# CONCEPT FINANCIAL SERVICES LTD (13891990)

> CONCEPT FINANCIAL SERVICES LTD is an active private limited company (company number 13891990) incorporated on 3 February 2022, registered in Birmingham. Its registered activity is bookkeeping activities (SIC 69202). Latest micro accounts cover the period ending 28 February 2025, showing net assets of −£81, with 1 employee on average. As micro-entity accounts, no profit and loss account is filed, so turnover and profit are not public. Net assets rose 47% on the prior period (−£154).

- Status: Active
- Incorporated: 2022-02-03
- Registered office: Birmingham, B33 0SG
- SIC 69202: Bookkeeping activities
- SIC 70229: Management consultancy activities other than financial management
- Next accounts due: 2026-11-28
- Confirmation statement due: 2027-02-17
- Accounts type: MICRO ENTITY

By net assets it sits in the bottom quarter of 357 comparable companies in Birmingham (median £1,424, upper quartile £11k).

## Accounts (as filed)

| Period end | Net assets | Cash | Debtors | Creditors <1y | Turnover | Profit | Employees |
|---|---|---|---|---|---|---|---|
| 2025-02-28 | −£81 | — | — | £4,706 | — | — | 1 |
| 2024-02-29 | −£154 | — | — | £6,540 | — | — | 1 |

current ratio 0.93; size band micro.

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

- Net assets below zero: Net assets £-81 at 28 February 2025
- Net assets up 10% or more on the prior period: +47.4% vs prior period
- Current assets below creditors within one year: Current ratio 0.93
- Incorporated two to five years ago: Incorporated 3 February 2022

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

## Persons with significant control

- Mr Adil Rafiq — owns 75–100% of shares; holds 75–100% of voting rights; can appoint or remove directors, since 2022-02-03

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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/13891990
HTML: https://firmoscan.com/company/13891990-concept-financial-services-ltd