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Private & Commercial Lifetime Partners Limited

05285515

active
Private Limited Company
england wales
Companies House
Health Score
70 / 100

Some Concerns

30/30
Filing
0/30
Financial
40/40
Risk
  • Negative net worth (-10)
  • Going concern doubt noted in accounts (-10)

Details

12 - 14 UPPER MARLBOROUGH ROAD, ST. ALBANS, AL1 3UR
Incorporated 12/11/2004

Compliance

Last accounts

31/03/2025

small

Next accounts due

31/12/2026

On track

Confirmation statement

Last: 06/11/2025

Due 20/11/2026

On track

Industry

64999
Other financial service activities

Officers

Mr Matthew James Thomas

director · Since 01/05/2015

DIRECTOR

BRITISH · UNITED KINGDOM · Age 44

Mr Paul Merrigan

director · Since 08/10/2021

DIRECTOR

BRITISH · UNITED KINGDOM · Age 60

Also on 21 other boards

Persons with Significant Control

Mr Matthew James Thomas

25–50% shares
25–50% votes

British · United Kingdom · Age 44

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

Notified 07/10/2021

Lifetime Wealth Management Limited

50–75% shares
50–75% votes
Appoint directors

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

Reg: 04631136 · England & Wales · Limited Company

Notified 08/10/2021

Former PSCs

Mr Ian David White

Ceased 08/10/2021

CompanyRankvs 18027+ SIC 64999 peers
29

Financial strength4th percentile among SIC peers · 1/25
Employees16th percentile among SIC peers · 2/15
LiquidityCurrent ratio 0.66× · 6/20
Longevity15 years trading (max 15) · 15/15
Filing complianceAll filings up to date · 15/15
Going concern doubt -10
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How is this score calculated?
Financial strength1/25 pts

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

Employees2/15 pts

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

Liquidity6/20 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

financial statements are rounded to the nearest £. The financial statements have been prepared under the historical cost convention. The principal accounting policies adopted are set out below. 1.2 Going concern Private & Commercial Lifetime Partners Limited will be financially supported by the Lifetime group if required, and therefore, there is no material uncertainty in relation to going c

Key FinancialsYear ending 31/03/2025

Net Worth

-£46k

Balance sheet strength

Cash

£461

Cash in the bank

Net Current Assets

-£46k

Working capital

Current Assets

£90k

Current Liabilities

£136k

Fixed Assets

£3k

Debtors

£90k

0avg. employees

Director Loans(2021)

Company owes directors£3k
Directors owe company£196k

Balance Sheet

Intangible assets£0
Assets less current liabilities-£43k
Prepared with CCH Software

EstimatesDerived

YearCurrent RatioImplied Profit
20250.66+£0
20250.66-£131k
20223.42+£60k
20212.42+£23k
20203.08-£30k
20191.56+£31k
20181.18

Derived from filed accounts. Not audited figures.