£30k
+17%vs Jan 2025Active09400427Private limited companyCinderford
STEM FINANCIAL LTD
Significant control: Gemma Ruth Baldwin (25–50%), Benjamin Baldwin (25–50%)
From public filings as at 31 Aug 2026; may contain errors or be out of date. Verify at Companies House · Terms
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What does Stem Financial Ltd sell?
Registered activity: Activities auxiliary to financial intermediation n.e.c. (SIC 66190). We’re building product and service lists for UK companies. Get this one when it’s ready.
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01
Summary
STEM FINANCIAL LTD is an active private limited company (company number 09400427) incorporated on 21 January 2015, registered in Cinderford. Its registered activity is activities auxiliary to financial intermediation n.e.c. (SIC 66190). Latest micro accounts cover the period ending 31 January 2026, showing net assets of £30k, with 4 employees on average. As micro-entity accounts, no profit and loss account is filed, so turnover and profit are not public. Net assets rose 17% on the prior period (£26k).
Peer position · net assets
By net assets it sits in the upper half of 871 comparable companies in Other (median £6,312, upper quartile £57k).
02
Ownership and control
- Mrs Gemma Ruth Baldwin
- owns 25–50% of shares
- holds 25–50% of voting rights
- Mr Benjamin Baldwin
- owns 25–50% of shares
- holds 25–50% of voting rights
Persons with significant control hold 25% or more of shares or voting rights. Smaller shareholdings are only listed in confirmation-statement documents. Directors and secretaries: see the officers list at Companies House.
03
Key dates
- Incorporated
- 21 January 201511 yrs ago
- Next accounts due
- 31 October 2027in 373 days
- Confirmation statement due
- 4 February 2027in 104 days
Due dates are expected from Companies House filing rules; confirm on the official register before relying on them.
04
Activity
- SIC 66190
- Activities auxiliary to financial intermediation n.e.c.
- Accounts type
- Micro Entity
- Size band
- MicroCompanies Act thresholds
05
Financials
Not reported
Not disclosed
4
No changevs Jan 2025| Period end | Net assets | Cash | Debtors | Creditors <1y | Turnover | Profit | Employees |
|---|---|---|---|---|---|---|---|
| 31 January 2026 | £30k | — | — | £29k | — | — | 4 |
| 31 January 2025 | £26k | — | — | £37k | — | — | 4 |
Current ratio0.74Current assets ÷ creditors within one year
Figures as filed in iXBRL accounts at Companies House. "—" means the line was not reported in that filing; micro-entity accounts contain no profit and loss account.
06
Filing and accounts signals
- Net assets above zeroNet assets £30,290 at 31 January 2026
- Net assets up 10% or more on the prior period+17.3% vs prior period
- Current assets below creditors within one yearCurrent ratio 0.74
- Incorporated five or more years agoIncorporated 21 January 2015
Neutral facts read from the register and filed accounts, each with its evidence. They are not a rating, a prediction or advice, and may be incomplete or out of date. How each signal is derived.
07
Timeline
- Next accounts duein 373 days
- Confirmation statement duein 104 days
- Accounts period endNet assets £30k · micro accounts
- Accounts period endNet assets £26k · micro accounts
- Incorporated
08
Similar companies in the UK
- HOWELLS TRUSTEES LIMITEDHarrogate · inc. Jan 2015
- JD BRIGGS LTDNorwich · inc. Feb 2015
- ELDAMEK CONSULTING LTDBournemouth · inc. Feb 2015
- YOUR CHOICE FINANCIAL SERVICES LIMITEDTelford · inc. Feb 2015
- CONSUMER LEGAL LIMITEDNorthwich · inc. Feb 2015
- C JOYNER LIMITEDNorwich · inc. Feb 2015
All companies incorporated on 21 January 2015 · in Jan 2015.
09
Reminders for STEM FINANCIAL LTD
Get an email before each filing deadline — accounts and confirmation statement — so nothing is late.