# FACTOR FINANCIAL PLANNING LIMITED (15177641)

> FACTOR FINANCIAL PLANNING LIMITED is an active private limited company (company number 15177641) incorporated on 30 September 2023, registered in Liverpool. Its registered activity is financial intermediation not elsewhere classified (SIC 64999). Latest small accounts cover the period ending 31 October 2025, showing net assets of £82k and cash of £174k, with 2 employees on average. Net assets rose 332% on the prior period (£19k).

- Status: Active
- Incorporated: 2023-09-30
- Registered office: Liverpool, L3 1BP
- SIC 64999: Financial intermediation not elsewhere classified
- Next accounts due: 2027-07-31
- Confirmation statement due: 2027-10-14
- Accounts type: TOTAL EXEMPTION FULL

By net assets it sits in the upper half of 353 comparable companies in Liverpool (median £15k, upper quartile £98k).

## Accounts (as filed)

| Period end | Net assets | Cash | Debtors | Creditors <1y | Turnover | Profit | Employees |
|---|---|---|---|---|---|---|---|
| 2025-10-31 | £82k | £174k | £100 | £95k | — | — | 2 |
| 2024-09-30 | £19k | £30k | £100 | £11k | — | — | 2 |

current ratio 1.83; size band micro.

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

- Net assets above zero: Net assets £82,242 at 31 October 2025
- Net assets up 10% or more on the prior period: +331.8% vs prior period
- Current assets at least 1.5× creditors within one year: Current ratio 1.83
- Cash at bank of £50,000 or more: Cash £173,543
- Incorporated two to five years ago: Incorporated 30 September 2023

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

## Persons with significant control

- Mr Samuel Cover Richards — owns 75–100% of shares; holds 75–100% of voting rights; can appoint or remove directors, since 2023-09-30

---
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/15177641
HTML: https://firmoscan.com/company/15177641-factor-financial-planning-limited