Back to search

Pharon Independent Financial Advisers Limited

01105564

active
Private Limited Company
Companies House
Health Score
80 / 100

Healthy

30/30
Filing
10/30
Financial
40/40
Risk
  • Current liabilities exceed current assets (-10)
  • Going concern doubt noted in accounts (-10)

Details

LAWRENCE HOUSE SUMMER HILL, CANTERBURY, CT2 8GT
Incorporated 02/04/1973

Compliance

Accounts

Up to date

Confirmation statement

Up to date

Industry

65110
Life insurance

Officers

Thomas David Barnett

director · Since 24/11/2025

British

Robert James Cragg

director · Since 04/02/2020

British

Andrew Keith O'Shea

director · Since 24/10/2018

British

Nicholas David O'Shea

director · Since 18/02/2003

British

Elizabeth Evelyn Rule

director · Since 18/02/2003

British

Former

Robert James Cragg

secretary · Resigned 24/11/2025

Craig Ian Oliver

secretary · Resigned 27/02/2009

Elizabeth Evelyn Jane Rule

secretary · Resigned 02/04/2019

Michael John Sargeant

secretary · Resigned 03/09/2010

Michael John Sargeant

secretary · Resigned 31/12/2001

Graham Mackenzie Tipple

secretary · Resigned 11/07/2003

Peter Charles Curtiss

director · Resigned 26/04/2010

David Durham

director · Resigned 12/06/2000

William Gordon Glebioska

director · Resigned 18/07/2005

Patrick John Mill

director · Resigned 07/04/2026

Roger Keith O'Shea

director · Resigned 30/08/2021

Michael John Sargeant

director · Resigned 03/09/2010

Ronald Charles Woodward

director · Resigned 12/09/2002

CompanyRankvs 105+ SIC 65110 peers
80

Financial strength100th percentile among SIC peers · 25/25
Employees99th percentile among SIC peers · 15/15
LiquidityCurrent ratio 7.58× · 20/20
Longevity15 years trading (max 15) · 15/15
Filing complianceAll filings up to date · 15/15
Going concern doubt -10
Show leaderboard
How is this score calculated?
Financial strength25/25 pts

Net worth compared to all companies in the same SIC code with published accounts. Top quartile earns the full 25 points.

Employees15/15 pts

Workforce size relative to sector peers from the most recent accounts. A larger team generally signals commercial scale.

Liquidity20/20 pts

Current assets ÷ current liabilities. A ratio above 2× earns full marks; between 1–2× scores partially; below 0.5× scores minimal points.

Longevity15/15 pts

One point per year of operation since incorporation, capped at 15. Older companies have a proven track record.

Filing compliance15/15 pts

Full 15 points when both annual accounts and confirmation statement are filed on time. Points are deducted for each overdue filing.

Risk deductions

Going concern doubt: -10 pts

Maximum score is 100. Deductions apply for insolvency history, outstanding charges, going concern doubt, or disqualified officers.

Going Concern Doubt

we have not identified any material uncertainties relating to events or conditions that, individually or collectively, may cast significant doubt on the Company's ability to continue as a going concern for a period of at least twelve months from when the financial statements are authorised for issue. Our responsibilities and the responsibilities of the directors with respect to going co

Key FinancialsYear ending 31/12/2024

Turnover

£6.0M

Annual revenue

Net Worth

£4.8M

Balance sheet strength

Cash

£4.1M

Cash in the bank

Profit Before Tax

£2.5M

Bottom line earnings

Net Current Assets

£4.8M

Working capital

Current Assets

£5.5M

Current Liabilities

£724k

Fixed Assets

£6k

Debtors

£118k

Cost of Sales

£3.1M

Gross Profit

£2.8M

Admin Expenses

£553k

Operating Profit

£2.3M

Profit After Tax

£1.9M

37avg. employees+1

Tax at Year End

Corp tax£207k
Dividends paid-£1k

People Costs

Wages & salaries£2.1M
NI contributions£228k

Balance Sheet

Assets less current liabilities£4.8M
Prepared with Caseware UK (AP4) 2024.0.164

EstimatesDerived

YearCurrent RatioImplied Profit
20247.58+£1.9M
20234.77

Derived from filed accounts. Not audited figures.