Company Overview
Savvy Finance Group Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Thursday 11 January 2007, so this is a well established company. Savvy Finance Group Limited has been in business for 19 years and 2 months. The accounts status is small and the accounts are next due on Sunday 31 May 2026.
Registered Address

1St Floor High Bank House, Exchange Street, Stockport, SK3 0ET
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Companies House Data
Company NameSAVVY FINANCE GROUP LIMITED
Company Number06048737
Registered Office Address1st Floor High Bank House
 Exchange Street
 SK3 0ET
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date11/01/2007
Accounting Reference Date Day31
Accounting Reference Date Month8
Accounts Next Due Date31/05/2026
Accounts Last Made Up Date31/08/2024
Accounts Account CategorySMALL
Returns Next Due Date24/04/2017
Returns Last Made Up Date27/03/2016
Previous Company NameChanged Date
SAVVY FINANCE GROUP LIMITED08 Jul 2025
VALOUR GROUP (UK) PLC15 Feb 2023
VALOUR FINANCE GROUP LIMITED07 Jul 2016
Directors & Members
Show Resigned
Mark Bowker - Director
(British, 55 years old, born September 1971)
Appointed 11 January 2007
 Active
Secretaries
Show Resigned
Other Company Directorships
Mark Bowker
CLOUD DOCUMENT HOSTING LIMITED
DEBT CLEVER FINANCIAL MANAGEMENT LIMITED
ESPRIT CLINICS LIMITED
HELP 2 CLAIM.BIZ LIMITED
LEADS WAREHOUSE LIMITED
MHS MARKETING 17 LIMITED
RE-FI UK LIMITED
SAVVY LENDER SERVICES LIMITED
SRC EUROPE LIMITED
STRESS FREE MARKETING LIMITED
THE CLAIM PEOPLE LIMITED
VALOUR COLLECTIONS LIMITED
VALOUR FINANCE LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Aug-2024 30-Jun-2022 30-Jun-2021
Balance Sheet
Fixed Assets 2 2 2
Current Assets 333,412 333,412 241,573
Creditors Due Within One Year 199,233 199,233 102,286
Working Cap 134,179 134,179 139,287
Total Assets Less Current Liabilities 134,181 134,181 139,289
Long-term Liabilities 0 0 0
Net Assets 134,181 134,181 139,289
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 134,181 134,181 139,289
Common Size Financial Analysis Unlock full report
Accounts Date 31-Aug-2024 30-Jun-2022 30-Jun-2021
Tangible Fixed Assets - - -
Fixed Assets 0.0% 0.0% 0.0%
Stocks Inventory - - -
Debtors 99.9% 99.9% 99.8%
Cash Bank In Hand 0.1% 0.1% 0.2%
Current Assets 100.0% 100.0% 100.0%
Creditors Due Within One Year 59.8% 59.8% 42.3%
Net Current Assets Liabilities 40.2% 40.2% 57.7%
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 40.2% 40.2% 57.7%
Capital Employed - - -
Total Assets Less Current Liabilities 40.2% 40.2% 57.7%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Aug-2024 30-Jun-2022 30-Jun-2021
Liquidity Ratio 1.7 1.7 2.4
Solvency Ratio 1.7 1.7 2.4
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 3
Mortgages Outstanding 0
Mortgages Part Satisfied 0
Mortgages Satisfied 3
Assets and Debt Analysis Unlock full report
Accounts Date 31-Aug-2024 30-Jun-2022 30-Jun-2021
Assets 333,414 333,414 241,575
Debt 199,233 199,233 102,286
Net Assets/Debt 134,181 134,181 139,289

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. 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 has some deficiency. 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 has some deficiency. 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 SK3 0ET
RM PROPERTY AND FACILITIES SOLUTIONS LIMITED
HIGHBANK HOUSE, EXCHANGE STREET, STOCKPORT, CHESHIRE, SK3 0ET
ESPRIT CLINICS LIMITED
1ST FLOOR, EXCHANGE STREET, STOCKPORT, SK3 0ET
SAVVY LENDER SERVICES LIMITED
1ST FLOOR HIGHBANK HOUSE, EXCHANGE STREET, STOCKPORT, SK3 0ET
VALOUR COLLECTIONS LIMITED
1ST FLOOR HIGHBANK HOUSE, EXCHANGE STREET, STOCKPORT, SK3 0ET
ROMEC ENTERPRISES LIMITED
Highbank House, Exchange Street, Stockport, Cheshire, SK3 0ET
Document Filings
Confirmation statement made on 10 February 2026 with updates
Notification of Alexander Nevinskiy as a person with significant control on 31 October 2025
Notification of Aleksandr Gerasev as a person with significant control on 31 October 2025
Cessation of Mark Anthony Bowker as a person with significant control on 31 October 2025
Certificate of change of name
Satisfaction of charge 060487370003 in full
Confirmation statement made on 27 April 2025 with no updates
Termination of appointment of Luke Jonathan Bowker as a director on 25 April 2025
Previous accounting period extended from 30 June 2024 to 31 August 2024
Certificate of re-registration from Public Limited Company to Private
Re-registration from a public company to a private limited company
Re-registration of Memorandum and Articles
Resolutions
Resolutions
Memorandum and Articles of Association
Resolutions
Memorandum and Articles of Association
Confirmation statement made on 27 April 2024 with no updates
Director's details changed for Mr Mark Anthony Bowker on 30 June 2023
Change of details for Mr Mark Anthony Bowker as a person with significant control on 30 June 2023
Confirmation statement made on 27 April 2023 with no updates
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