Company Overview
Gerrard Stuart Financial Services Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Tuesday 10 December 1996, so this is a well established company. Gerrard Stuart Financial Services Limited has been in business for 29 years and 3 months. The accounts status is total exemption full and the accounts are next due on Wednesday 30 September 2026.
Registered Address

Edmund House, Rugby Road, Leamington Spa, Warwickshire, CV32 6EL
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Companies House Data
Company NameGERRARD STUART FINANCIAL SERVICES LIMITED
Company Number03290059
Registered Office AddressEdmund House
 Rugby Road
 CV32 6EL
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date10/12/1996
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 Date07/01/2017
Returns Last Made Up Date10/12/2015
Directors & Members
Show Resigned
John Davies - Director
(British, 73 years old, born October 1953)
Appointed 21 June 2002
 Active
Michael De Minckwitz - Director
(British, 65 years old, born June 1961)
Appointed 17 November 1998
 Active
Andrew Pitman - Director
(British, 63 years old, born March 1963)
Appointed 10 December 1996
 Active
Secretaries
Show Resigned
Michael De Minckwitz - Secretary
Appointed 28 November 2011
 Active
Other Company Directorships
John Davies
AVONHURST INVESTMENT BROKERS LIMITED
GERRARD STUART HOLDINGS LIMITED
GREY MILL SERVICES LIMITED
MACKENZIE GIBSON LIMITED
MARSHALL JAMES LIMITED
ROBERT HOWELL LIMITED
ST PETERS STUDENT ACCOMMODATION LIMITED
ST. PETER'S URBAN VILLAGE TRUST
WROXALL PRIVATE OFFICE LIMITED
Michael De Minckwitz
2E CAPITAL MANAGEMENT LIMITED
AVONHURST INVESTMENT BROKERS LIMITED
BRITISH CONSULTANCY CHARITABLE TRUST
BRITISH CONSULTANCY LIMITED
CENTRIC (UK) LIMITED
FOOTMAN JAMES HOWELL LIMITED
GERRARD STUART HOLDINGS LIMITED
GOURMET FOODS HOLDINGS LIMITED
GOURMET FOODS LIMITED
HOMESNOW (INNOVATION) LTD
MACKENZIE GIBSON LIMITED
MARSHALL JAMES LIMITED
MY PURPOSE LTD
ROBERT HOWELL LIMITED
WROXALL ESTATES LIMITED
WROXALL PRIVATE OFFICE LIMITED
Andrew Pitman
A.C. SOVEREIGN FINANCIAL SERVICES LIMITED
AVONHURST INVESTMENT BROKERS LIMITED
FUNDI FINANCIAL LIMITED
FUNDI HOLDINGS LIMITED
GERRARD STUART HOLDINGS LIMITED
LANESMOOR LIMITED
MARSHALL JAMES LIMITED
ROBERT HOWELL LIMITED
TERREW MANAGEMENT LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Balance Sheet
Fixed Assets 2,779 2,779 4,708
Current Assets 434,455 434,455 504,269
Creditors Due Within One Year 16,303 16,303 96,969
Working Cap 418,152 418,152 407,300
Total Assets Less Current Liabilities 420,931 420,931 412,008
Long-term Liabilities 0 0 0
Net Assets 420,931 420,931 412,008
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 420,931 420,931 412,008
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Tangible Fixed Assets - - -
Fixed Assets 0.6% 0.6% 0.9%
Stocks Inventory - - -
Debtors 4.4% 4.4% 6.3%
Cash Bank In Hand 95.0% 95.0% 92.7%
Current Assets 99.4% 99.4% 99.1%
Creditors Due Within One Year 3.7% 3.7% 19.1%
Net Current Assets Liabilities 95.6% 95.6% 80.0%
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 96.3% 96.3% 80.9%
Capital Employed - - -
Total Assets Less Current Liabilities 96.3% 96.3% 80.9%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Liquidity Ratio 26.6 26.6 5.2
Solvency Ratio 26.8 26.8 5.2
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 2
Mortgages Outstanding 0
Mortgages Part Satisfied 0
Mortgages Satisfied 2
Assets and Debt Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Assets 437,234 437,234 508,977
Debt 16,303 16,303 96,969
Net Assets/Debt 420,931 420,931 412,008

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 appeared positive. We would normally view a company positively for this. 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 appeared positive. We would normally view a company positively for this. 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 appeared positive. We would normally view a company positively for this. 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
Director's details changed for Mr John Robert Collis Davies on 10 October 2025
Confirmation statement made on 10 December 2025 with no updates
Confirmation statement made on 10 December 2024 with no updates
Confirmation statement made on 10 December 2023 with no updates
Satisfaction of charge 1 in full
Satisfaction of charge 2 in full
Confirmation statement made on 10 December 2022 with no updates
Confirmation statement made on 10 December 2021 with no updates
Director's details changed for Mr Andrew Gerrard Pitman on 24 June 2021
Confirmation statement made on 10 December 2020 with no updates
Confirmation statement made on 10 December 2019 with no updates
Confirmation statement made on 10 December 2018 with no updates
Confirmation statement made on 10 December 2017 with no updates
Confirmation statement made on 10 December 2016 with updates
Annual return made up to 10 December 2015 with full list of shareholders
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