Company Overview
Concept Financial Solutions Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Monday 22 March 2010, so this is a well established company. Concept Financial Solutions Limited has been in business for 16 years. The accounts status is total exemption full and the accounts are next due on Sunday 28 February 2027.
Registered Address

17 Farrington Way, Eastwood, Nottinghamshire, NG16 3BF
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Companies House Data
Company NameCONCEPT FINANCIAL SOLUTIONS LIMITED
Company Number07198377
Registered Office Address17 Farrington Way
 NG16 3BF
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date22/03/2010
Accounting Reference Date Day31
Accounting Reference Date Month5
Accounts Next Due Date28/02/2027
Accounts Last Made Up Date31/05/2025
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date19/04/2017
Returns Last Made Up Date22/03/2016
Directors & Members
Show Resigned
Scott Davies - Director
(British, 57 years old, born November 1969)
Appointed 22 March 2010
 Active
Ian Harby - Director
(British, 67 years old, born February 1959)
Appointed 22 March 2010
 Active
Richard Howarth - Director
(British, 50 years old, born November 1976)
Appointed 03 March 2014
 Active
Secretaries
No Secretaries Appointed
Other Company Directorships
Scott Davies
CONCEPT INDEPENDENT SOLUTIONS LTD
Ian Harby
CONCEPT INDEPENDENT SOLUTIONS LTD
Richard Howarth
CONCEPT INDEPENDENT SOLUTIONS LTD
Balance Sheet Unlock full report
Accounts Date 31-May-2025 31-May-2023 31-May-2022
Balance Sheet
Fixed Assets 239,179 239,179 186,169
Current Assets 159,611 159,611 125,538
Creditors Due Within One Year 135,080 135,080 106,614
Working Cap 24,531 24,531 18,924
Total Assets Less Current Liabilities 263,710 263,710 205,093
Long-term Liabilities 227,403 227,403 165,959
Net Assets 36,307 36,307 39,134
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 36,307 36,307 39,134
Common Size Financial Analysis Unlock full report
Accounts Date 31-May-2025 31-May-2023 31-May-2022
Tangible Fixed Assets - - -
Fixed Assets 60.0% 60.0% 59.7%
Stocks Inventory - - -
Debtors 34.4% 34.4% 14.4%
Cash Bank In Hand 5.7% 5.7% 25.8%
Current Assets 40.0% 40.0% 40.3%
Creditors Due Within One Year 33.9% 33.9% 34.2%
Net Current Assets Liabilities 6.2% 6.2% 6.1%
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 9.1% 9.1% 12.6%
Capital Employed - - -
Total Assets Less Current Liabilities 66.1% 66.1% 65.8%
Financial Ratio Analysis Unlock full report
Accounts Date 31-May-2025 31-May-2023 31-May-2022
Liquidity Ratio 1.2 1.2 1.2
Solvency Ratio 1.1 1.1 1.1
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-May-2025 31-May-2023 31-May-2022
Assets 398,790 398,790 311,707
Debt 362,483 362,483 272,573
Net Assets/Debt 36,307 36,307 39,134

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 current section of the balance sheet has positive working capital. We would normally consider this positively. Total reserves including retained profitability and movement in reserves has some deficiency. The balance sheet presents modest net assets. For the size of the company inferred by the balance sheet this level of net assets suggests total debts and obligations were moderately well covered.

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 current section of the balance sheet has positive working capital. We would normally consider this positively. Total reserves including retained profitability and movement in reserves has some deficiency. The balance sheet presents modest net assets. For the size of the company inferred by the balance sheet this level of net assets suggests total debts and obligations were moderately well covered.   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 current section of the balance sheet has positive working capital. We would normally consider this positively. Total reserves including retained profitability and movement in reserves has some deficiency. The balance sheet presents modest net assets. For the size of the company inferred by the balance sheet this level of net assets suggests total debts and obligations were moderately well covered.

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 22 March 2025 with updates
Confirmation statement made on 22 March 2024 with updates
Confirmation statement made on 22 March 2023 with updates
Confirmation statement made on 22 March 2022 with updates
Confirmation statement made on 22 March 2021 with updates
Change of details for Mr Scott Mark Davies as a person with significant control on 9 January 2021
Director's details changed for Mr Ian Harby on 9 January 2021
Change of details for Mr Richard Howarth as a person with significant control on 9 January 2021
Director's details changed for Mr Scott Mark Davies on 9 January 2021
Change of details for Mr Ian Harby as a person with significant control on 9 January 2021
Director's details changed for Mr Richard Howarth on 9 January 2021
Registered office address changed from 144 Nottingham Road Eastwood Nottinghamshire NG16 3GE England to 17 Farrington Way Eastwood Nottinghamshire NG16 3BF on 25 January 2021
Confirmation statement made on 22 March 2020 with updates
Registered office address changed from 32 Highfield Road Nuthall Nottingham NG16 1BS to 144 Nottingham Road Eastwood Nottinghamshire NG16 3GE on 8 July 2019
Change of details for Mr Richard Howarth as a person with significant control on 16 April 2019
Director's details changed for Mr Richard Howarth on 16 April 2019
Change of details for Mr Ian Harby as a person with significant control on 16 April 2019
Director's details changed for Mr Ian Harby on 16 April 2019
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