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Sterling Financial Advice Ltd

14105344

active
ltd
england wales
Companies House
Health Score
80 / 100

Healthy

30/30
Filing
10/30
Financial
40/40
Risk

No risk factors detected.

Details

Unit 33 Lowton Business Park, Newton Road, Lowton, WA3 2AP
Incorporated 13/05/2022

Previously known as

Sterling Fa Limited · until 04/01/2023

Compliance

Last accounts

31/07/2025

total exemption full

Next accounts due

30/04/2027

On track

Confirmation statement

Last: 11/11/2025

Due 25/11/2026

On track

Industry

64999
Other financial service activities

Officers

John Paul Lowe

director · Since 13/05/2022

British · United Kingdom · Age 57

Former

Darren James Smith

director · Resigned 31/10/2022

Persons with Significant Control

Mr John Paul Lowe

50–75% shares
25–50% votes

British · United Kingdom · Age 57

Sterling House, 2-6 Market Place, Atherton, M46 0GG

Notified 13/05/2022

Mrs Ann Lowe

25–50% shares

British · England · Age 59

Unit 33, Lowton Business Park, Lowton, WA3 2AP

Notified 31/10/2022

Former PSCs

Mr Darren James Smith

Ceased 31/10/2022

Change History

statusactive
2026-06-06

Active

typeltd
2026-06-06

Private Limited Company

address line1Unit 33 Lowton Business Park
2026-06-06

STERLING HOUSE

post townLowton
2026-06-06

ATHERTON

postcodeWA3 2AP
2026-06-06

M46 0GG

officer appointedLOWE, John Paul
2026-06-06

CompanyRankvs 10301+ SIC 64999 peers
56

Financial strength91th percentile among SIC peers · 23/25
Employees96th percentile among SIC peers · 14/15
LiquidityNo balance sheet data · 0/20
Longevity4 years trading (max 15) · 4/15
Filing complianceAll filings up to date · 15/15
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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.

Employees14/15 pts

Workforce size relative to sector peers from the most recent accounts. A larger team generally signals commercial scale.

Liquidity0/20 pts

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

Longevity4/15 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.

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

Key FinancialsYear ending 31/07/2025

Net Worth

£481k

Balance sheet strength

Cash

£24k

Cash in the bank

Net Current Assets

Working capital

Current Assets

Current Liabilities

£124k

Fixed Assets

£36k

Debtors

£4k

10avg. employees

Balance Sheet

Intangible assets£0
Prepared with Silverfin

EstimatesDerived

YearCurrent RatioImplied Profit
2025+£0
2025-£1k
20240.47

Derived from filed accounts. Not audited figures.