Company Overview
Next Chapter Financial Planning Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Friday 28 June 2019. Next Chapter Financial Planning Limited has been in business for 6 years and 9 months. The accounts status is total exemption full and the accounts are next due on Wednesday 31 March 2027.
Registered Address

The Old Forge Packman Lane, Kirk Ella, Hull, HU10 7TH
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Companies House Data
Company NameNEXT CHAPTER FINANCIAL PLANNING LIMITED
Company Number12075452
Registered Office AddressThe Old Forge Packman Lane
 Kirk Ella
 HU10 7TH
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date28/06/2019
Accounting Reference Date Day30
Accounting Reference Date Month6
Accounts Next Due Date31/03/2027
Accounts Last Made Up Date30/06/2025
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date26/07/2020
Previous Company NameChanged Date
UNIFY FINANCIAL LIMITED01 Apr 2021
Directors & Members
Show Resigned
Sarah Davies - Director
(British, 42 years old, born August 1984)
Appointed 24 January 2023
 Active
Philip Dibb - Director
(British, 54 years old, born February 1972)
Appointed 28 June 2019
 Active
Mark Dowde - Director
(British, 44 years old, born October 1982)
Appointed 10 November 2023
 Active
Gavin Wilkinson - Director
(British, 44 years old, born April 1982)
Appointed 14 October 2021
 Active
Secretaries
No Secretaries Appointed
Other Company Directorships
Sarah Davies
No companies found
Philip Dibb
COMPLIANCE NEWS LIMITED
COMPLIANCE RESOURCING LIMITED
D W REGULATORY CONSULTANTS LIMITED
DWC CORPORATE SERVICES LIMITED
FS TRAINING ACADEMY LIMITED
JUSTCRS LIMITED
PENSION TRANSFER CHECKING LIMITED
TFAS GROUP HOLDINGS LIMITED
THE CRICKET SCHOOL LIMITED
THE FINANCIAL ADVICE SERVICE LIMITED
THE IFA CORPORATION LIMITED
Mark Dowde
ALDGATE WEALTH PLANNING LTD
Gavin Wilkinson
No companies found
Balance Sheet Unlock full report
Accounts Date 30-Jun-2025 30-Jun-2023 30-Jun-2022
Balance Sheet
Fixed Assets 8,270 8,270 2,661
Current Assets 263,028 263,028 62,139
Creditors Due Within One Year 105,368 105,368 27,790
Working Cap 157,660 157,660 34,349
Total Assets Less Current Liabilities 165,930 165,930 37,010
Long-term Liabilities 1,400 1,400 3,121
Net Assets 164,530 164,530 33,889
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 164,530 164,530 33,889
Common Size Financial Analysis Unlock full report
Accounts Date 30-Jun-2025 30-Jun-2023 30-Jun-2022
Tangible Fixed Assets - - -
Fixed Assets 3.0% 3.0% 4.1%
Stocks Inventory - - -
Debtors - - -
Cash Bank In Hand - - -
Current Assets 97.0% 97.0% 95.9%
Creditors Due Within One Year 38.8% 38.8% 42.9%
Net Current Assets Liabilities 58.1% 58.1% 53.0%
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 60.6% 60.6% 52.3%
Capital Employed - - -
Total Assets Less Current Liabilities 61.2% 61.2% 57.1%
Financial Ratio Analysis Unlock full report
Accounts Date 30-Jun-2025 30-Jun-2023 30-Jun-2022
Liquidity Ratio 2.5 2.5 2.2
Solvency Ratio 2.5 2.5 2.1
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 30-Jun-2025 30-Jun-2023 30-Jun-2022
Assets 271,298 271,298 64,800
Debt 106,768 106,768 30,911
Net Assets/Debt 164,530 164,530 33,889

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 20 February 2026 with no updates
Registered office address changed from The Old Forge Packman Lane Kirk Ella Hull HU10 7th England to The Old Forge 3 Packman Lane Kirk Ella Hull HU10 7th on 3 September 2025
Confirmation statement made on 20 February 2025 with updates
Resolutions
Change of share class name or designation
Director's details changed for Mrs Sarah Louise Davies on 24 June 2024
Registered office address changed from 14 Egerton Terrace Rawdon Leeds LS19 6QA United Kingdom to The Old Forge Packman Lane Kirk Ella Hull HU10 7th on 4 March 2024
Confirmation statement made on 20 February 2024 with updates
Statement of capital following an allotment of shares on 6 February 2024
Confirmation statement made on 12 January 2024 with updates
Purchase of own shares.
Purchase of own shares.
Appointment of Mr Mark Stephen Dowde as a director on 10 November 2023
Cancellation of shares. Statement of capital on 1 November 2023
Appointment of Mrs Sarah Louise Davies as a director on 24 January 2023
Particulars of variation of rights attached to shares
Change of share class name or designation
Resolutions
Confirmation statement made on 12 January 2023 with updates
Notification of Gavin Andrew Horner Wilkinson as a person with significant control on 14 December 2022
Cessation of Mark David Holdsworth as a person with significant control on 14 December 2022
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