Company Overview
Kelvin Smith Financial Planning Ltd. is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Friday 03 March 2006, so this is a well established company. Kelvin Smith Financial Planning Ltd. has been in business for 20 years and 1 month. The accounts status is micro entity and the accounts are next due on Wednesday 31 December 2025.
Registered Address

The Sinclair Building 2Nd Floor, 18-20 Eagle Street, Glasgow, G4 9XA
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Companies House Data
Company NameKELVIN SMITH FINANCIAL PLANNING LTD.
Company NumberSC298147
Registered Office AddressThe Sinclair Building 2nd Floor
 18-20 Eagle Street
 G4 9XA
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date03/03/2006
Accounting Reference Date Day31
Accounting Reference Date Month3
Accounts Next Due Date31/12/2025
Accounts Last Made Up Date31/03/2024
Accounts Account CategoryMICRO ENTITY
Returns Next Due Date31/03/2017
Returns Last Made Up Date03/03/2016
Previous Company NameChanged Date
G45 PROPERTIES LTD07 Jan 2015
Directors & Members
Show Resigned
Helen Fergus - Director
(British, 54 years old, born November 1972)
Appointed 27 August 2024
 Active
Stuart MacKenzie - Director
(British, 70 years old, born December 1956)
Appointed 11 March 2019
 Active
Per Oszadlik - Director
(Danish, 79 years old, born April 1947)
Appointed 13 November 2015
 Active
Stephen Travers - Director
(British, 63 years old, born September 1963)
Appointed 03 March 2006
 Active
Secretaries
Show Resigned
Other Company Directorships
Helen Fergus
NEILSTON DEVELOPMENT TRUST
Stuart MacKenzie
No companies found
Per Oszadlik
EVOLVE ACCOUNTANCY LIMITED
KERR ACCOUNTANCY (GLASGOW) LIMITED
Stephen Travers
HTH SCOTLAND LIMITED
IMITED LIMITED
KELVIN SMITH (INSURANCE BROKERS) LIMITED
LISNASHANA LIMITED
LOUD N PROUD
PLUMBSTORE (PLUMBING + HEATING SUPPLIES) LTD.
TEN PER CENT RENT LIMITED
THEM PROPERTIES LLP
WAVERLEY PROPERTY CO. LTD.
Balance Sheet Unlock full report
Accounts Date 31-Mar-2024 31-Mar-2022 31-Mar-2021
Balance Sheet
Fixed Assets 43 43 56
Current Assets 210,472 210,472 231,457
Creditors Due Within One Year 73,113 73,113 84,421
Working Cap 137,359 137,359 147,036
Total Assets Less Current Liabilities 137,402 137,402 147,092
Long-term Liabilities 52,379 52,379 51,930
Net Assets 85,023 85,023 95,162
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 85,023 85,023 95,162
Common Size Financial Analysis Unlock full report
Accounts Date 31-Mar-2024 31-Mar-2022 31-Mar-2021
Tangible Fixed Assets - - -
Fixed Assets 0.0% 0.0% 0.0%
Stocks Inventory - - -
Debtors - - -
Cash Bank In Hand - - -
Current Assets 100.0% 100.0% 100.0%
Creditors Due Within One Year 34.7% 34.7% 36.5%
Net Current Assets Liabilities 65.2% 65.2% 63.5%
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 40.4% 40.4% 41.1%
Capital Employed - - -
Total Assets Less Current Liabilities 65.3% 65.3% 63.5%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Mar-2024 31-Mar-2022 31-Mar-2021
Liquidity Ratio 2.9 2.9 2.7
Solvency Ratio 1.7 1.7 1.7
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-2024 31-Mar-2022 31-Mar-2021
Assets 210,515 210,515 231,513
Debt 125,492 125,492 136,351
Net Assets/Debt 85,023 85,023 95,162

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 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 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 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 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 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
Confirmation statement made on 19 June 2025 with no updates
Appointment of Mrs Helen Fay Fergus as a director on 27 August 2024
Confirmation statement made on 19 June 2024 with no updates
Director's details changed for Mr Stephen Michael Travers on 2 April 2024
Change of details for Mr Stephen Michael Travers as a person with significant control on 2 April 2024
Confirmation statement made on 22 June 2023 with no updates
Confirmation statement made on 22 June 2022 with no updates
Notification of Stuart Kenneth Mackenzie as a person with significant control on 1 April 2021
Change of details for Mr Stephen Michael Travers as a person with significant control on 1 April 2021
Confirmation statement made on 22 June 2021 with updates
Registered office address changed from 34 Stanley Street Kinning Park Glasgow G41 1JB to The Sinclair Building 2nd Floor 18-20 Eagle Street Glasgow G4 9XA on 30 March 2021
Confirmation statement made on 7 February 2021 with no updates
Confirmation statement made on 7 February 2020 with no updates
Appointment of Mr Stuart Kenneth Mackenzie as a director on 11 March 2019
Confirmation statement made on 7 February 2019 with updates
Confirmation statement made on 7 February 2018 with no updates
Confirmation statement made on 7 February 2017 with updates
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