STONEWOOD FINANCIAL PLANNING HOLDINGS LIMITED
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Cash
£336k
-58% lowest in 3 filed years
Net assets
-£7.8m
-8.8% lowest in 3 filed years
Employees
14
-33.3% vs 2024
Profit before tax
-£632k
+51.8% highest in 3 filed years
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
Accounts not prepared on a going-concern basis
Accordingly, the Directors have concluded that the group and company do not meet the definition of a going concern and accordingly, the financial statements have not been prepared on a Going Concern basis.
-
1 PSC ceased in last 24 months
Significant control changed hands — see the Ownership section.
-
Going-concern uncertainty disclosed
-
Negative shareholders' funds
Net assets
3-year trend · vs Industrials median
Accounts
3-year trend · Δ = latest vs prior filed period · latest reflected 2025-12-31
| Metric | Trend | 2023-12-31 | 2024-12-31 | 2025-12-31 | Δ vs prior |
|---|---|---|---|---|---|
| Turnover | £2,895,368 | £3,663,717 | £1,786,539 | -51.2% | |
| Operating profit | -£524,124 | -£463,761 | -£372,701 | +19.6% | |
| Profit before tax | -£1,374,461 | -£1,311,650 | -£631,666 | +51.8% | |
| Net profit | -£1,385,193 | -£1,307,739 | -£629,488 | +51.9% | |
| Cash | £346,169 | £799,187 | £335,886 | -58% | |
| Total assets less current liabilities | £1,199,848 | -£7,130,426 | -£7,795,253 | -9.3% | |
| Net assets | -£5,858,783 | -£7,166,522 | -£7,796,010 | -8.8% | |
| Equity | — | — | — | — | |
| Average employees | — | 21 | 14 | -33.3% | |
| Wages | £1,529,467 | £1,762,736 | £1,405,692 | -20.3% | |
| Directors' remuneration | £106,586 | £273,162 | £451,998 | +65.5% | |
| Directors' pension contributions | £5,814 | £10,734 | £12,331 | +14.9% |
Values shown as filed in the company's annual accounts. — indicates the figure wasn't present under that line item in that period. The Δ column is the change from the prior filed period as a percentage of |prior|; lines a company doesn't report show —. About these numbers
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|
| Operating margin | -18.1% | -12.7% | -20.9% | |
| Net margin | -47.8% | -35.7% | -35.2% | |
| Return on capital employed | -43.7% | — | — | |
| Gearing (liabilities / total assets) | 314.1% | 392.9% | 403.7% | |
| Current ratio | 0.44x | 0.12x | 0.15x | |
| Interest cover | -0.53x | -0.55x | -1.15x |
Margins divide P&L lines by turnover. Gearing is liabilities over total assets. Current ratio is current assets over creditors falling due within one year. Interest cover is operating profit over absolute finance costs. Sector-distribution context coming next.
Name history
Renamed 1 time since incorporation
- STONEWOOD FINANCIAL PLANNING HOLDINGS LIMITED 2023-07-06 → present
- TRUINVEST LIMITED 2018-12-24 → 2023-07-06
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Consolidated group
- Auditor
- RSM UK Audit LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Not a going concern (break-up basis)
“Accordingly, the Directors have concluded that the group and company do not meet the definition of a going concern and accordingly, the financial statements have not been prepared on a Going Concern basis.”
Group structure
- STONEWOOD FINANCIAL PLANNING HOLDINGS LIMITED · parent
- Group Rapport Holdings Limited 100%
- Group Rapport Limited 100%
- Phoenix Cloud Limited 100%
- Stonewood Financial Planning Limited 100%
Significant events
- “During the year all of the commercial operations of all of the subsidiaries were sold, and the remaining activities wound down.”
