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Suitable Financial Advice Ltd

05158621

active
ltd
england wales
Companies House
Health Score
76 / 100

Some Concerns

30/30
Filing
10/30
Financial
36/40
Risk
  • Current liabilities exceed current assets (-10)
  • Going concern doubt noted in accounts (-10)
  • 2 outstanding charges (-4)

Details

The Old Library, 231 Eaves Lane, Chorley, PR6 0AG
Incorporated 21/06/2004

Previously known as

Suitable Mortgages Limited · until 30/11/2010

Compliance

Last accounts

31/12/2025

medium

Next accounts due

30/09/2027

On track

Confirmation statement

Last: 24/02/2026

Due 10/03/2027

On track

Industry

64999
Other financial service activities
66190
Other activities auxiliary to financial services
66220
Activities of insurance agents and brokers
66290
Other activities auxiliary to insurance and pension funding

Officers

Brendan Patrick Coburn

director · Since 24/01/2025

British · United Kingdom · Age 58

Alasdair Euan Mcwilliams

director · Since 24/01/2025

British · England · Age 32

Former

Waterlow Secretaries Limited

corporate nominee secretary · Resigned 21/06/2004

Waterlow Nominees Limited

corporate nominee director · Resigned 21/06/2004

Beverley Christine Loughlin

secretary · Resigned 24/01/2025

Matthew John Loughlin

director · Resigned 24/01/2025

Persons with Significant Control

Throgmorton Midco Limited

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

3rd Floor, 44 Esplanade, St Helier, JE4 9WG

Reg: 164224 · Jersey Financial Services Commission · Private Limited Company

Notified 24/03/2026

Former PSCs

Mrs Beverley Christine Loughlin

Ceased 24/01/2025

Mr Matthew John Loughlin

Ceased 24/01/2025

Throgmorton Holdings Limited

Ceased 24/03/2026

Charges2 outstanding

Charge
outstanding

PALMER AGENCY SERVICES (SPAIN), S.L. AS SECURITY AGENT

Created 21/04/2026Registered 22/04/2026
Charge
outstanding

SHAWBROOK BANK LIMITED

Created 24/01/2025Registered 25/01/2025

Change History

officer appointedCOBURN, Brendan Patrick
2026-06-10
officer appointedMCWILLIAMS, Alasdair Euan
2026-06-10
statusactive
2026-06-10

Active

typeltd
2026-06-10

Private Limited Company

address line1The Old Library
2026-06-10

THE OLD LIBRARY

post townChorley
2026-06-10

CHORLEY

CompanyRankvs 1396+ SIC 64999 peers
61

Financial strength82th percentile among SIC peers · 21/25
Employees64th percentile among SIC peers · 10/15
LiquidityCurrent ratio 5.49× · 20/20
Longevity15 years trading (max 15) · 15/15
Filing complianceAll filings up to date · 15/15
Going concern doubt -10Outstanding charges -10
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How is this score calculated?
Financial strength21/25 pts

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

Employees10/15 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

Outstanding charges: -10 pts

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

Going Concern Doubt

e performed, we have not identified any material uncertainties relating to events or conditions that, individually or collectively, may cast significant doubt on the entity's ability to continue as a going concern for a period of at least 12 months from when the financial statements are authorised for issue. Our responsibilities and the responsibilities of the directors with respect to going conce

Key FinancialsYear ending 31/12/2025

Turnover

£157k

Annual revenue

Net Worth

£146k

Balance sheet strength

Cash

£147k

Cash in the bank

Profit Before Tax

£115k

Bottom line earnings

Net Current Assets

£144k

Working capital

Current Assets

£176k

Current Liabilities

£32k

Fixed Assets

£1k

Debtors

£29k

Cost of Sales

£4k

Gross Profit

£153k

Admin Expenses

£38k

Operating Profit

£115k

Profit After Tax

£87k

2avg. employees-2

Tax at Year End

Corp tax£29k

People Costs

Wages & salaries£17k

Balance Sheet

Assets less current liabilities£146k
Signed by Mr Alasdair McWilliams 23rd April 2026Prepared with Acorah Software Products - Accounts Production

EstimatesDerived

YearCurrent RatioImplied Profit
20255.49+£87k
20253.11
20232.75
20222.93

Derived from filed accounts. Not audited figures.