SPENCE FINANCIAL LTD
Company number 14213733 · Active
SPENCE FINANCIAL LTD is a private limited company registered in CARDIFF, United Kingdom, incorporated on 4 Jul 2022. Its registered activity is activities auxiliary to financial intermediation n.e.c.. Its latest published accounts for the period ending 31 Jul 2025 show equity of £17k, total assets of £22k. It has filed 3 sets of accounts, 1 of them after the deadline. Our model estimates a 0.00 % probability that it becomes insolvent within 12 months, 0.0 times the average for active companies (low risk).
Insolvency risk, next 12 months
Higher than 0 % of active companies in the United Kingdom. 0.0× the average annual insolvency rate (0.12 %).
Raises the risk
Lowers the risk
Each factor compares companies in the same group (for example the same age band) with the average. The score is a statistical estimate from public data (model AUC 0.99, trained 8 Nov 2026), not a credit rating. How it works.
Company details
- Company number
- 14213733 · official register
- Status
- Active
- Legal form
- Private Limited Company
- Incorporated
- 4 Jul 2022 (4 years)
- Registered address
- CF10 5AD CARDIFF
- Postcode area
- Cardiff
- Activity
- 66190 Activities auxiliary to financial intermediation n.e.c.
- Industry
- Activities auxiliary to financial services
- Accounts overdue
- No
Insolvency and register events
No insolvency or liquidation events on record.
Annual accounts GBP
| Period end | Published | Turnover | Result | Equity | Total assets | Current liabilities | Cash | Employees |
|---|---|---|---|---|---|---|---|---|
| 31 Jul 2025 | 15 Dec 2025 | – | – | £17k | £22k | £4,631 | – | 1 |
| 31 Jul 2024 | 15 May 2025 | – | – | £12k | £16k | £3,032 | – | 1 |
| 31 Jul 2023 | 15 Dec 2023 | – | – | −£3,258 | £11k | £13k | – | 1 |
As published. Small companies often file a balance sheet only, so turnover and result can be missing.
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Questions about SPENCE FINANCIAL LTD
What is the company number of SPENCE FINANCIAL LTD?
SPENCE FINANCIAL LTD is registered under company number 14213733 in the official register of United Kingdom. View it at the official register.
Is SPENCE FINANCIAL LTD still active?
Yes. SPENCE FINANCIAL LTD is registered as active (status: Active).
Has SPENCE FINANCIAL LTD gone bankrupt or into insolvency?
No insolvency, bankruptcy or administration is recorded for SPENCE FINANCIAL LTD in the official data.
How likely is SPENCE FINANCIAL LTD to become insolvent?
Our model estimates a 0.00 % probability that SPENCE FINANCIAL LTD becomes insolvent within the next 12 months (low risk). That is higher than 0 % of active companies in the United Kingdom.
When was SPENCE FINANCIAL LTD founded?
SPENCE FINANCIAL LTD was incorporated on 4 Jul 2022.
Where is SPENCE FINANCIAL LTD registered?
SPENCE FINANCIAL LTD's registered address is in CF10 5AD CARDIFF (Cardiff), United Kingdom.
What do the latest accounts of SPENCE FINANCIAL LTD show?
The latest published accounts (period ending 31 Jul 2025) show equity of £17k, total assets of £22k, 1 employees.
Data: Companies House – Free Company Data Product, Accounts Data Product, Public Data API (Contains public sector information licensed under the Open Government Licence v3.0.). Last updated 8 Nov 2026.