Company Overview
Financial Options Ltd is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Friday 24 February 2012, so this is a well established company. Financial Options Ltd has been in business for 14 years and 1 month. The accounts status is micro entity and the accounts are next due on Monday 30 November 2026.
Registered Address

38 Gortin Road, Omagh, BT79 7HX
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Companies House Data
Company NameFINANCIAL OPTIONS LTD
Company NumberNI611402
Registered Office Address38 Gortin Road
 BT79 7HX
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date24/02/2012
Accounting Reference Date Day29
Accounting Reference Date Month2
Accounts Next Due Date30/11/2026
Accounts Last Made Up Date28/02/2025
Accounts Account CategoryMICRO ENTITY
Returns Next Due Date17/02/2017
Returns Last Made Up Date20/01/2016
Previous Company NameChanged Date
PATTERSON FINANCIAL LTD07 Jan 2016
MPF COMMERCIAL SOLUTIONS LTD17 Dec 2014
PKP FINANCIAL LTD13 Jun 2014
Directors & Members
Show Resigned
Mark Patterson - Director
(British, 60 years old, born February 1966)
Appointed 04 September 2020
 Active
Secretaries
No Secretaries Appointed
Other Company Directorships
Mark Patterson
AG CAPITAL LTD
BERESFORD ROW ASSOCIATES LTD
FINANCIAL MATTERS (NI) LIMITED
FINANCIAL MATTERS LTD
GDP PARTNERSHIP LIMITED
JGQ (NO. 1) LIMITED
JGQ (NO. 2) LIMITED
JGQ (NO. 3) LIMITED
MOORGATE FINANCE IRELAND LIMITED
MORTGAGES DIRECT (NI) LIMITED
MOY EQUESTRIAN CENTRE LIMITED
NEW GENERATION AGRICULTURE LTD
NORTHERN COMMERCIAL FINANCE LTD
SHARMONT PROPERTY DEVELOPMENTS LIMITED
THE GROVE EQUINE SPA LTD
THE MORTGAGE + LIFE ASSURANCE SHOP LTD
THE STABLES MOY LTD
TYRONE EQUICENTRE LTD
Balance Sheet Unlock full report
Accounts Date 28-Feb-2025 28-Feb-2021 28-Feb-2020
Balance Sheet
Fixed Assets 3,968 3,968 3,968
Current Assets 108,842 108,842 63,842
Creditors Due Within One Year 45,071 45,071 45,071
Working Cap 63,771 63,771 18,771
Total Assets Less Current Liabilities 67,739 67,739 22,739
Long-term Liabilities 45,000 45,000 0
Net Assets 22,739 22,739 22,739
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 22,739 22,739 22,739
Common Size Financial Analysis Unlock full report
Accounts Date 28-Feb-2025 28-Feb-2021 28-Feb-2020
Tangible Fixed Assets - - -
Fixed Assets 3.5% 3.5% 5.9%
Stocks Inventory - - -
Debtors - - -
Cash Bank In Hand - - -
Current Assets 96.5% 96.5% 94.1%
Creditors Due Within One Year 40.0% 40.0% 66.5%
Net Current Assets Liabilities 56.5% 56.5% 27.7%
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 20.2% 20.2% 33.5%
Capital Employed - - -
Total Assets Less Current Liabilities 60.0% 60.0% 33.5%
Financial Ratio Analysis Unlock full report
Accounts Date 28-Feb-2025 28-Feb-2021 28-Feb-2020
Liquidity Ratio 2.4 2.4 1.4
Solvency Ratio 1.3 1.3 1.5
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 28-Feb-2025 28-Feb-2021 28-Feb-2020
Assets 112,810 112,810 67,810
Debt 90,071 90,071 45,071
Net Assets/Debt 22,739 22,739 22,739

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. The amount of net assets suggests sufficient cover for total debts and obligations for the size of the company inferred by the balance sheet.

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. The amount of net assets suggests sufficient cover for total debts and obligations for the size of the company inferred by the balance sheet.   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. The amount of net assets suggests sufficient cover for total debts and obligations for the size of the company inferred by the balance sheet.

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 20 November 2025 with no updates
Confirmation statement made on 20 November 2024 with no updates
Registered office address changed from 30B Gortin Road Omagh BT79 7HX Northern Ireland to 38 Gortin Road Omagh BT79 7HX on 5 April 2024
Confirmation statement made on 20 November 2023 with no updates
Compulsory strike-off action has been discontinued
Confirmation statement made on 20 November 2022 with no updates
Compulsory strike-off action has been suspended
First Gazette notice for compulsory strike-off
Confirmation statement made on 20 November 2021 with no updates
Confirmation statement made on 20 November 2020 with updates
Notification of Mark Patterson as a person with significant control on 7 November 2020
Cessation of Jessica Lynn Patterson as a person with significant control on 7 November 2020
Termination of appointment of Jessica Lynn Patterson as a director on 4 September 2020
Appointment of Mr Mark Alexander Patterson as a director on 4 September 2020
Confirmation statement made on 13 May 2020 with updates
Notification of Jessica Patterson as a person with significant control on 4 December 2019
Cessation of Mark Alexander Patterson as a person with significant control on 4 December 2019
Confirmation statement made on 20 January 2020 with no updates
Appointment of Miss Jessica Lynn Patterson as a director on 4 December 2019
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