Company Overview
Rivers Finance Group Plc is listed at the official companies registry as Active Public Limited Company. The company was incorporated on Friday 18 October 2002, so this is a well established company. Rivers Finance Group Plc has been in business for 23 years and 5 months. The accounts status is group and the accounts are next due on Wednesday 30 September 2026.
Registered Address

Amba House, 15 College Road, Harrow, Middlesex, HA1 1BA
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Companies House Data
Company NameRIVERS FINANCE GROUP PLC
Company Number04567000
Registered Office AddressAmba House
 15 College Road
 HA1 1BA
Company CategoryPublic Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date18/10/2002
Accounting Reference Date Day31
Accounting Reference Date Month3
Accounts Next Due Date30/09/2026
Accounts Last Made Up Date31/03/2025
Accounts Account CategoryGROUP
Returns Next Due Date11/03/2017
Returns Last Made Up Date11/02/2016
Previous Company NameChanged Date
RIVERS FINANCE LIMITED23 Sep 2010
FLINT EDGE LIMITED28 Mar 2008
GRAPHITE EDGE LIMITED17 Jul 2006
RIMAS ASSOCIATES LIMITED22 Mar 2006
Directors & Members
Show Resigned
Stephen Bassett - Director
(British, 73 years old, born October 1953)
Appointed 02 November 2021
 Active
Ratankumar Daryani - Director
(British, 66 years old, born August 1960)
Appointed 10 February 2012
 Active
Michael Friend - Director
(British, 68 years old, born February 1958)
Appointed 27 August 2013
 Active
Secretaries
Show Resigned
John Nicholson - Secretary
Appointed 14 August 2013
 Active
Other Company Directorships
Stephen Bassett
ABC1234 LIMITED
AFPA TRUST LTD
ARKLE FINANCE LIMITED
BROADCASTLE FINANCE LIMITED
BROADCASTLE LIMITED
CHG-MERIDIAN CAPITAL LIMITED
FIRST BUSINESS SECURITIES LIMITED
GRESHAM FINANCE LTD
GRESHAM FINANCIAL SERVICES LIMITED
HALO CORPORATE FINANCE LIMITED
LEASE SUPPORT DESK LIMITED
LTI TECHNOLOGY SOLUTIONS LIMITED
MEDICAL EQUIPMENT FINANCE LIMITED
RIVERS LEASING PLC
SERVICIO EUROPE LTD
THE NATIONAL ASSOCIATION OF COMMERCIAL FINANCE BROKERS
UK LEASE IT LIMITED
WYSE FINANCE LTD
WYSE LEASING LIMITED
Ratankumar Daryani
BEFLATTERED.COM LIMITED
CLASSBOSS LIMITED
DEXERTO LTD
EFFECTIVE CLOTHING RETAIL LIMITED
EFFECTIVE COSMETICS RETAIL LIMITED
FLINT EDGE LIMITED
G.H. DARYANI & CO. LIMITED
LOMASHOME PROPERTY MANAGEMENT LIMITED
RIVERS FINANCE LIMITED
RIVERS FUNDING LIMITED
RIVERS LEASING PLC
RIVERS SPV 2 LIMITED
RIVERS SPV LIMITED
VICTORY CLOTHING & COSMETICS LIMITED
VICTORY CORPORATION LIMITED
VICTORY RETAIL LIMITED
VIE AT HOME (INTERNATIONAL) LIMITED
VIE AT HOME LIMITED
VIE COSMETICS (PURCHASING) LIMITED
VIE COSMETICS GROUP LIMITED
VIRGIN FINANCIAL SERVICES UK HOLDINGS LIMITED
VIRGIN START UP LIMITED
Michael Friend
ALGARVE GOLF COURSES LIMITED
BLACK RAVEN PROPERTIES PLC.
