Company Overview
Smart Moves Financial Services Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Wednesday 10 October 2007, so this is a well established company. Smart Moves Financial Services Limited has been in business for 18 years and 5 months. The accounts status is micro entity and the accounts are next due on Wednesday 31 December 2025.
Registered Address

7 Victoria Road, Victoria Road, Tamworth, B79 7HS
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Companies House Data
Company NameSMART MOVES FINANCIAL SERVICES LIMITED
Company Number06394772
Registered Office Address7 Victoria Road
 Victoria Road
 B79 7HS
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date10/10/2007
Accounting Reference Date Day31
Accounting Reference Date Month3
Accounts Next Due Date31/12/2025
Accounts Last Made Up Date31/03/2024
Accounts Account CategoryMICRO ENTITY
Returns Next Due Date07/11/2016
Returns Last Made Up Date10/10/2015
Previous Company NameChanged Date
SMART MOVES (MORTGAGES) LIMITED09 Oct 2020
Directors & Members
Show Resigned
Mark Ford - Director
(British, 73 years old, born October 1953)
Appointed 21 August 2008
 Active
Rachel Woodward - Director
(British, 46 years old, born June 1980)
Appointed 10 October 2007
 Active
Secretaries
Show Resigned
Other Company Directorships
Mark Ford
GRANT MCKNIGHT BUSINESS CONSULTANCY LTD
ORBIS 5 LIMITED
VIDA INVESTMENT PROPERTIES LIMITED
Rachel Woodward
GMK WEALTH LIMITED
GRANT MCKNIGHT BUSINESS CONSULTANCY LTD
Balance Sheet Unlock full report
Accounts Date 31-Mar-2024 31-Mar-2022 31-Mar-2021
Balance Sheet
Fixed Assets 1,956 1,956 3,342
Current Assets 59,645 59,645 47,479
Creditors Due Within One Year 27,796 27,796 8,727
Working Cap 31,849 31,849 38,752
Total Assets Less Current Liabilities 33,805 33,805 42,094
Long-term Liabilities 33,705 33,705 41,994
Net Assets 100 100 100
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 100 100 100
Common Size Financial Analysis Unlock full report
Accounts Date 31-Mar-2024 31-Mar-2022 31-Mar-2021
Tangible Fixed Assets - - -
Fixed Assets 3.2% 3.2% 6.6%
Stocks Inventory - - -
Debtors 86.2% 86.2% 7.7%
Cash Bank In Hand 10.6% 10.6% 85.7%
Current Assets 96.8% 96.8% 93.4%
Creditors Due Within One Year 45.1% 45.1% 17.2%
Net Current Assets Liabilities 51.7% 51.7% 76.3%
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 0.2% 0.2% 0.2%
Capital Employed - - -
Total Assets Less Current Liabilities 54.9% 54.9% 82.8%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Mar-2024 31-Mar-2022 31-Mar-2021
Liquidity Ratio 2.1 2.1 5.4
Solvency Ratio 1.0 1.0 1.0
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-Mar-2024 31-Mar-2022 31-Mar-2021
Assets 61,601 61,601 50,821
Debt 61,501 61,501 50,721
Net Assets/Debt 100 100 100

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. The balance sheet displays a very modest amount of net assets. For the size of the company as inferred by the balance sheet the amount of net assets represents a slender margin of cover over total debts and obligations. The latest accounts are not up-to-date. Later accounts are now overdue. Late filing is not a positive factor. Analysis based on the latest figures available must be taken in the context that the figures are not up-to-date.

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. The balance sheet displays a very modest amount of net assets. For the size of the company as inferred by the balance sheet the amount of net assets represents a slender margin of cover over total debts and obligations. The latest accounts are not up-to-date. Later accounts are now overdue. Late filing is not a positive factor. Analysis based on the latest figures available must be taken in the context that the figures are not up-to-date.   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. The balance sheet displays a very modest amount of net assets. For the size of the company as inferred by the balance sheet the amount of net assets represents a slender margin of cover over total debts and obligations. The latest accounts are not up-to-date. Later accounts are now overdue. Late filing is not a positive factor. Analysis based on the latest figures available must be taken in the context that the figures are not up-to-date.

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 18 August 2025 with no updates
Registered office address changed from 7 Victoria Road Victoria Road Tamworth B79 7HS England to 1 Wrens Court 53 Lower Queen Street Sutton Coldfield B72 1RT on 4 June 2025
Confirmation statement made on 18 August 2024 with no updates
Registered office address changed from Gmk House 240B Lichfield Road Sutton Coldfield B74 2UD England to 7 Victoria Road Victoria Road Tamworth B79 7HS on 24 November 2023
Confirmation statement made on 18 August 2023 with no updates
Confirmation statement made on 18 August 2022 with no updates
Registered office address changed from Gmk House 240B Lichfield Road Sutton Coldfield B74 2UD England to Gmk House 240B Lichfield Road Sutton Coldfield B74 2UD on 12 January 2022
Director's details changed for Mr Mark Anthony Ford on 12 January 2022
Change of details for Mrs Rachel Louise Woodward as a person with significant control on 12 January 2022
Registered office address changed from Office 7, Astor House 282 Lichfield Road Sutton Coldfield B74 2UG England to Gmk House 240B Lichfield Road Sutton Coldfield B74 2UD on 11 January 2022
Confirmation statement made on 23 September 2021 with no updates
Registered office address changed from Cfs Business Park Coleshill Road Sutton Coldfield B75 7FS England to Office 7, Astor House 282 Lichfield Road Sutton Coldfield B74 2UG on 27 September 2021
Director's details changed for Mrs Rachel Louise Woodward on 20 January 2021
Termination of appointment of Rachel Louise Woodward as a secretary on 20 January 2021
Confirmation statement made on 23 September 2020 with no updates
Certificate of change of name
Confirmation statement made on 23 September 2019 with no updates
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