Company Overview
Td Financial Ltd is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Monday 14 November 2005, so this is a well established company. Td Financial Ltd has been in business for 20 years and 4 months. The accounts status is total exemption full and the accounts are next due on Saturday 31 October 2026.
Registered Address

9 Museum Place, Cardiff, CF10 3BD
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Companies House Data
Company NameTD FINANCIAL LTD
Company Number05622290
Registered Office Address9 Museum Place
 CF10 3BD
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date14/11/2005
Accounting Reference Date Day31
Accounting Reference Date Month1
Accounts Next Due Date31/10/2026
Accounts Last Made Up Date31/01/2025
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date12/12/2016
Returns Last Made Up Date14/11/2015
Previous Company NameChanged Date
THOMAS DUFFY LTD31 Mar 2022
FOCUS ON MORTGAGES LTD22 Nov 2011
Directors & Members
Jason Thomas-Duffy - Director
(British, 49 years old, born April 1977)
Appointed 14 November 2005
 Active
Secretaries
Show Resigned
Other Company Directorships
Jason Thomas-Duffy
NUTMEG BEAUTY LIMITED
TD PROPERTY (CARDIFF) LTD
Balance Sheet Unlock full report
Accounts Date 31-Jan-2025 31-Jan-2023 31-Jan-2022
Balance Sheet
Fixed Assets 13,332 13,332 11,683
Current Assets 198,004 198,004 169,300
Creditors Due Within One Year 41,882 41,882 35,818
Working Cap 156,122 156,122 133,482
Total Assets Less Current Liabilities 169,454 169,454 145,165
Long-term Liabilities 48,910 48,910 59,155
Net Assets 120,544 120,544 86,010
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 120,544 120,544 86,010
Common Size Financial Analysis Unlock full report
Accounts Date 31-Jan-2025 31-Jan-2023 31-Jan-2022
Tangible Fixed Assets - - -
Fixed Assets 6.3% 6.3% 6.5%
Stocks Inventory - - -
Debtors 21.5% 21.5% 29.1%
Cash Bank In Hand 72.2% 72.2% 64.5%
Current Assets 93.7% 93.7% 93.5%
Creditors Due Within One Year 19.8% 19.8% 19.8%
Net Current Assets Liabilities 73.9% 73.9% 73.8%
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 57.0% 57.0% 47.5%
Capital Employed - - -
Total Assets Less Current Liabilities 80.2% 80.2% 80.2%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Jan-2025 31-Jan-2023 31-Jan-2022
Liquidity Ratio 4.7 4.7 4.7
Solvency Ratio 2.3 2.3 1.9
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-Jan-2025 31-Jan-2023 31-Jan-2022
Assets 211,336 211,336 180,983
Debt 90,792 90,792 94,973
Net Assets/Debt 120,544 120,544 86,010

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
Confirmation statement made on 3 March 2026 with no updates
Termination of appointment of Julie Melissa Hullin as a secretary on 3 March 2026
Confirmation statement made on 3 March 2025 with no updates
Confirmation statement made on 3 March 2024 with no updates
Secretary's details changed for Julie Melissa Hullin on 23 May 2023
Director's details changed for Mr Jason Michael Thomas-Duffy on 23 May 2023
Change of details for Mr Jason Michael Thomas-Duffy as a person with significant control on 23 May 2023
Confirmation statement made on 3 March 2023 with no updates
Director's details changed for Mr Jason Michael Thomas-Duffy on 20 April 2022
Secretary's details changed for Julie Melissa Hullin on 20 April 2022
Registered office address changed from 16 Museum Place Cardiff CF10 3BH to 9 Museum Place Cardiff CF10 3BD on 31 March 2022
Certificate of change of name
Confirmation statement made on 3 March 2022 with no updates
Confirmation statement made on
Statement of capital following an allotment of shares on 1 January 2021
Confirmation statement made on 14 November 2020 with no updates
Confirmation statement made on 14 November 2019 with no updates
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