Company Overview
Prism Financial Advice Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Friday 03 December 2004, so this is a well established company. Prism Financial Advice Limited has been in business for 21 years and 3 months. The accounts status is total exemption full and the accounts are next due on Wednesday 31 December 2025.
Registered Address

Prism House 13 Keel Row, The Watermark, Gateshead, Tyne And Wear, NE11 9SZ
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Companies House Data
Company NamePRISM FINANCIAL ADVICE LIMITED
Company Number05303532
Registered Office AddressPrism House 13 Keel Row
 The Watermark
 NE11 9SZ
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date03/12/2004
Accounting Reference Date Day31
Accounting Reference Date Month3
Accounts Next Due Date31/12/2026
Accounts Last Made Up Date31/03/2025
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date31/12/2016
Returns Last Made Up Date03/12/2015
Directors & Members
Show Resigned
Andrew Fearon - Director
(British, 57 years old, born November 1969)
Appointed 15 March 2024
 Active
Damian Sharp - Director
(British, 58 years old, born February 1968)
Appointed 12 February 2025
 Active
Mark Wilson - Director
(British, 51 years old, born May 1975)
Appointed 21 October 2025
 Active
Secretaries
Show Resigned
Other Company Directorships
Andrew Fearon
ALTERNATIVE VENTURES LIMITED
BROOMS INVESTMENTS LIMITED
CARDALE FINANCIAL PLANNING LIMITED
CARDALE NOMINEES LIMITED
CASHBOX PUBLIC LIMITED COMPANY
HF PARTNERSHIP LLP
HYPERION EQUITY PARTNERS HOLDINGS I LIMITED
HYPERION EQUITY PARTNERS LIMITED
IF PARTNERS LLP
INTERACTIVE INVESTMENTS MEMBER LTD
INTERACTIVE MEDIA INVESTOR LLP
INTERACTIVE MEDIA INVESTOR MEMBER LIMITED
LANGLEY CAPITAL LLP
LEBC HUMMINGBIRD LIMITED
LOVEDAY & PARTNERS LIMITED
POSTINGFAST LIMITED
THEIA BIDCO (JERSEY) LIMITED
THEIA HOLDCO (JERSEY) LIMITED
THEIA MIDCO (JERSEY) LIMITED
THEIA TOPCO (JERSEY) LIMITED
TITAN ADVISORY HOLDINGS LIMITED
TITAN PRIVATE WEALTH LIMITED
TITAN WEALTH HOLDINGS LIMITED
TITAN WEALTH INTERMEDIATE LIMITED
TITAN WEALTH INVESTMENTS LIMITED
TITAN WEALTH PLANNING LTD
TITAN WEALTH SERVICES LIMITED
WELBECK CAPITAL INVESTMENTS LIMITED
WELBECK CAPITAL PARTNERS LLP
WELBECK CAPITAL PARTNERSHIP LIMITED
WELBECK INVESTMENT PARTNERS LLP
WELBECK INVESTMENT PARTNERS MEMBER LIMITED
WELBECK INVESTMENT PARTNERSHIP LIMITED
WELBECK VENTURES LTD
Damian Sharp
COGENT CONSULTANCY SERVICES LTD
COGENT ENTERPRISES LTD
DPS (TEMP) LTD
FS 2020 LIMITED
GLOBAL PRIME PARTNERS NOMINEES LTD
PRIMARY CARE MEDIA LTD
TELFORD MANN GROUP LIMITED
TELFORD MANN INVESTMENT MANAGEMENT LIMITED
THEIA TOPCO (JERSEY) LIMITED
TITAN ADVISORY HOLDINGS LIMITED
TITAN ALTERNATIVES LIMITED
TITAN ASSET MANAGEMENT LTD
TITAN FINANCIAL PLANNING LIMITED
TITAN PENSIONS & INVESTMENTS LIMITED
TITAN SETTLEMENT & CUSTODY LTD
TITAN WEALTH HOLDINGS LIMITED
TITAN WEALTH PLANNING LTD
WIGMORE ASSOCIATES WEALTH MANAGEMENT LTD
Mark Wilson
TITAN ADVISORY HOLDINGS LIMITED
TITAN PENSIONS & INVESTMENTS LIMITED
TITAN WEALTH PLANNING LTD
Balance Sheet Unlock full report
Accounts Date 31-Mar-2025 31-Dec-2022 31-Dec-2021
Balance Sheet
Fixed Assets 454,401 454,401 478,291
Current Assets 427,272 427,272 396,194
Creditors Due Within One Year 591,807 591,807 680,088
Working Cap -164,535 -164,535 -283,894
Total Assets Less Current Liabilities 289,866 289,866 194,397
Long-term Liabilities 45,767 45,767 36,669
Net Assets 244,099 244,099 157,728
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 244,099 244,099 157,728
Common Size Financial Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Dec-2022 31-Dec-2021
Tangible Fixed Assets - - -
Fixed Assets 51.5% 51.5% 54.7%
Stocks Inventory - - -
Debtors 18.7% 18.7% 30.4%
Cash Bank In Hand 29.8% 29.8% 14.9%
Current Assets 48.5% 48.5% 45.3%
Creditors Due Within One Year 67.1% 67.1% 77.8%
Net Current Assets Liabilities -18.7% -18.7% -32.5%
Creditors Due After One Year - - -
Accruals Deferred Income - - -
Provisions For Liabilities Charges - - -
Net Assets Liabilities Including Pension Asset Liability - - -
Called Up Share Capital - - -
Share Capital Allotted Called Up Paid - - -
Profit Loss Account Reserve - - -
Shareholder Funds 27.7% 27.7% 18.0%
Capital Employed - - -
Total Assets Less Current Liabilities 32.9% 32.9% 22.2%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Dec-2022 31-Dec-2021
Liquidity Ratio 0.7 0.7 0.6
Solvency Ratio 1.4 1.4 1.2
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 0
Mortgages Outstanding 0
Mortgages Part Satisfied 0
Mortgages Satisfied 0
Assets and Debt Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Dec-2022 31-Dec-2021
Assets 881,673 881,673 874,485
Debt 637,574 637,574 716,757
Net Assets/Debt 244,099 244,099 157,728