CATALUNYA GOLF LIMITED
COLLINGTREE PARK GOLF COURSE LIMITED
EF OVERSEAS LTD
EUROPEAN GOLF MANAGEMENT LIMITED
FIRST LEGAL COUNSEL LTD
MURRYHILL HOLDINGS LIMITED
NYCKELN PROPERTY COMPANY LIMITED
OPUS PROPERTY SERVICES UK LTD
PGA EUROPEAN TOUR PROPERTIES LIMITED
PGA EUROPEAN TOUR PROPERTY HOLDINGS LIMITED
PORTERS PARK GOLF CLUB LIMITED
RIVERS FINANCE LIMITED
RIVERS LEASING PLC
RIVERS SPV LIMITED
STOCKLEY PARK GOLF LIMITED
TUNGSTEN CAPITAL HOLDINGS LIMITED
TUNGSTEN CAPITAL UK LIMITED
TYTHERINGTON LIMITED
UNION SQUARE GOLF LIMITED
WOBURN GOLF CLUB LIMITED
WSM COMMUNICATIONS LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2016 31-Mar-2015
Balance Sheet
Fixed Assets 5,192,621 5,192,621 2,925,890
Current Assets 3,485,149 3,485,149 2,679,204
Creditors Due Within One Year 2,676,271 2,676,271 1,775,088
Working Cap 808,878 808,878 904,116
Total Assets Less Current Liabilities 6,001,499 6,001,499 3,830,006
Long-term Liabilities 5,627,720 5,627,720 3,596,761
Net Assets 373,779 373,779 233,245
Share Capital & Reserves
Share Cap 150,000 150,000 150,000
Profit & Loss Reserves 223,779 223,779 83,245
Other Reserves 0 0 0
Shareholders Funds 373,779 373,779 233,245
Common Size Financial Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2016 31-Mar-2015
Tangible Fixed Assets - - -
Fixed Assets 59.8% 59.8% 52.2%
Stocks Inventory 0.0% 0.0% 0.0%
Debtors 33.7% 33.7% 41.6%
Cash Bank In Hand 2.6% 2.6% 3.6%
Current Assets 40.2% 40.2% 47.8%
Creditors Due Within One Year 30.8% 30.8% 31.7%
Net Current Assets Liabilities 9.3% 9.3% 16.1%
Creditors Due After One Year 64.9% 64.9% 64.2%
Accruals Deferred Income - - -
Provisions For Liabilities Charges - - -
Net Assets Liabilities Including Pension Asset Liability 4.3% 4.3% 4.2%
Called Up Share Capital 1.7% 1.7% 2.7%
Share Capital Allotted Called Up Paid 1.7% 1.7% 2.7%
Profit Loss Account Reserve 2.6% 2.6% 1.5%
Shareholder Funds 4.3% 4.3% 4.2%
Capital Employed - - -
Total Assets Less Current Liabilities 69.2% 69.2% 68.3%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2016 31-Mar-2015
Liquidity Ratio 1.3 1.3 1.5
Solvency Ratio 1.0 1.0 1.0
Reserves to Assets 0.0 0.0 0.0
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 31-Mar-2016 31-Mar-2015
Assets 8,677,770 8,677,770 5,605,094
Debt 8,303,991 8,303,991 5,371,849
Net Assets/Debt 373,779 373,779 233,245

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 current section of the balance sheet has positive working capital. We would normally consider 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 as inferred by the balance sheet the amount of net assets represents a relatively small margin of cover over 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 current section of the balance sheet has positive working capital. We would normally consider 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 as inferred by the balance sheet the amount of net assets represents a relatively small margin of cover over 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 current section of the balance sheet has positive working capital. We would normally consider 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 as inferred by the balance sheet the amount of net assets represents a relatively small margin of cover over 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 8 February 2026 with updates
Director's details changed for Mr Michael David Friend on 19 December 2025
Confirmation statement made on 8 February 2025 with updates
Confirmation statement made on 8 February 2024 with updates
Notification of G H Daryani & Co. Limited as a person with significant control on 8 February 2024
Change of details for Mr Ratankumar Daryani as a person with significant control on 8 February 2024
Confirmation statement made on 14 February 2023 with updates
Confirmation statement made on 14 February 2022 with updates
Appointment of Mr Stephen Charles Bassett as a director on 2 November 2021
Memorandum and Articles of Association
Resolutions
Statement of capital following an allotment of shares on 27 May 2021
Memorandum and Articles of Association
Resolutions
Resolutions
Change of share class name or designation
Particulars of variation of rights attached to shares
Confirmation statement made on 14 February 2021 with no updates
Confirmation statement made on 14 February 2020 with updates
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