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Aspirations Financial Advice Ltd

08252963

active
ltd
england wales
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, Bradley Stoke, Bristol, BS32 8BS
Incorporated 15/10/2012

Compliance

Last accounts

31/12/2024

unaudited abridged

Next accounts due

31/12/2026

On track

Confirmation statement

Last: 24/06/2026

Due 08/07/2027

On track

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 51

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

Adam David Charles Palmer

director · Since 03/09/2018

British · England · Age 51

Andrew David Harris

secretary · Since 20/05/2019

Andrew David Harris

director · Since 17/11/2020

British · England · Age 64

Former

Simon Mark Anstey

director · Resigned 01/04/2015

Stephen John Gilpin

director · Resigned 03/09/2018

Paul John Whitton

director · Resigned 03/09/2018

Deborah Whitton

director · Resigned 03/09/2018

Andrew David Harris

director · Resigned 01/02/2019

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

Change History

officer appointedHARRIS, Andrew David
2026-08-28
officer appointedHARRIS, Andrew David
2026-08-28
officer appointedPALMER, Adam David Charles
2026-08-28
statusactive
2026-08-28

Active

typeltd
2026-08-28

Private Limited Company

address line1Ist Floor, West Offices Willow Brook Centre
2026-08-28

IST FLOOR, WEST OFFICES WILLOW BROOK CENTRE

post townBristol
2026-08-28

BRISTOL

CompanyRankvs 196+ 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
Show leaderboard
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 23/07/2025

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
Signed by Registered Company No. 08252963 ASPIRATIONS FINANCIAL ADVICE LTD Notes to the Financial Statements for the year ended 31

EstimatesDerived

YearCurrent RatioImplied Profit
20251.79+£0
20241.79-£146k
20231.91

Derived from filed accounts. Not audited figures.

