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Charleston Financial Services Limited

07038315

active
Private Limited Company
england wales
Companies House
Health Score
73 / 100

Some Concerns

25/30
Filing
10/30
Financial
38/40
Risk
  • No accounts filed in last 18 months (-5)
  • Current liabilities exceed current assets (-10)
  • 1 outstanding charge (-2)

Details

9 COPPERHOUSE COURT, MILTON KEYNES, MK7 8NL
Incorporated 12/10/2009

Compliance

Last accounts

31/12/2024

small

Next accounts due

30/09/2026

On track

Confirmation statement

Last: 27/04/2026

Due 11/05/2027

On track

Industry

66220
Activities of insurance agents and brokers

Officers

Mr James Hardwick

director · Since 12/10/2009

MORTGAGE BROKER

BRITISH · UNITED KINGDOM · Age 43

Also on 2 other boards

Mr Jeremy Paul Gibson

director · Since 26/07/2024

CHIEF FINANCIAL OFFICER

BRITISH · ENGLAND · Age 53

Also on 55 other boards

Mr Mayank Prakash

director · Since 21/10/2025

DIRECTOR

BRITISH · ENGLAND · Age 53

Also on 50 other boards

Persons with Significant Control

Pivotal Growth Limited

75–100% shares
75–100% votes

Floor 4, 11 Leadenhall Street, London, EC3V 1LP

Reg: 13243328 · Companies House (England And Wales) · Private Limited Company

Notified 26/07/2024

Former PSCs

Mr James Douglas Hardwick

Ceased 26/07/2024

Charges1 outstanding

Charge
outstanding

AETHER FINANCIAL SERVICES UK LIMITED AS SECURITY TRUSTEE FOR THE SECURED PARTIES (AS DEFINED IN

Created 19/12/2025Registered 22/12/2025
Charge
satisfied

ATOM BANK PLC

Created 08/01/2021Registered 22/01/2021Satisfied 06/08/2024
Charge
satisfied

ATOM BANK PLC

Created 08/01/2021Registered 22/01/2021Satisfied 06/08/2024
Charge
satisfied

SANTANDER UK PLC AS SECURITY TRUSTEE

Created 12/08/2020Registered 13/08/2020Satisfied 25/07/2024
Charge
satisfied

NATIONAL WESTMINSTER BANK PLC

Created 12/12/2016Registered 14/12/2016Satisfied 01/02/2024

CompanyRankvs 42+ SIC 66220 peers
79

Financial strength94th percentile among SIC peers · 24/25
Employees97th percentile among SIC peers · 15/15
LiquidityCurrent ratio 2.75× · 20/20
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 strength24/25 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.

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

Outstanding charges: -10 pts

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

Key FinancialsYear ending 31/10/2023

Net Worth

£695k

Balance sheet strength

Cash

£447k

Cash in the bank

Net Current Assets

£840k

Working capital

Current Assets

£1.3M

Current Liabilities

£479k

Fixed Assets

£65k

Debtors

£872k

20avg. employees-1

Tax at Year End

Corp tax£8k

Balance Sheet

Assets less current liabilities£905k
Prepared with CCH Software

EstimatesDerived

YearCurrent RatioImplied Profit
20232.75-£151k
20224.73-£50k
20216.11+£116k
20208.25+£91k
20193.01+£687k
20183.86

Derived from filed accounts. Not audited figures.