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Pharon Independent Financial Advisers Limited

01105564

active
ltd
england wales
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, Harbledown, Canterbury, CT2 8GT
Incorporated 02/04/1973

Previously known as

Pharon Insurance Brokers (Life And Pensions) Limited · until 31/01/2001
Pharos Insurance Brokers (Life & Pensions) Limited · until 05/01/1990

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 Robert James Cragg

director · Since 04/02/2020

DIRECTOR

BRITISH · ENGLAND · Age 43

Also on 2 other boards

Mr Thomas David Barnett

director · Since 24/11/2025

BRITISH · UNITED KINGDOM · Age 41

Also on 7 other boards

Ms Caroline Michelle Hawkesley

director · Since 21/04/2026

BRITISH · ENGLAND · Age 52

Mr Raj Ladwa

director · Since 07/07/2026

BRITISH · ENGLAND · Age 48

Nicholas David O'Shea

director · Since 18/02/2003

British · England · Age 53

Elizabeth Evelyn Rule

director · Since 18/02/2003

British · England · Age 55

Robert James Cragg

director · Since 04/02/2020

British · England · Age 43

Thomas David Barnett

director · Since 24/11/2025

British · United Kingdom · Age 41

Caroline Michelle Hawkesley

director · Since 21/04/2026

British · England · Age 52

Raj Ladwa

director · Since 07/07/2026

British · England · Age 48

Former

David Durham

director · Resigned 12/06/2000

Michael John Sargeant

secretary · Resigned 31/12/2001

Ronald Charles Woodward

director · Resigned 12/09/2002

Graham Mackenzie Tipple

secretary · Resigned 11/07/2003

William Gordon Glebioska

director · Resigned 18/07/2005

Craig Ian Oliver

secretary · Resigned 27/02/2009

Peter Charles Curtiss

director · Resigned 26/04/2010

Michael John Sargeant

director · Resigned 03/09/2010

Michael John Sargeant

secretary · Resigned 03/09/2010

Elizabeth Evelyn Jane Rule

secretary · Resigned 02/04/2019

Roger Keith O'Shea

director · Resigned 30/08/2021

Robert James Cragg

secretary · Resigned 24/11/2025

Patrick John Mill

director · Resigned 07/04/2026

Andrew Keith O'Shea

director · Resigned 31/07/2026

Mr Andrew Keith O'Shea

director · Resigned 31/07/2026

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

Change History

status → active
2026-08-21

Active

type → ltd
2026-08-21

Private Limited Company

address line1 → Lawrence House Summer Hill
2026-08-21

LAWRENCE HOUSE SUMMER HILL

post town → Canterbury
2026-08-21

CANTERBURY

officer appointed → BARNETT, Thomas David
2026-08-21
officer appointed → CRAGG, Robert James
2026-08-21
officer appointed → HAWKESLEY, Caroline Michelle
2026-08-21
officer appointed → LADWA, Raj
2026-08-21
officer appointed → O'SHEA, Nicholas David
2026-08-21
officer appointed → RULE, Elizabeth Evelyn
2026-08-21

CompanyRankvs 15+ SIC 65110 peers
80

Financial strength100th percentile among SIC peers · 25/25
Employees99th percentile among SIC peers · 15/15
LiquidityCurrent ratio 7.61× · 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

that are free from material misstatement, whether due to fraud or error. In preparing the financial statements , the directors are responsible for assessing the Company 's ability to continue as a going concern, disclosing, as applicable, matters related to going concern and using the going concern basis of accounting unless the directors either intend to liquidate the Company or to cease operatio

Key FinancialsYear ending 31/12/2025

Turnover

£6.4M

Annual revenue

Net Worth

£6.5M

Balance sheet strength

Cash

£3.3M

Cash in the bank

Profit Before Tax

£2.3M

Bottom line earnings

Net Current Assets

£6.5M

Working capital

Current Assets

£7.4M

Current Liabilities

£979k

Fixed Assets

£5k

Debtors

£4.2M

Cost of Sales

£3.8M

Gross Profit

£2.6M

Admin Expenses

£519k

Operating Profit

£2.1M

Profit After Tax

£1.7M

39avg. employees+2

Tax at Year End

Corp tax£302k
Dividends paid-£1k

People Costs

Wages & salaries£2.6M
NI contributions£347k

Balance Sheet

Assets less current liabilities£6.5M
Prepared with Caseware UK (AP4) 2025.0.111

EstimatesDerived

YearCurrent RatioImplied Profit
20257.61+£1.7M
20247.58+£1.9M
20234.77—

Derived from filed accounts. Not audited figures.