Company Overview
David Smith Financial Services Limited Liability Partnership is listed at the official companies registry as Active Limited Liability Partnership. The company was incorporated on Friday 07 February 2003, so this is a well established company. David Smith Financial Services Limited Liability Partnership has been in business for 23 years and 1 month. The accounts status is total exemption full and the accounts are next due on Thursday 31 December 2026.
Registered Address

78 The Broadway, Debden, Loughton, Essex, IG10 3ST
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Companies House Data
Company NameDAVID SMITH FINANCIAL SERVICES LIMITED LIABILITY PARTNERSHIP
Company NumberOC303848
Registered Office Address78 The Broadway
 Debden
 IG10 3ST
Company CategoryLimited Liability Partnership
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date07/02/2003
Accounting Reference Date Day31
Accounting Reference Date Month3
Accounts Next Due Date31/12/2026
Accounts Last Made Up Date31/03/2025
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date16/02/2017
Returns Last Made Up Date19/01/2016
Directors & Members
Show Resigned
Oliver Salmon - LLP Designated Member
(28 years old, born March 1998)
Appointed 23 May 2023
 Active
James Smith - LLP Designated Member
(29 years old, born May 1997)
Appointed 23 May 2023
 Active
Secretaries
No Secretaries Appointed
Other Company Directorships
Oliver Salmon
No companies found
James Smith
No companies found
Balance Sheet Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2023 31-Mar-2022
Balance Sheet
Fixed Assets 56,985 56,985 55,893
Current Assets 328,833 328,833 365,336
Creditors Due Within One Year 66,311 66,311 87,052
Working Cap 262,522 262,522 278,284
Total Assets Less Current Liabilities 319,507 319,507 334,177
Long-term Liabilities - - -
Net Assets - - -
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds - - -
Common Size Financial Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2023 31-Mar-2022
Tangible Fixed Assets - - -
Fixed Assets 14.8% 14.8% 13.3%
Stocks Inventory - - -
Debtors 13.1% 13.1% 12.3%
Cash Bank In Hand 72.2% 72.2% 74.4%
Current Assets 85.2% 85.2% 86.7%
Creditors Due Within One Year 17.2% 17.2% 20.7%
Net Current Assets Liabilities 68.0% 68.0% 66.1%
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 - - -
Capital Employed - - -
Total Assets Less Current Liabilities 82.8% 82.8% 79.3%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2023 31-Mar-2022
Liquidity Ratio 5.0 5.0 4.2
Solvency Ratio - - -
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-2025 31-Mar-2023 31-Mar-2022
Assets 385,818 385,818 421,229
Debt - - -
Net Assets/Debt - - -

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.

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 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.

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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DB89 LIMITED
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Document Filings
Confirmation statement made on 19 January 2026 with no updates
Member's details changed for Mr Oliver John Salmon on 8 January 2026
Change of details for Mr James David Benbow Smith as a person with significant control on 7 May 2025
Change of details for Mr Oliver John Salmon as a person with significant control on 7 May 2025
Termination of appointment of Clare Smith as a member on 7 May 2025
Confirmation statement made on 19 January 2025 with no updates
Confirmation statement made on 19 January 2024 with no updates
Termination of appointment of Christopher James Maycock as a member on 31 October 2023
Termination of appointment of David Michael Benbow Smith as a member on 23 May 2023
Notification of James David Benbow Smith as a person with significant control on 23 May 2023
Notification of Oliver John Salmon as a person with significant control on 23 May 2023
Cessation of David Michael Benbow Smith as a person with significant control on 23 May 2023
Appointment of Mr James David Benbow Smith as a member on 23 May 2023
Appointment of Mr Oliver John Salmon as a member on 23 May 2023
Termination of appointment of Brenda Smith as a member on 23 May 2023
Change of details for Mr David Michael Benbow Smith as a person with significant control on 23 April 2023
Appointment of Mrs Clare Smith as a member on 23 April 2023
Notification of David Smith as a person with significant control on 23 April 2023
Appointment of Mrs Brenda Smith as a member on 23 April 2023
Appointment of Mr David Michael Benbow Smith as a member on 22 April 2023
Termination of appointment of Oliver John Salmon as a member on 21 April 2023
Termination of appointment of James Smith as a member on 21 April 2023
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