Company Overview
Independent Financial Adviser Ltd is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Friday 25 June 2021. Independent Financial Adviser Ltd has been in business for 4 years and 9 months. The accounts status is micro entity and the accounts are next due on Wednesday 31 December 2025.
Registered Address

8 Carnegie Crescent, Maulden, Bedfordshire, MK45 2PG
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Companies House Data
Company NameINDEPENDENT FINANCIAL ADVISER LTD
Company Number13478591
Registered Office Address8 Carnegie Crescent
 MK45 2PG
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date25/06/2021
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 Date23/07/2022
Directors & Members
David Schofield - Director
(British, 57 years old, born April 1969)
Appointed 25 June 2021
 Active
Rachael Schofield - Director
(British, 51 years old, born April 1975)
Appointed 25 June 2021
 Active
Secretaries
No Secretaries Appointed
Other Company Directorships
David Schofield
URBAN AND RURAL FINANCIAL SOLUTIONS LIMITED
Rachael Schofield
No companies found
Balance Sheet Unlock full report
Accounts Date 31-Mar-2024 31-Mar-2022
Balance Sheet
Fixed Assets 238 238
Current Assets 12,564 12,564
Creditors Due Within One Year 11,872 11,872
Working Cap 692 692
Total Assets Less Current Liabilities 930 930
Long-term Liabilities 1,172 1,172
Net Assets 2,102 2,102
Share Capital & Reserves
Share Cap - -
Profit & Loss Reserves - -
Other Reserves - -
Shareholders Funds 2,102 2,102
Common Size Financial Analysis Unlock full report
Accounts Date 31-Mar-2024 31-Mar-2022
Tangible Fixed Assets - -
Fixed Assets 1.9% 1.9%
Stocks Inventory - -
Debtors - -
Cash Bank In Hand - -
Current Assets 98.1% 98.1%
Creditors Due Within One Year 92.7% 92.7%
Net Current Assets Liabilities 5.4% 5.4%
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 16.4% 16.4%
Capital Employed - -
Total Assets Less Current Liabilities 7.3% 7.3%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Mar-2024 31-Mar-2022
Liquidity Ratio 1.1 1.1
Solvency Ratio 1.2 1.2
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
Assets 12,802 12,802
Debt 10,700 10,700
Net Assets/Debt 2,102 2,102

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 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 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 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 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 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
Other Business around MK45 2PG
No other companies found in the same location
Document Filings
Confirmation statement made on 31 March 2026 with updates
Confirmation statement made on 31 March 2025 with updates
Change of details for Mrs Rachael Andrea Schofield as a person with significant control on 28 March 2024
Change of details for Mr David Bruce James Schofield as a person with significant control on 28 March 2024
Confirmation statement made on 31 March 2024 with updates
Director's details changed for Mrs Rachael Andrea Schofield on 28 March 2024
Director's details changed for Mr David Bruce James Schofield on 28 March 2024
Director's details changed for Mrs Rachael Andrea Schofield on 28 March 2024
Change of details for Mrs Rachael Andrea Schofield as a person with significant control on 28 March 2024
Change of details for Mr David Bruce James Schofield as a person with significant control on 28 March 2024
Director's details changed for Mr David Bruce James Schofield on 28 March 2024
Confirmation statement made on 31 March 2023 with no updates
Registered office address changed from 8 8 Carnegie Crescent Maulden Bedfordshire MK45 2PG England to 8 Carnegie Crescent Maulden Bedfordshire MK45 2PG on 21 November 2022
Registered office address changed from 25 Rushbrook Close Ampthill Bedford Bedfordshire MK45 2XE England to 8 8 Carnegie Crescent Maulden Bedfordshire MK45 2PG on 21 November 2022
Change of details for Mr David Bruce James Schofield as a person with significant control on 25 June 2021
Notification of Rachael Andrea Schofield as a person with significant control on 25 June 2021
Confirmation statement made on 31 March 2022 with updates
Appointment of Mrs Rachael Andrea Schofield as a director on 25 June 2021
Current accounting period shortened from 30 June 2022 to 31 March 2022
Incorporation
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