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Perspective Financial Group Limited

06455775

active
Private Limited Company
Companies House
Health Score
59 / 100

Notable Risks

25/30
Filing
0/30
Financial
34/40
Risk
  • No accounts filed in last 18 months (-5)
  • Negative net worth (-10)
  • Current liabilities exceed current assets (-10)
  • Going concern doubt noted in accounts (-10)
  • 3 outstanding charges (-6)

Details

LANCASTER HOUSE, ACKHURST BUSINESS PARK, CHORLEY, PR7 1NY
Incorporated 18/12/2007

Compliance

Accounts

Up to date

Confirmation statement

Up to date

Industry

64999
Other financial service activities

Officers

Mr David John Philip Hesketh

secretary · Since 19/12/2013

Also on 1 other board

Ms Julie Suzanne Hepworth

director · Since 19/12/2013

COMPLIANCE DIRECTOR

BRITISH · ENGLAND · Age 52

Also on 41 other boards

Mr David John Philip Hesketh

director · Since 19/12/2013

ACCOUNTANT

BRITISH · ENGLAND · Age 45

Also on 1 other board

Mr Ian Mitcheal Wilkinson

director · Since 19/12/2013

FINANCIAL ADVISER DIRECTOR

BRITISH · UNITED KINGDOM · Age 55

Also on 35 other boards

Mr Sam Philip Ward

director · Since 31/08/2024

DIRECTOR

BRITISH · ENGLAND · Age 40

Also on 19 other boards

Persons with Significant Control

Former PSCs

Mr Paul Henry Hogarth

Ceased 20/12/2019

Cbpe Capital Ix Gp Llp

Ceased 08/05/2024

Cbpe Capital Llp

Ceased 08/05/2024

Charges3 outstanding

Charge
outstanding

ARES MANAGEMENT LIMITED AS SECURITY AGENT

Created 04/06/2025Registered 09/06/2025
Charge
outstanding

LLOYDS BANK PLC

Created 27/09/2024Registered 07/10/2024
Charge
outstanding

ARES MANAGEMENT LIMITED AS SECURITY AGENT FOR ITSELF AND THE SECURED PARTIES

Created 30/08/2024Registered 16/09/2024
Charge
satisfied

NATIONAL WESTMINSTER BANK PLC

Created 16/11/2018Registered 19/11/2018Satisfied 16/09/2024
Charge
satisfied

NATIONAL WESTMINSTER BANK PLC

Created 23/06/2016Registered 27/06/2016Satisfied 16/09/2024
Charge
satisfied

MOSAIC PRIVATE EQUITY (NOMINEES) LIMITED

Created 03/06/2014Registered 18/06/2014Satisfied 09/07/2014
Charge
satisfied

LLOYDS BANK PLC

Created 03/06/2014Registered 05/06/2014Satisfied 08/07/2016
Charge
satisfied

PAUL HOGARTH

Created 02/08/2013Registered 10/08/2013Satisfied 04/09/2024
charge
satisfied

LLOYDS TSB BANK PLC

Created 30/04/2012Registered 03/05/2012Satisfied 08/07/2016
charge
satisfied

LLOYDS TSB BANK PLC

Created 19/03/2012Registered 21/03/2012Satisfied 08/07/2016
charge
satisfied

LLOYDS TSB BANK PLC

Created 20/12/2011Registered 21/12/2011Satisfied 08/07/2016
charge
satisfied

LLOYDS TSB BANK PLC

Created 31/08/2011Registered 01/09/2011Satisfied 08/07/2016
charge
satisfied

LLOYDS TSB BANK PLC

Created 30/06/2011Registered 02/07/2011Satisfied 08/07/2016
charge
satisfied

LLOYDS TSB BANK PLC

Created 03/06/2011Registered 04/06/2011Satisfied 08/07/2016
charge
satisfied

LLOYDS TSB BANK PLC

Created 31/05/2011Registered 02/06/2011Satisfied 08/07/2016
charge
satisfied

LLOYDS TSB BANK PLC

Created 23/12/2010Registered 31/12/2010Satisfied 08/07/2016
charge
satisfied

LLOYDS TSB BANK PLC

Created 22/12/2010Registered 30/12/2010Satisfied 08/07/2016
charge
satisfied

MOSAIC PRIVATE EQUITY (NOMINEES) LIMITED (SECURITY TRUSTEE)

