# FIVE RIVERS FINANCIAL SERVICES LIMITED (09398475)

> FIVE RIVERS FINANCIAL SERVICES LIMITED is an active private limited company (company number 09398475) incorporated on 21 January 2015, registered in Oldbury. Its registered activity is activities of insurance agents and brokers (SIC 66220). Latest micro accounts cover the period ending 31 January 2025, showing net assets of £1,663, with 0 employees on average. As micro-entity accounts, no profit and loss account is filed, so turnover and profit are not public. Net assets fell 56% on the prior period (£3,770).

- Status: Active
- Incorporated: 2015-01-21
- Registered office: Oldbury, B69 4SL
- SIC 66220: Activities of insurance agents and brokers
- Next accounts due: 2026-10-31
- Confirmation statement due: 2027-02-04
- Accounts type: MICRO ENTITY

By net assets it sits in the lower half of 180 comparable companies in Birmingham (median £16k, upper quartile £95k).

## Accounts (as filed)

| Period end | Net assets | Cash | Debtors | Creditors <1y | Turnover | Profit | Employees |
|---|---|---|---|---|---|---|---|
| 2025-01-31 | £1,663 | — | — | £18k | — | — | 0 |
| 2024-01-31 | £3,770 | — | — | £17k | — | — | 1 |

current ratio 1.66; size band micro.

## Filing and accounts signals (facts, not a rating)

- Net assets above zero: Net assets £1,663 at 31 January 2025
- Net assets down 25% or more on the prior period: -55.9% vs prior period
- Current assets at least 1.5× creditors within one year: Current ratio 1.66
- Incorporated five or more years ago: Incorporated 21 January 2015

How each signal is derived: https://firmoscan.com/methodology

## Persons with significant control

- Mr Rakesh Kumar Bains — owns 75–100% of shares; owns 75–100% of shares; owns 75–100% of shares, since 2016-04-08

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Source: Companies House register snapshot 2026-08-31, Open Government Licence v3.0. Information may have changed since that date and is not advice or a credit reference; check the official record before relying on it. Official record: https://find-and-update.company-information.service.gov.uk/company/09398475
HTML: https://firmoscan.com/company/09398475-five-rivers-financial-services-limited