Back to search

Lifetime Financial Management Limited

03652194

active
Private Limited Company
england wales
Companies House
Health Score
80 / 100

Healthy

30/30
Filing
20/30
Financial
30/40
Risk
  • 5 outstanding charges (-10)

Details

12-14 UPPER MARLBOROUGH ROAD, ST. ALBANS, AL1 3UR
Incorporated 20/10/1998

Compliance

Last accounts

31/03/2025

small

Next accounts due

31/12/2026

On track

Confirmation statement

Last: 20/10/2025

Due 03/11/2026

On track

Industry

66190
Other activities auxiliary to financial services

Officers

Mr Paul Merrigan

director · Since 20/10/1998

MANAGING DIRECTOR

BRITISH · UNITED KINGDOM · Age 60

Also on 21 other boards

Mr Christopher John Last

director · Since 01/03/2017

FINANCIAL SERVICES PROFESSIONAL

BRITISH · ENGLAND · Age 69

Also on 5 other boards

Persons with Significant Control

Mr Ufuk Ozturk

ownership-of-shares-25-to-50-percent-as-firm
25–50% votes
voting-rights-25-to-50-percent-as-firm
Appoint directors
significant-influence-or-control-as-firm

British · England · Age 54

12-14, Upper Marlborough Road, St. Albans, AL1 3UR

Notified 06/04/2016

Mr Paul Merrigan

ownership-of-shares-25-to-50-percent-as-firm
25–50% votes
voting-rights-25-to-50-percent-as-firm
Appoint directors
significant-influence-or-control-as-firm

British · United Kingdom · Age 60

12-14, Upper Marlborough Road, St. Albans, AL1 3UR

Notified 06/04/2016

Charges5 outstanding

charge
outstanding

THE TRUSTEES OF THE PLAZA PENSION SCHEME BEING NSS TRUSTEES LIMITED SHLOMO SALAMA AND LOLA SALA

Created 24/03/2011Registered 13/04/2011
charge
outstanding

AMALGAMATED BERKSHIRE PROPERTIES LIMITED

Created 03/12/2010Registered 16/12/2010
charge
outstanding

AMALGAMATED BERKSHIRE PROPERTIES LIMITED

Created 23/04/2009Registered 06/05/2009
charge
outstanding

HSBC BANK PLC

Created 01/02/2008Registered 07/02/2008
charge
outstanding

AMALGAMATED BERKSHIRE INVESTMENTS LIMITED

Created 19/06/2001Registered 20/06/2001

CompanyRankvs 935+ SIC 66190 peers
64

Financial strength92th percentile among SIC peers · 23/25
Employees63th percentile among SIC peers · 9/15
LiquidityCurrent ratio 1.13× · 12/20
Longevity15 years trading (max 15) · 15/15
Filing complianceAll filings up to date · 15/15
Outstanding charges -10
Show leaderboard
1Evans Hart Limited
90
2Titan Pensions & Investments Limited
90
3Skybound Financial Planning Limited
90
4Lumin Wealth Limited
90
5Afry Capital Limited
90
6Pfm Associates Limited
90
7Paradigm Norton Financial Planning Limited
90
8Sgm - Foreign Exchange Limited
90
9Tyler Capital Limited
90
10Kroll Issuer Services Limited
90
935Lifetime Financial Management Limited
74
How is this score calculated?
Financial strength23/25 pts

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

Employees9/15 pts

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

Liquidity12/20 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

Outstanding charges: -10 pts

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

Key FinancialsYear ending 31/03/2025

Net Worth

£447k

Balance sheet strength

Cash

£24k

Cash in the bank

Net Current Assets

£445k

Working capital

Current Assets

£3.9M

Current Liabilities

£3.5M

Fixed Assets

£1k

Debtors

£3.9M

2avg. employees

Balance Sheet

Intangible assets£5
Assets less current liabilities£447k
Prepared with IRIS Accounts Production

EstimatesDerived

YearCurrent RatioImplied Profit
20251.13+£0
20251.13—

Derived from filed accounts. Not audited figures.