Company Overview
Certus Financial Planning Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Wednesday 09 December 2009, so this is a well established company. Certus Financial Planning Limited has been in business for 16 years and 3 months. The accounts status is total exemption full and the accounts are next due on Wednesday 31 December 2025.
Registered Address

Whittington House, High Street, Fareham, PO16 7BG
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Companies House Data
Company NameCERTUS FINANCIAL PLANNING LIMITED
Company Number07099790
Registered Office AddressWhittington House
 High Street
 PO16 7BG
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date09/12/2009
Accounting Reference Date Day31
Accounting Reference Date Month3
Accounts Next Due Date31/03/2026
Accounts Last Made Up Date31/03/2024
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date06/01/2017
Returns Last Made Up Date09/12/2015
Directors & Members
Show Resigned
Nicholas Stewart - Director
(British, 66 years old, born July 1960)
Appointed 31 January 2022
 Active
Secretaries
No Secretaries Appointed
Other Company Directorships
Nicholas Stewart
ENSCO NS LIMITED
FINANCIAL CONSULTANCY GROUP LIMITED
HUGHES CARNE INDEPENDENT FINANCIAL ADVISERS LIMITED
IN FOCUS ASSET MANAGEMENT AND TAX SOLUTIONS LIMITED
INFOCUS SOLUTIONS LIMITED
JARMAN ASSET MANAGEMENT LIMITED
N & R PROPERTIES (SPAIN) LTD
Balance Sheet Unlock full report
Accounts Date 31-Mar-2024 31-Mar-2023 31-Mar-2022
Balance Sheet
Fixed Assets 1,430 1,430 1,212
Current Assets 346,750 346,750 305,118
Creditors Due Within One Year 19,986 19,986 35,813
Working Cap 326,764 326,764 269,305
Total Assets Less Current Liabilities 328,194 328,194 270,517
Long-term Liabilities 271 271 230
Net Assets 327,923 327,923 270,287
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 327,923 327,923 270,287
Common Size Financial Analysis Unlock full report
Accounts Date 31-Mar-2024 31-Mar-2023 31-Mar-2022
Tangible Fixed Assets - - -
Fixed Assets 0.4% 0.4% 0.4%
Stocks Inventory - - -
Debtors 11.1% 11.1% 8.5%
Cash Bank In Hand 88.5% 88.5% 91.1%
Current Assets 99.6% 99.6% 99.6%
Creditors Due Within One Year 5.7% 5.7% 11.7%
Net Current Assets Liabilities 93.8% 93.8% 87.9%
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 94.2% 94.2% 88.2%
Capital Employed - - -
Total Assets Less Current Liabilities 94.3% 94.3% 88.3%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Mar-2024 31-Mar-2023 31-Mar-2022
Liquidity Ratio 17.3 17.3 8.5
Solvency Ratio 17.2 17.2 8.5
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-Mar-2024 31-Mar-2023 31-Mar-2022
Assets 348,180 348,180 306,330
Debt 20,257 20,257 36,043
Net Assets/Debt 327,923 327,923 270,287

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 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 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 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 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 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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SALES & MARKETING PLANNING LTD
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PAINT TECHNOLOGY SOLUTIONS LIMITED
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WEIR ACCOUNTANCY LIMITED
Ground Floor, 54b High Street, Fareham, Hampshire, PO16 7BG
FINANCIAL CONSULTANCY GROUP LIMITED
WHITTINGTON HOUSE, 64 HIGH STREET, FAREHAM, HAMPSHIRE, PO16 7BG
JA SANDERSON LIMITED
Ground Floor 54b High Street, Fareham, Hampshire, PO16 7BG
SUTHERLAND & MOORE LTD
Whittington House, 64 High Street, Fareham, Hampshire, PO16 7BG
Document Filings
Change of details for Infocus Solutions Limited as a person with significant control on 25 March 2026
Confirmation statement made on 12 April 2025 with no updates
Confirmation statement made on 12 April 2024 with updates
Confirmation statement made on 9 December 2023 with no updates
Confirmation statement made on 9 December 2022 with no updates
Registered office address changed from 20 Katana House Fort Fareham Industrial Site Newgate Lane Fareham Hampshire PO14 1AH to Whittington House High Street Fareham PO16 7BG on 20 May 2022
Termination of appointment of Richard Hugh Joseph Palmer as a director on 31 January 2022
Termination of appointment of James William Mcintosh as a director on 31 January 2022
Notification of Infocus Solutions Limited as a person with significant control on 31 January 2022
Appointment of Mr Nicholas John Stewart as a director on 31 January 2022
Cessation of Richard Hugh Joseph Palmer as a person with significant control on 31 January 2022
Cessation of James William Mcintosh as a person with significant control on 31 January 2022
Confirmation statement made on 9 December 2021 with no updates
Confirmation statement made on 9 December 2020 with no updates
Confirmation statement made on 9 December 2019 with no updates
Confirmation statement made on 9 December 2018 with no updates
Notification of Richard Hugh Joseph Palmer as a person with significant control on 1 January 2019
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