The following is based on the accounts data presented in this report sourced from Companies House, however the company has filed later accounts. Our analysis of the latest account can be viewed by unlocking our full report.

Current debt exceeded short term liquid assets as at the balance sheet date. We would normally view this in the context of other profitability and solvency indicators. Total reserves including retained profitability and movement in reserves appeared positive. We would normally view a company positively for this. The amount of net assets suggests sufficient cover for total debts and obligations for the size of the company inferred by the balance sheet.

Unlock full report  The following is based on the accounts data presented in this report sourced from Companies House, however the company has filed later accounts. Our analysis of the latest account can be viewed by unlocking our full report.Current debt exceeded short term liquid assets as at the balance sheet date. We would normally view this in the context of other profitability and solvency indicators. Total reserves including retained profitability and movement in reserves appeared positive. We would normally view a company positively for this. The amount of net assets suggests sufficient cover for total debts and obligations for the size of the company inferred by the balance sheet.   The following is based on the accounts data presented in this report sourced from Companies House, however the company has filed later accounts. Our analysis of the latest account can be viewed by unlocking our full report.Current debt exceeded short term liquid assets as at the balance sheet date. We would normally view this in the context of other profitability and solvency indicators. Total reserves including retained profitability and movement in reserves appeared positive. We would normally view a company positively for this. The amount of net assets suggests sufficient cover for total debts and obligations for the size of the company inferred by the balance sheet.

This review of public record balance sheet and company status information is presented under the terms of Open Government Licence and is for informational purposes only, is general in nature, and is not intended as an opinion or advice for any specific circumstances. The commentary and the colour band score is not a credit rating or credit risk assessment.

This review does not constitute a full credit rating or credit risk assessment based on the full analysis and credit score algorithms used in our credit reports. A full credit report may also provide information relating to trade payment history and county court or court judgments if any.

Public Record Information Unlock full report
Exact Court Judgements
Period of Months Last 12m 13-24m 25-36m 37-48m 49-60m 61-72m
Number of Exact CCJS X Y Y X X Y
Value of Exact CCJS YXY YK S S X KX
Supplier Credit Limits Unlock full report
Date Sector Notified Amount Terms
XK-SXY XKXYXK SXSKXYXK £X,000 XS XYSKS
SK-SYY SKXYXKYKKY KSXX KKXXYXS £YY,000 YS XYSKS SK YXXSXS
YK-SXY XKXYXYYK SXSXYXK £SX,000 XS XYSKS
Payment Records Unlock full report
Payment Records from it's suppliers' company ledger show how a company is paying its suppliers

Payment Analysis

Total Invoices Paid Before
30 days due		 Paid After
30 days due		 Owing Before
30 days due		 Owing after
30 days due
XYX SX K YX X
Company Valuation Analysis Unlock full report

Going Concern Valuation

The going concern valuations value the company on the basis that it continues to trade without the threat of liquidation for the foreseeable future. These valuations are primarily profit and cashflow based.

