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Aspirations Financial Advice Ltd

08252963

active
Private Limited Company
Companies House
Health Score
72 / 100

Some Concerns

30/30
Filing
10/30
Financial
32/40
Risk
  • Current liabilities exceed current assets (-10)
  • 4 outstanding charges (-8)

Details

IST FLOOR, WEST OFFICES WILLOW BROOK CENTRE, BRISTOL, BS32 8BS
Incorporated 15/10/2012

Compliance

Accounts

Up to date

Confirmation statement

Up to date

Industry

65110
Life insurance
66290
Other activities auxiliary to insurance and pension funding
66300
Fund management activities

Officers

Mr Adam David Charles Palmer

director · Since 03/09/2018

FINANCIAL ADVISER

BRITISH · ENGLAND · Age 50

Also on 5 other boards

Mr Andrew David Harris

secretary · Since 20/05/2019

Also on 4 other boards

Mr Andrew David Harris

director · Since 17/11/2020

DIRECTOR

BRITISH · ENGLAND · Age 64

Also on 4 other boards

Persons with Significant Control

Rar Holdings Ltd

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

Unit 2a Site D, Kemble Airfield, Cirencester, GL7 6BA

Reg: 11329644 · Adam Palmer · Private Limited Company

Notified 03/09/2018

Former PSCs

Mr Paul Whitton

Ceased 03/09/2018

Mr Stephen John Gilpin

Ceased 03/09/2018

Charges4 outstanding

Charge
outstanding

ADAM PALMER

Created 25/03/2026Registered 10/04/2026
Charge
outstanding

ANDREW HARRIS

Created 25/03/2026Registered 01/04/2026
Charge
outstanding

UMBRA FINANCE LIMITED (AS SECURITY TRUSTEE)

Created 17/03/2025Registered 18/03/2025
Charge
outstanding

VERTUS CAPITAL SPV1 LIMITED

Created 18/10/2021Registered 26/10/2021
Charge
satisfied

VERTUS CAPITAL SPV1 LIMITED, REGISTRATION NUMBER 10294991, THE LENDER (AS DEFINED IN THE INSTRU

Created 16/07/2021Registered 21/07/2021Satisfied 30/07/2025
Charge
satisfied

BARCLAYS SECURITY TRUSTEE LIMITED

Created 26/05/2020Registered 01/06/2020Satisfied 04/05/2021

CompanyRankvs 208+ SIC 65110 peers
73

Financial strength92th percentile among SIC peers · 23/25
Employees97th percentile among SIC peers · 15/15
LiquidityCurrent ratio 1.79× · 16/20
Longevity14 years trading (max 15) · 14/15
Filing complianceAll filings up to date · 15/15
Outstanding charges -10
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208Aspirations Financial Advice Ltd
78
How is this score calculated?
Financial strength23/25 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.

Liquidity16/20 pts

Current assets ÷ current liabilities. A ratio above 2× earns full marks; between 1–2× scores partially; below 0.5× scores minimal points.

Longevity14/15 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 31/12/2024

Net Worth

£495k

Balance sheet strength

Cash

£230

Cash in the bank

Net Current Assets

£496k

Working capital

Current Assets

£1.1M

Current Liabilities

£629k

Fixed Assets

£3k

Debtors

£1.1M

20avg. employees

Balance Sheet

Assets less current liabilities£499k

EstimatesDerived

YearCurrent RatioImplied Profit
20241.79-£146k
20231.91+£91k
20221.87+£65k
20212.50+£142k
20203.27+£174k
20191.44+£219k
20180.12—

Derived from filed accounts. Not audited figures.