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Sterling Financial Consultants Limited

04009965

active
ltd
england wales
Companies House
Health Score
74 / 100

Some Concerns

30/30
Filing
10/30
Financial
34/40
Risk
  • 3 outstanding charges (-6)

Details

Bramble House, Wickham Road, Fareham, PO16 7JH
Incorporated 07/06/2000

Previously known as

Sterling Pension Consultants Limited · until 27/03/2002
Limitdate Limited · until 28/12/2001
Sterling Hamilton Wright Limited · until 29/12/2000
Limitdate Limited · until 17/08/2000

Compliance

Last accounts

31/03/2025

total exemption full

Next accounts due

31/12/2026

On track

Confirmation statement

Last: 22/11/2025

Due 06/12/2026

On track

Industry

66220
Activities of insurance agents and brokers
66290
Other activities auxiliary to insurance and pension funding

Officers

Denise Valerie Wilkinson

director · Since 11/09/2017

British · England · Age 57

Dean Campbell Banks

director · Since 24/02/2023

Australian · England · Age 53

Edward Louis Rosengarten

director · Since 24/02/2023

British · England · Age 58

Former

Instant Companies Limited

corporate nominee director · Resigned 26/07/2000

Swift Incorporations Limited

corporate nominee secretary · Resigned 26/07/2000

Timothy Kerry Simmons

director · Resigned 31/12/2003

Alan Edward Thurlow

secretary · Resigned 31/10/2004

Graham Stuart Spinks

director · Resigned 01/05/2008

David Leslie Hughes

director · Resigned 11/09/2013

Helen Susan Pescodd

director · Resigned 03/10/2014

Graham Stuart Spinks

director · Resigned 31/05/2019

Susan Jayne Giles

secretary · Resigned 29/06/2020

Matthew James Hill

director · Resigned 17/02/2023

Michael Owen

director · Resigned 24/02/2023

Lauren Sarah Owen

director · Resigned 24/02/2023

Sandra Gail Higgins

director · Resigned 24/02/2023

Lauren Sarah Owen

secretary · Resigned 24/02/2023

Persons with Significant Control

Mwa Financial Ltd

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

The Townhouse, 114-116 Fore Street, Hertford, SG14 1AJ

Reg: 12970693 · Companies House · Private Limited Company

Notified 24/02/2023

Former PSCs

Spm Employee Benefits Limited

Ceased 01/09/2022

Sfc Employee (Holdings) Limited

Ceased 24/02/2023

Charges3 outstanding

Charge
outstanding

FDC DEBT LP ACTING BY ITS GENERAL PARTNER FDC GENERAL PARTNER LIMITED AS LENDER

Created 29/11/2024Registered 04/12/2024
Charge
outstanding

DEAN CAMPBELL BANKS · MARK GOODFELLOW · EDWARD ROSENGARTEN · MWA FINANCE NO1 LTD

Created 11/10/2023Registered 19/10/2023
Charge
outstanding

CONISTON CAPITAL I LP

Created 11/10/2023Registered 16/10/2023
Charge
satisfied

TC LOANS LIMITED ACTING AS THE SECURITY TRUSTEE OF THE SECURED PARTIES

Created 24/02/2023Registered 28/02/2023Satisfied 23/12/2024

Change History

officer appointedBANKS, Dean Campbell
2026-06-06
officer appointedROSENGARTEN, Edward Louis
2026-06-06
officer appointedWILKINSON, Denise Valerie
2026-06-06
statusactive
2026-06-06

Active

post townFareham
2026-06-06

FAREHAM

typeltd
2026-06-06

Private Limited Company

address line1Bramble House
2026-06-06

BRAMBLE HOUSE

CompanyRankvs 3154+ SIC 66220 peers
43

Financial strength46th percentile among SIC peers · 12/25
Employees71th percentile among SIC peers · 11/15
LiquidityNo balance sheet data · 0/20
Longevity15 years trading (max 15) · 15/15
Filing complianceAll filings up to date · 15/15
Outstanding charges -10
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How is this score calculated?
Financial strength12/25 pts

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

Employees11/15 pts

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

Liquidity0/20 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

£4k

Balance sheet strength

Cash

£2k

Cash in the bank

Net Current Assets

£4k

Working capital

Current Assets

£4k

Current Liabilities

Debtors

£1k

3avg. employees-3

Tax at Year End(2019)

Corp tax£252

Balance Sheet

Assets less current liabilities£4k
Signed by Mr D Banks 22nd July 2025Prepared with Acorah Software Products - Accounts Production

EstimatesDerived

YearCurrent RatioImplied Profit
2025-£89k
20247.74
2020Infinity
20196.76
20185.01

Derived from filed accounts. Not audited figures.