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Lifetime Wealth Management Limited

04631136

active
Private Limited Company
Companies House
Health Score
76 / 100

Some Concerns

30/30
Filing
10/30
Financial
36/40
Risk
  • Current liabilities exceed current assets (-10)
  • 2 outstanding charges (-4)

Details

12-14 UPPER MARLBOROUGH ROAD, ST. ALBANS, AL1 3UR
Incorporated 08/01/2003

Compliance

Accounts

Up to date

Confirmation statement

Up to date

Industry

64999
Other financial service activities

Officers

Mr Paul Merrigan

director · Since 08/01/2003

BUSINESS EXECUTIVE

BRITISH · UNITED KINGDOM · Age 60

Also on 21 other boards

Mr Christopher John Last

director · Since 08/06/2016

FINANCIAL SERVICES PROFESSIONAL

BRITISH · ENGLAND · Age 69

Also on 5 other boards

Persons with Significant Control

Mr Paul Merrigan

ownership-of-shares-25-to-50-percent-as-firm

British · United Kingdom · Age 60

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

Notified 06/04/2016

Mr Ufuk Ozturk

ownership-of-shares-25-to-50-percent-as-firm

British · England · Age 51

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

Notified 06/04/2016

Charges2 outstanding

Charge
outstanding

QUILTER FINANCIAL PLANNING LIMITED

Created 14/05/2026Registered 21/05/2026
Charge
outstanding

QUILTER FINANCIAL PLANNING LIMITED

Created 27/03/2025Registered 10/04/2025
charge
satisfied

HSBC BANK PLC

Created 21/05/2009Registered 23/05/2009Satisfied 13/03/2026

CompanyRankvs 7356+ SIC 64999 peers
53

Financial strength62th percentile among SIC peers · 16/25
Employees99th percentile among SIC peers · 15/15
LiquidityCurrent ratio 0.4× · 2/20
Longevity15 years trading (max 15) · 15/15
Filing complianceAll filings up to date · 15/15
Outstanding charges -10
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7356Lifetime Wealth Management Limited
63
How is this score calculated?
Financial strength16/25 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.

Liquidity2/20 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

£17k

Balance sheet strength

Cash

£169k

Cash in the bank

Net Current Assets

-£2.1M

Working capital

Current Assets

£1.4M

Current Liabilities

£3.5M

Fixed Assets

£4.2M

Debtors

£1.3M

25avg. employees

Balance Sheet

Intangible assets£929k
Assets less current liabilities£2.1M
Prepared with IRIS Accounts Production

EstimatesDerived

YearCurrent RatioImplied Profit
20250.40+£0
20250.40—

Derived from filed accounts. Not audited figures.