Filing History100 filings

Confirmation statement

confirmation statement with no updates

24/06/20263 pages · PDF
Accounts date changed

change account reference date company previous extended

24/06/20261 page · PDF
RESOLUTIONS

resolution

25/04/20261 page · PDF
MA

memorandum articles

25/04/202611 pages · PDF
MR01

mortgage create with deed with charge number charge creation date

10/04/202637 pages · PDF
MR01

mortgage create with deed with charge number charge creation date

01/04/202637 pages · PDF
MR04

mortgage satisfy charge full

30/07/20251 page · PDF
Accounts filed

accounts with accounts type unaudited abridged

23/07/20257 pages · PDF
Confirmation statement

confirmation statement with updates

08/07/20256 pages · PDF
MR01

mortgage create with deed with charge number charge creation date

18/03/202539 pages · PDF
Accounts filed

accounts with accounts type unaudited abridged

30/09/20248 pages · PDF
SH19

capital statement capital company with date currency figure

25/09/20248 pages · PDF
RESOLUTIONS

resolution

02/09/20242 pages · PDF
RESOLUTIONS

resolution

27/08/20241 page · PDF
Share buyback

capital return purchase own shares

27/08/20244 pages · PDF
Share buyback

capital return purchase own shares

27/08/20244 pages · PDF
Share buyback

capital return purchase own shares

27/08/20244 pages · PDF
Share buyback

capital return purchase own shares

27/08/20244 pages · PDF
RESOLUTIONS

resolution

06/08/20241 page · PDF
SH19

capital statement capital company with date currency figure

05/08/20249 pages · PDF
SH20

legacy

05/08/20242 pages · PDF
CAP-SS

legacy

05/08/20241 page · PDF
RESOLUTIONS

resolution

05/08/20242 pages · PDF
Confirmation statement

confirmation statement with updates

02/07/20244 pages · PDF
PSC05

change to a person with significant control

28/06/20242 pages · PDF
Confirmation statement

confirmation statement with updates

17/10/20236 pages · PDF
Accounts filed

accounts with accounts type unaudited abridged

18/09/20238 pages · PDF
Confirmation statement

confirmation statement with updates

20/10/20226 pages · PDF
Director details changed

change person director company with change date

23/09/20222 pages · PDF
Director details changed

change person director company with change date

23/09/20222 pages · PDF
RESOLUTIONS

resolution

07/03/20221 page · PDF
CC04

statement of companys objects

07/03/20221 page · PDF
MA

memorandum articles

23/02/202228 pages · PDF
Accounts filed

accounts with accounts type unaudited abridged

15/02/20228 pages · PDF
Shares cancelled

capital cancellation shares

07/01/20229 pages · PDF
Shares cancelled

capital cancellation shares

07/01/20229 pages · PDF
Shares cancelled

capital cancellation shares

07/01/20229 pages · PDF
Shares cancelled

capital cancellation shares

07/01/20229 pages · PDF
Confirmation statement

confirmation statement with updates

07/01/20227 pages · PDF
PSC05

change to a person with significant control

07/01/20222 pages · PDF
MR01

mortgage create with deed with charge number charge creation date

26/10/202136 pages · PDF
MA

memorandum articles

12/08/202127 pages · PDF
RESOLUTIONS

resolution

12/08/20211 page · PDF
MR01

mortgage create with deed with charge number charge creation date

21/07/202168 pages · PDF
CH03

change person secretary company with change date

15/06/20211 page · PDF
CH03

change person secretary company with change date

15/06/20211 page · PDF
Director details changed

change person director company with change date

14/06/20212 pages · PDF
Shares allotted

capital allotment shares

14/06/20215 pages · PDF
Shares cancelled

capital cancellation shares

02/06/20219 pages · PDF
Share buyback

capital return purchase own shares

02/06/20213 pages · PDF
Shares cancelled

capital cancellation shares

20/05/20219 pages · PDF
Share buyback

capital return purchase own shares

20/05/20213 pages · PDF
MR04

mortgage satisfy charge full

04/05/20211 page · PDF
Shares allotted

capital allotment shares

15/04/20215 pages · PDF
Shares cancelled

capital cancellation shares

22/03/20219 pages · PDF
Share buyback

capital return purchase own shares

22/03/20213 pages · PDF
Shares cancelled

capital cancellation shares

26/02/20219 pages · PDF
MR05

mortgage charge whole release with charge number

24/02/20211 page · PDF
Share buyback

capital return purchase own shares

19/02/20213 pages · PDF
Accounts filed

accounts with accounts type micro entity

09/02/20214 pages · PDF
SH02

capital alter shares subdivision

29/01/20219 pages · PDF
MA

memorandum articles

29/01/202143 pages · PDF
RESOLUTIONS

resolution

29/01/20211 page · PDF
Director appointed

appoint person director company with name date

18/11/20202 pages · PDF
Confirmation statement

confirmation statement with updates

16/11/20206 pages · PDF
Address changed

change registered office address company with date old address new address

15/09/20201 page · PDF
MR01

mortgage create with deed with charge number charge creation date

01/06/202029 pages · PDF
Accounts filed

accounts with accounts type micro entity

04/03/20204 pages · PDF
Confirmation statement

confirmation statement with updates

23/10/20193 pages · PDF
Accounts filed

accounts with accounts type micro entity

19/09/20194 pages · PDF
AP03

appoint person secretary company with name date

20/05/20192 pages · PDF
Director resigned

termination director company with name termination date

13/02/20191 page · PDF
Director appointed

appoint person director company with name date

11/12/20182 pages · PDF
Confirmation statement

confirmation statement with updates

09/11/20184 pages · PDF
Shares allotted

capital allotment shares

09/11/20184 pages · PDF
Address changed

change registered office address company with date old address new address

06/11/20181 page · PDF
Shares allotted

capital allotment shares

25/10/20183 pages · PDF
SH08

capital name of class of shares

18/09/20182 pages · PDF
PSC02

notification of a person with significant control

17/09/20182 pages · PDF
PSC07

cessation of a person with significant control

17/09/20181 page · PDF
PSC07

cessation of a person with significant control

17/09/20181 page · PDF
RESOLUTIONS

resolution

17/09/201846 pages · PDF
Accounts date changed

change account reference date company current extended

05/09/20181 page · PDF
Address changed

change registered office address company with date old address new address

05/09/20181 page · PDF
Director appointed

appoint person director company with name date

05/09/20182 pages · PDF
Director resigned

termination director company with name termination date

05/09/20181 page · PDF
Director resigned

termination director company with name termination date

05/09/20181 page · PDF
Director resigned

termination director company with name termination date

05/09/20181 page · PDF
Shares allotted

capital allotment shares

30/08/20188 pages · PDF
Shares cancelled

capital cancellation shares

28/08/20186 pages · PDF
Share buyback

capital return purchase own shares

28/08/20183 pages · PDF
RESOLUTIONS

resolution

14/08/20181 page · PDF
RESOLUTIONS

resolution

14/08/20181 page · PDF
SH10

capital variation of rights attached to shares

14/08/20182 pages · PDF
Accounts filed

accounts with accounts type micro entity

13/02/20182 pages · PDF
Confirmation statement

confirmation statement with updates

16/11/20175 pages · PDF
Director appointed

appoint person director company with name date

20/02/20172 pages · PDF
Accounts filed

accounts with accounts type total exemption small

11/01/20173 pages · PDF
Confirmation statement

confirmation statement with updates

31/10/20167 pages · PDF
Accounts filed

accounts with accounts type total exemption small

12/07/20168 pages · PDF