REFLECT FINANCIAL LIMITED

Active Cirencester

Activities auxiliary to financial intermediation n.e.c.

36 employees website.com
Financial services Activities auxiliary to financial intermediation n.e.c.
R

REFLECT FINANCIAL LIMITED

Activities auxiliary to financial intermediation n.e.c.

Founded 14 Feb 2002 Active Cirencester, England 36 employees website.com
Financial services Activities auxiliary to financial intermediation n.e.c.

Previous Company Names

HALE FINANCIAL SOLUTIONS LTD 8 Aug 2016 — 28 Jul 2020
NOW FINANCIAL SOLUTIONS LIMITED 14 Feb 2002 — 8 Aug 2016
Accounts Submitted 11 Jun 2025 Next due 30 Sept 2026 4 months remaining
Confirmation Submitted 23 Jun 2025 Next due 27 Jun 2026 1 month remaining
Net assets £-17M £4M 2024 year on year
Total assets £6M £2M 2024 year on year
Total Liabilities £23M £2M 2024 year on year
Charges 1
1 satisfied

Contact & Details

Contact

Registered Address

St. James's Place House 1 Tetbury Road Cirencester Gloucestershire GL7 1FP England

Telephone

0800 000 0000

Email

info@example.com

Website

www.example.com

Full company profile for REFLECT FINANCIAL LIMITED (04373946), an active financial services company based in Cirencester, England. Incorporated 14 Feb 2002. Activities auxiliary to financial intermediation n.e.c.. View financials, directors, shareholders, and filings.

Business Summary

This company specializes in providing innovative solutions and services across multiple sectors.

Products & Services

consulting software analytics integration

Reports

Credit Report

In-depth credit score, financial analysis, risk assessment and company intelligence.

Financials

Financials

Period 1 Jan → 31 Dec 2024
Type audit-exemption-subsidiary
Next accounts 31 Dec 2025
Due by 30 Sept 2026 4 months remaining

Balance Sheet & P&L (2014–2024)

Cash in Bank

£275.16k

Increased by £90.16k (+49%)

Net Assets

-£16.81M

Decreased by £3.79M (-29%)

Total Liabilities

£23.12M

Increased by £1.99M (+9%)

Turnover

£2.72M

Decreased by £693.56k (-20%)

Employees

36

Decreased by 4 (-10%)

Debt Ratio

366%

Increased by 105 (+40%)

Financial History

Revenue, profit, EBITDA and key financial figures

2024
31 Dec Year End
2023
31 Dec Year End
P&L
Revenue
£142.3M
£128.7M
Gross Profit
£48.2M
£43.1M
Operating Profit
£22.4M
£19.8M
Net Profit
£18.1M
£15.9M
EBITDA
£31.5M
£28.2M
Assets
Cash
£24.7M
£21.3M
Total Assets
£89.4M
£82.1M
Liabilities
Total Liabilities
£45.2M
£41.8M
Key Metrics
Employees
1,247
1,156
Latest Revenue
£142.3M
Latest EBITDA
£31.5M
Cash Position
£24.7M

Funding

Fundraising & Grants

No fundraising or grants recorded

Investors (0)

No investor information available

Officers

Officers

1 active 2 resigned
Status
O'donnell, StephenDirectorBritishScotland5613 Apr 2026Active

Shareholders

Shareholders (1)

St. James's Place Acquisition Services Limited
100.0%

Persons with Significant Control

Persons with Significant Control (1)

1 Active
Notified 29 Apr 2016
Nature of Control
  • Ownership Of Shares 75 To 100 Percent,voting Rights 75 To 100 Percent,right To Appoint And Remove Directors

Group Structure

Group Structure

REFLECT FINANCIAL LIMITED Current Company

Charges

Charges

1 satisfied

Properties

Properties

3 leasehold 3 total
AddressTenurePrice PaidDate Added
Fourth Floor, 12 Princes Dock, Liverpool (L3 1BG) LIVERPOOL
Leasehold-9 Oct 2020
Third Floor, 12 Princes Dock, Liverpool (L3 1BG) LIVERPOOL
Leasehold-9 Oct 2020
Second Floor Unit, 12 Princes Dock, Liverpool LIVERPOOL
Leasehold-9 Oct 2020
Fourth Floor, 12 Princes Dock, Liverpool (L3 1BG)
Leasehold
Added 9 Oct 2020
District LIVERPOOL
Third Floor, 12 Princes Dock, Liverpool (L3 1BG)
Leasehold
Added 9 Oct 2020
District LIVERPOOL
Second Floor Unit, 12 Princes Dock, Liverpool
Leasehold
Added 9 Oct 2020
District LIVERPOOL

Documents

Company Filings

DateCategoryDescriptionDocument
16 Apr 2026OfficersTermination of Michael Paul Gillibrand as director on 16 Apr 2026
15 Apr 2026OfficersAppointment of Stephen O'donnell as director on 13 Apr 2026
23 Jun 2025Confirmation StatementConfirmation statement made on 13 Jun 2025 with no updates
12 Jun 2025OfficersTermination of Matthew Quinn as director on 12 Jun 2025
11 Jun 2025OtherAudit exemption statement of guarantee by parent company for period ending 31/12/24
16 Apr 2026 Officers

Termination of Michael Paul Gillibrand as director on 16 Apr 2026

15 Apr 2026 Officers

Appointment of Stephen O'donnell as director on 13 Apr 2026

23 Jun 2025 Confirmation Statement

Confirmation statement made on 13 Jun 2025 with no updates

12 Jun 2025 Officers

Termination of Matthew Quinn as director on 12 Jun 2025

11 Jun 2025 Other

Audit exemption statement of guarantee by parent company for period ending 31/12/24

Recent Activity

Latest Activity

Termination of Michael Paul Gillibrand as director on 16 Apr 2026

1 months ago on 16 Apr 2026

Appointment of Stephen O'donnell as director on 13 Apr 2026

1 months ago on 15 Apr 2026

Confirmation statement made on 13 Jun 2025 with no updates

11 months ago on 23 Jun 2025

Termination of Matthew Quinn as director on 12 Jun 2025

11 months ago on 12 Jun 2025

Audit exemption statement of guarantee by parent company for period ending 31/12/24

11 months ago on 11 Jun 2025