Company Overview
David Kneale Financial Management Ltd. is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Thursday 16 October 2003, so this is a well established company. David Kneale Financial Management Ltd. has been in business for 22 years and 5 months. The accounts status is total exemption full and the accounts are next due on Wednesday 30 September 2026.
Registered Address

1 Aalborg Place, Lancaster, LA1 1BJ
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Companies House Data
Company NameDAVID KNEALE FINANCIAL MANAGEMENT LTD.
Company Number04934070
Registered Office Address1 Aalborg Place
 LA1 1BJ
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date16/10/2003
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 Date13/11/2016
Returns Last Made Up Date16/10/2015
Directors & Members
Show Resigned
Gary Lane - Director
(British, 57 years old, born May 1969)
Appointed 16 October 2003
 Active
Secretaries
Show Resigned
Gary Lane - Secretary
Appointed 01 January 2013
 Active
Other Company Directorships
Gary Lane
3 & 4 LAKE VIEW VILLAS LIMITED
GELCO FINANCIAL LIMITED
INZA LIMITED
PEONY LANE LTD
STEVIE CARROLL LIMITED
VATINZA LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Balance Sheet
Fixed Assets 0 0 0
Current Assets 773,880 773,880 694,475
Creditors Due Within One Year 139,628 139,628 168,310
Working Cap 634,252 634,252 526,165
Total Assets Less Current Liabilities 634,252 634,252 526,165
Long-term Liabilities 30,840 30,840 38,447
Net Assets 603,412 603,412 487,718
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 603,412 603,412 487,718
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Tangible Fixed Assets - - -
Fixed Assets 0.0% 0.0% 0.0%
Stocks Inventory - - -
Debtors 79.6% 79.6% 86.6%
Cash Bank In Hand 7.5% 7.5% 13.4%
Current Assets 100.0% 100.0% 100.0%
Creditors Due Within One Year 18.0% 18.0% 24.2%
Net Current Assets Liabilities 82.0% 82.0% 75.8%
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 78.0% 78.0% 70.2%
Capital Employed - - -
Total Assets Less Current Liabilities 82.0% 82.0% 75.8%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Liquidity Ratio 5.5 5.5 4.1
Solvency Ratio 4.5 4.5 3.4
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 1
Mortgages Outstanding 0
Mortgages Part Satisfied 0
Mortgages Satisfied 1
Assets and Debt Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Assets 773,880 773,880 694,475
Debt 170,468 170,468 206,757
Net Assets/Debt 603,412 603,412 487,718

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
Other Business around LA1 1BJ
BLACKHURST SWAINSON GOODIER LLP
3&4 AALBORG SQUARE, LANCASTER, LA1 1BJ
Document Filings
Confirmation statement made on 6 October 2025 with no updates
Change of details for Gelco Financial Limited as a person with significant control on 9 October 2025
Director's details changed for Mr Gary Edward Lane on 9 October 2025
Confirmation statement made on 6 October 2024 with updates
Confirmation statement made on 6 October 2023 with updates
Director's details changed for Mr Gary Edward Lane on 16 May 2023
Confirmation statement made on 6 October 2022 with updates
Director's details changed for Mr Gary Edward Lane on 23 December 2021
Director's details changed for Mr Gary Edward Lane on 1 March 2022
Change of details for Gelco Financial Limited as a person with significant control on 1 March 2022
Registered office address changed from 1 1 Aalborg Place Lancaster LA1 1BJ England to 1 Aalborg Place Lancaster LA1 1BJ on 25 February 2022
Registered office address changed from 1 Aalborg Place 1 Aalborg Place Lancaster LA1 1BJ England to 1 1 Aalborg Place Lancaster LA1 1BJ on 25 February 2022
Registered office address changed from 78 Church Street Lancaster Lancashire LA1 1ET to 1 Aalborg Place 1 Aalborg Place Lancaster LA1 1BJ on 25 February 2022
Confirmation statement made on 6 October 2021 with updates
Director's details changed for Mr Gary Edward Lane on 8 October 2021
Termination of appointment of Stephen John Garner as a director on 24 May 2021
Notification of Gelco Financial Limited as a person with significant control on 15 January 2021
Cessation of Gary Edward Lane as a person with significant control on 15 January 2021
Confirmation statement made on 6 October 2020 with no updates
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