Valuations Valuation Measures
Estimated High Value £XSI,000 Retained Profit £YX,000
Estimated Mid Value £YY,000 EBIT £SY,000
Estimated Low Value £X,000 EBITDA £SSX,000

Liquidation Valuation

The liquidaton valuation values the company as if it were to cease trading and assets were subject to rapid disposal to cover liabilities. This valuation is primarily asset based.

Valuations Valuation Measures
Estimated High Value £XY,000 Total Assets £XIX,000
Estimated Mid Value £Y,000 Net Assets £YX,000
Estimated Low Value £S,000 Tangible Equity £SX,000

The above valuations are based on our own algorithms and take no account of many factors that can influence actual valuations realized and should not therefore be assumed to be accurate.
Credit Status Checklist Unlock full report
Business Growth Please purchase a report to see true comments
EBITDA Purchase a report to see true comments
Dividends Please purchase a report to see true comments about this company
Retained Profits Retained Profits for this company
Debt Interest Debt Interest for this company
Cash Flow Cash Flow for this company
CCJs CCJs for this company
Age of Company Age of Company for this company
Solvency Solvency for this company
Secured Creditors Secured Creditors for this company
Ownership Ownership for this company


First Report Score: (0-10) X
Financial Status Guide:
10 Very Strong
9 Strong
8 Very Good
7 Good
6 Above Average
5 Average
4 Below Average
3 Poor
2 Weak
1 Very Weak
0 Critical

Risk Score Trend

Risk Rating Unlock full report

This is the credit risk assessment used by one of the top UK credit reference agencies.

Risk Score (1-100) X
Risk Band Description XXMXMXMX SISX
Risk Assessment Meeting of Creditors
Credit Rating XSKX
Altman Z Score Credit Risk Rating Unlock full report

There have been many bankruptcy predictors developed, however none has been so thoroughly tested and broadly accepted as the Altman Z-Score.

Z Score X
Risk Band XY
Risk Band Description The Z Score is not used for small companies where full accounts are not filed because profit and loss account items are required to calculate the score.

Z Score Bands

1 Low Risk 3.00 and above
2 Caution 2.63 - 2.99
3 Risk of Failure within 2 years 1.24 - 2.62
4 High Probability Failure Below 1.24
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Document Filings
Termination of appointment of Iain Alexander Hamilton as a secretary on 10 February 2026
Consolidated accounts of parent company for subsidiary company period ending 31/03/25
Audit exemption statement of guarantee by parent company for period ending 31/03/25
Notice of agreement to exemption from audit of accounts for period ending 31/03/25
Termination of appointment of Stephen Thomas Price as a secretary on 31 October 2025
Termination of appointment of Stephen Thomas Price as a director on 31 October 2025
Termination of appointment of Neil Mcgann as a director on 31 October 2025
Termination of appointment of Michael Smith as a director on 31 October 2025
Appointment of Mark Ronald Archibald Wilson as a director on 21 October 2025
Confirmation statement made on 1 August 2025 with no updates
Resolutions
Memorandum and Articles of Association
Appointment of Mr Damian Paul Sharp as a director on 12 February 2025
Termination of appointment of Derek George Miles as a director on 11 February 2025
Appointment of Iain Alexander Hamilton as a secretary on 6 November 2024
Confirmation statement made on 1 August 2024 with updates
Notification of Titan Advisory Holdings Limited as a person with significant control on 28 March 2024
Withdrawal of a person with significant control statement on 17 July 2024
Director's details changed for Mr Andrew Jason Fearon on 22 May 2024
Director's details changed for Mr Michael Smith on 21 May 2024
Director's details changed for Mr Stephen Thomas Price on 21 May 2024
Director's details changed for Mr Neil Mcgann on 21 May 2024
Director's details changed for Mr Neil Mcgann on 21 May 2024
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