
Appointment of Mr James Douglas Robert Twining as a director on 31 May 2023
Appointment of Mr Ian Stuart Darby as a director on 31 May 2023
Sub-division of shares on 31 May 2023
Confirmation statement made on 1 May 2023 with no updates
Confirmation statement made on 1 May 2022 with no updates
Confirmation statement made on 1 May 2021 with no updates
Confirmation statement made on 1 May 2020 with no updates
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