Created 14/12/2010Registered 20/12/2010Satisfied 04/09/2024
charge
satisfied

LLOYDS TSB BANK PLC

Created 29/10/2010Registered 02/11/2010Satisfied 08/07/2016
charge
satisfied

LLOYDS TSB BANK PLC

Created 06/08/2010Registered 10/08/2010Satisfied 08/07/2016
charge
satisfied

LLOYDS TSB BANK PLC

Created 04/06/2010Registered 09/06/2010Satisfied 08/07/2016
charge
satisfied

LLOYDS TSB BANK PLC

Created 22/03/2010Registered 25/03/2010Satisfied 08/07/2016
charge
satisfied

LLOYDS TSB BANK PLC

Created 04/02/2010Registered 06/02/2010Satisfied 08/07/2016
charge
satisfied

LLOYDS TSB BANK PLC

Created 08/01/2010Registered 14/01/2010Satisfied 08/07/2016
charge
satisfied

LLOYDS TSB BANK PLC

Created 18/12/2009Registered 29/12/2009Satisfied 08/07/2016
charge
satisfied

LLOYDS TSB BANK PLC

Created 03/12/2009Registered 05/12/2009Satisfied 08/07/2016
charge
satisfied

LLOYDS TSB BANK PLC

Created 16/10/2009Registered 21/10/2009Satisfied 08/07/2016
charge
satisfied

LLOYDS TSB BANK PLC

Created 04/09/2009Registered 10/09/2009Satisfied 08/07/2016
charge
satisfied

LLOYDS TSB BANK PLC

Created 08/10/2008Registered 09/10/2008Satisfied 08/07/2016
charge
satisfied

LLOYDS TSB BANK PLC

Created 08/10/2008Registered 09/10/2008Satisfied 08/07/2016
charge
satisfied

LLOYDS TSB BANK PLC

Created 02/04/2008Registered 09/04/2008Satisfied 24/06/2016
charge
satisfied

LLOYDS TSB BANK PLC

Created 02/04/2008Registered 09/04/2008Satisfied 08/07/2016
charge
satisfied

LLOYDS TSB BANK PLC

Created 02/04/2008Registered 09/04/2008Satisfied 08/07/2016
charge
satisfied

LLOYDS TSB BANK PLC

Created 02/04/2008Registered 09/04/2008Satisfied 08/07/2016
charge
satisfied

MODUS PRIVATE EQUITY (NOMINEES) LIMITED OR SUCH OTHER PERSON AS MAY BE APPOINTED PURSUANT TO TH

Created 02/04/2008Registered 05/04/2008Satisfied 04/09/2024

CompanyRankvs 13278+ SIC 64999 peers
27

Financial strength0th percentile among SIC peers · 0/25
Employees100th percentile among SIC peers · 15/15
LiquidityCurrent ratio 0.07× · 2/20
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 strength0/25 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

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

have not disclosed in the financial statements any identified material uncertainties that may cast significant doubt about the Group's or the parent Company's ability to continue to adopt the going concern basis of accounting for a period of at least twelve months from the date when the financial statements are authorised for issue. OTHER INFORMATION The directors are responsible for the other inf

Key FinancialsYear ending 31/12/2018

Net Worth

-£12.4M

Balance sheet strength

Cash

£2.2M

Cash in the bank

Net Current Assets

-£35.8M

Working capital

Current Assets

£2.9M

Current Liabilities

£38.7M

Fixed Assets

£37.6M

Debtors

£272k

Profit After Tax

-£2.8M

160avg. employees-9

Balance Sheet

Intangible assets£600
Bank loans & overdrafts£2.5M
Assets less current liabilities£1.8M
Prepared with Caseware UK (AP4) 2018.0.196

EstimatesDerived

YearCurrent RatioImplied Profit
20180.07-£2.8M
20170.03

Derived from filed accounts. Not audited figures.