Back to search

Pharon Independent Financial Advisers Limited

01105564

active
Private Limited Company
england wales
Companies House
Health Score
75 / 100

Some Concerns

25/30
Filing
10/30
Financial
40/40
Risk
  • No accounts filed in last 18 months (-5)
  • 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

Last accounts

31/12/2024

full

Next accounts due

30/09/2026

On track

Confirmation statement

Last: 12/01/2026

Due 26/01/2027

On track

Industry

65110
Life insurance

Officers

Mr Nicholas David O'Shea

director · Since 18/02/2003

FINANCIAL ADVISER

BRITISH · ENGLAND · Age 53

Also on 3 other boards

Mrs Elizabeth Evelyn Rule

director · Since 18/02/2003

FINANCIAL ADVISER

BRITISH · ENGLAND · Age 55

Mr Andrew Keith O'Shea

director · Since 24/10/2018

DIRECTOR

BRITISH · ENGLAND · Age 54

Also on 1 other board

Mr Robert James Cragg

director · Since 04/02/2020

DIRECTOR

BRITISH · ENGLAND · Age 42

Also on 2 other boards

Mr Thomas David Barnett

director · Since 24/11/2025

BRITISH · UNITED KINGDOM · Age 40

Also on 7 other boards

Ms Caroline Michelle Hawkesley

director · Since 21/04/2026

BRITISH · ENGLAND · Age 52

Persons with Significant Control

Craven Street Wealth Limited

75–100% shares
75–100% votes
Appoint directors

Lawrence House, Summer Hill, Canterbury, CT2 8GT

Reg: 13077997 · England And Wales Company Registry · Private Limited Company

Notified 24/11/2025

Former PSCs

Mr Roger Keith O'Shea

Ceased 30/08/2021

Mrs Claire Naomi O'Shea

Ceased 07/08/2023

Mr Andrew Keith O'Shea

Ceased 24/11/2025

Mr Nicholas David O'Shea

Ceased 24/11/2025

CompanyRankvs 15+ 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-£250k
20228.25-£38k
20216.69

Derived from filed accounts. Not audited figures.