Company Overview
Perspective (Wealth Experts) Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Tuesday 29 August 2006, so this is a well established company. Perspective (Wealth Experts) Limited has been in business for 19 years and 7 months. The accounts status is total exemption full and the accounts are next due on Wednesday 30 September 2026.
Registered Address

Lancaster House Ackhurst Business Park, Foxhole Road, Chorley, PR7 1NY
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Companies House Data
Company NamePERSPECTIVE (WEALTH EXPERTS) LIMITED
Company Number05918247
Registered Office AddressLancaster House Ackhurst Business Park
 Foxhole Road
 PR7 1NY
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date29/08/2006
Accounting Reference Date Day31
Accounting Reference Date Month12
Accounts Next Due Date30/09/2026
Accounts Last Made Up Date31/12/2024
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date26/09/2016
Returns Last Made Up Date29/08/2015
Previous Company NameChanged Date
DJH WEALTH MANAGEMENT LIMITED02 Nov 2021
DJH FINANCIAL SOLUTIONS LIMITED03 Aug 2011
Directors & Members
Show Resigned
Paul Darley - Director
(British, 49 years old, born May 1977)
Appointed 01 November 2021
 Active
David Hesketh - Director
(British, 45 years old, born May 1981)
Appointed 16 December 2025
 Active
Terry Hewes - Director
(British, 40 years old, born September 1986)
Appointed 08 November 2019
 Active
Ian Wilkinson - Director
(British, 56 years old, born November 1970)
Appointed 16 December 2025
 Active
Secretaries
Show Resigned
David Hesketh - Secretary
Appointed 16 December 2025
 Active
Other Company Directorships
Paul Darley
DJH BUSINESS ADVISERS LIMITED
DJH WEALTH MANAGEMENT LIMITED
HIGHPOINT (STOKE ON TRENT) LIMITED
LYON GRIFFITHS (FINANCIAL SERVICES) LIMITED
MITTEN CLARKE FESTIVAL PARK LLP
MITTEN CLARKE WEALTH MANAGEMENT LLP
PWDZJD LIMITED
WEALTH EXPERTS (HIGHPOINT) LIMITED
WEALTH EXPERTS GROUP LIMITED
WEALTH EXPERTS HOLDINGS LIMITED
David Hesketh
No companies found
Terry Hewes
LYON GRIFFITHS (FINANCIAL SERVICES) LIMITED
WEALTH EXPERTS GROUP LIMITED
Ian Wilkinson
No companies found
Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Balance Sheet
Fixed Assets 3,373 3,373 3,451
Current Assets 456,442 456,442 217,212
Creditors Due Within One Year 202,054 202,054 114,807
Working Cap 254,388 254,388 102,405
Total Assets Less Current Liabilities 257,761 257,761 105,856
Long-term Liabilities 247,761 247,761 95,856
Net Assets 10,000 10,000 10,000
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 10,000 10,000 10,000
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Tangible Fixed Assets - - -
Fixed Assets 0.7% 0.7% 1.6%
Stocks Inventory - - -
Debtors 3.2% 3.2% 13.1%
Cash Bank In Hand 96.1% 96.1% 85.3%
Current Assets 99.3% 99.3% 98.4%
Creditors Due Within One Year 43.9% 43.9% 52.0%
Net Current Assets Liabilities 55.3% 55.3% 46.4%
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 2.2% 2.2% 4.5%
Capital Employed - - -
Total Assets Less Current Liabilities 56.1% 56.1% 48.0%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Liquidity Ratio 2.3 2.3 1.9
Solvency Ratio 1.0 1.0 1.0
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-Dec-2024 31-Dec-2022 31-Dec-2021
Assets 459,815 459,815 220,663
Debt 449,815 449,815 210,663
Net Assets/Debt 10,000 10,000 10,000

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.

The company balance sheet displays a comfortable surplus of working capital. We would normally view this positively. Total reserves including retained profitability and movement in reserves has some deficiency. The balance sheet presents modest net assets. For the size of the company as inferred by the balance sheet the amount of net assets represents a relatively small margin of cover over total debts and obligations.

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.The company balance sheet displays a comfortable surplus of working capital. We would normally view this positively. Total reserves including retained profitability and movement in reserves has some deficiency. The balance sheet presents modest net assets. For the size of the company as inferred by the balance sheet the amount of net assets represents a relatively small margin of cover over total debts and obligations.   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.The company balance sheet displays a comfortable surplus of working capital. We would normally view this positively. Total reserves including retained profitability and movement in reserves has some deficiency. The balance sheet presents modest net assets. For the size of the company as inferred by the balance sheet the amount of net assets represents a relatively small margin of cover over total debts and obligations.

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
Appointment of Ian Mitcheal Wilkinson as a director on 16 December 2025
Appointment of David John Philip Hesketh as a director on 16 December 2025
Appointment of David John Philip Hesketh as a secretary on 16 December 2025
Registered office address changed from Lake View Festival Way Festival Park Stoke on Trent ST1 5BJ United Kingdom to Lancaster House Ackhurst Business Park Foxhole Road Chorley PR7 1NY on 18 December 2025
Certificate of change of name
Confirmation statement made on 15 November 2025 with no updates
Confirmation statement made on 15 November 2024 with updates
Registered office address changed from Highpoint Festival Way Stoke-on-Trent ST1 5SH England to Lake View Festival Way Festival Park Stoke on Trent ST1 5BJ on 5 April 2024
Termination of appointment of Richard Eric Johnston as a director on 1 March 2024
Confirmation statement made on 15 November 2023 with updates
Change of share class name or designation
Resolutions
Confirmation statement made on 15 November 2022 with updates
Notification of Wealth Experts Group Limited as a person with significant control on 24 October 2022
Cessation of Wealth Experts Holdings Limited as a person with significant control on 24 October 2022
Confirmation statement made on 29 August 2022 with updates
Change of details for Wealth Experts Limited as a person with significant control on 2 November 2021
Director's details changed for Mr Richard Eric Johnston on 1 August 2022
Termination of appointment of Paul David Hulme as a director on 18 May 2022
Registered office address changed from Porthill Lodge High Street Wolstanton Newcastle Staffordshire ST5 0EZ to Highpoint Festival Way Stoke-on-Trent ST1 5SH on 2 December 2021
Appointment of Mr Paul William Darley as a director on 1 November 2021
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