- “Since April 2024, the group has assessed and identified that a possible contingent liability exists, as a result of regulatory matters in a subsidiary company.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
2 active · 3 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| LORD, Sarah Joanna | Director | 2023-09-28 | Feb 1977 | British |
| MATTHEWS, Nicholas John | Director | 2021-11-05 | Mar 1972 | South African |
Show 3 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| JOHAL, Mukhvinder Singh | Director | 2018-12-24 | 2022-03-03 |
| PATTERSON, Sean | Director | 2021-11-05 | 2024-05-28 |
| SMITH, Mark Antony | Director | 2020-02-06 | 2022-02-28 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Mrs Isabel Villalba Schmid | Individual | Shares 75–100% (as trust), Voting 75–100% (as trust) | 2025-01-15 | Ceased 2025-01-15 |
| Mrs Jacqueline Helen Cheshire | Individual | Shares 75–100% (as trust), Voting 75–100% (as trust) | 2024-02-20 | Ceased 2024-05-15 |
| Mr Mark Brian Mcmullen | Individual | Shares 75–100% (as trust), Voting 75–100% (as trust) | 2024-02-20 | Ceased 2024-05-15 |
| Mr Aris Solon Tatos | Individual | Shares 75–100% (as trust), Voting 75–100% (as trust) | 2024-02-20 | Ceased 2024-02-20 |
| Mr Phillippe Sebastien De Salis | Individual | Shares 75–100% (as trust), Voting 75–100% (as trust) | 2024-02-20 | Ceased 2024-02-20 |
| Mr Wayne Phillip Elliott | Individual | Shares 75–100% (as trust), Voting 75–100% (as trust) | 2024-02-20 | Ceased 2024-02-20 |
| Mr Mukhvinder Singh Johal | Individual | Shares 25–50%, Voting 25–50% | 2020-02-13 | Ceased 2020-03-10 |
| Mr Mark Antony Smith | Individual | Shares 25–50%, Voting 25–50% | 2020-02-06 | Ceased 2020-03-10 |
| Mr Mukhvinder Singh Johal | Individual | Shares 75–100%, Voting 75–100%, Appoints directors | 2018-12-24 | Ceased 2020-02-06 |
Filing timeline
Last 20 of 67 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-09-11 | AA | accounts | Accounts with accounts type group | |
| 2026-02-06 | PSC08 | persons-with-significant-control | Notification of a person with significant control statement | |
| 2026-01-22 | PSC07 | persons-with-significant-control | Cessation of a person with significant control | |
| 2026-01-22 | PSC07 | persons-with-significant-control | Cessation of a person with significant control | |
| 2026-01-22 | PSC07 | persons-with-significant-control | Cessation of a person with significant control | |
| 2026-01-22 | PSC07 | persons-with-significant-control | Cessation of a person with significant control | |
| 2026-01-12 | PSC07 | persons-with-significant-control | Cessation of a person with significant control | |
| 2026-01-12 | PSC07 | persons-with-significant-control | Cessation of a person with significant control | |
| 2025-12-16 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2025-12-04 | CH01 | officers | Change person director company with change date | |
| 2025-12-04 | CH01 | officers | Change person director company with change date | |
| 2025-12-04 | AD01 | address | Change registered office address company with date old address new address | |
| 2025-11-12 | CH01 | officers | Change person director company with change date | |
| 2025-10-06 | AA | accounts | Accounts with accounts type group | |
| 2025-02-04 | PSC04 | persons-with-significant-control | Change to a person with significant control | |
| 2025-02-04 | PSC04 | persons-with-significant-control | Change to a person with significant control | |
| 2025-02-04 | PSC04 | persons-with-significant-control | Change to a person with significant control | |
| 2025-02-04 | PSC04 | persons-with-significant-control | Change to a person with significant control | |
| 2025-02-04 | PSC04 | persons-with-significant-control | Change to a person with significant control | |
| 2025-02-04 | PSC04 | persons-with-significant-control | Change to a person with significant control |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 14
- Capital events
- 0
- Officers appointed
- 0
- Officers resigned
- 0
last 12 months
last 24 months
last 12 months
last 12 months
Direct counts from the register. No score, no rating — see the Filing timeline for the underlying events.