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Aspirations Financial Advice Ltd

08252963

active
Private Limited Company
england wales
Companies House
Health Score
67 / 100

Some Concerns

25/30
Filing
10/30
Financial
32/40
Risk
  • No accounts filed in last 18 months (-5)
  • 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

Last accounts

31/12/2024

unaudited abridged

Next accounts due

30/09/2026

On track

Confirmation statement

Last: 28/06/2025

Due 12/07/2026

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 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 201+ 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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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

Derived from filed accounts. Not audited figures.