Company Overview
Perspective Financial Group Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Tuesday 18 December 2007, so this is a well established company. Perspective Financial Group Limited has been in business for 18 years and 3 months. The accounts status is group 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 FINANCIAL GROUP LIMITED
Company Number06455775
Registered Office AddressLancaster House, Ackhurst Business Park
 Foxhole Road
 PR7 1NY
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date18/12/2007
Accounting Reference Date Day31
Accounting Reference Date Month12
Accounts Next Due Date30/09/2026
Accounts Last Made Up Date31/12/2024
Accounts Account CategoryGROUP
Returns Next Due Date15/01/2017
Returns Last Made Up Date18/12/2015
Directors & Members
Show Resigned
Julie Hepworth - Director
(British, 52 years old, born March 1974)
Appointed 19 December 2013
 Active
David Hesketh - Director
(British, 45 years old, born May 1981)
Appointed 19 December 2013
 Active
Sam Ward - Director
(British, 40 years old, born May 1986)
Appointed 31 August 2024
 Active
Ian Wilkinson - Director
(British, 56 years old, born November 1970)
Appointed 19 December 2013
 Active
Secretaries
Show Resigned
David Hesketh - Secretary
Appointed 19 December 2013
 Active
Other Company Directorships
Julie Hepworth
ACCORD FINANCIAL MANAGEMENT LIMITED
AIREDALE PFS LIMITED
AVON FINANCIAL ADVISERS LIMITED
AYP FINANCIAL PLANNING LIMITED
BEANLAND FINANCIAL SERVICES LIMITED
BSQFA LIMITED
CAMBRIDGE INVESTMENTS LIMITED
CHILTERN CONSULTANCY LIMITED
CLARENDON FINANCIAL PLANNING LIMITED
COPTHORNE FINANCIAL SERVICES LTD
FORTITUDE FINANCIAL PLANNING LIMITED
GOLDWYNS WEALTH MANAGEMENT LIMITED
GRANITE COAST LTD
HAWLEY & WOOD LIMITED
LEA GARDENS MANAGEMENT COMPANY LIMITED
LLOYD O'SULLIVAN FINANCIAL SERVICES LIMITED
MARLBOROUGH PLACE LTD
MILLFIELD OSCEOLA FINANCIAL CONSULTANCY LIMITED
P.W. WHITE AND PARTNERS LIMITED
PARK LANE INDEPENDENT FINANCIAL ADVISERS LIMITED
PERSPECTIVE (CENTRAL & EAST) LIMITED
PERSPECTIVE (GOULD FINANCIAL PLANNING) LIMITED
PERSPECTIVE (MIDLANDS & CHESHIRE) LIMITED
PERSPECTIVE (PROSSER KNOWLES) LIMITED
PERSPECTIVE (SPRINGFIELD) LIMITED
PRIMERA WEALTH MANAGEMENT LIMITED
PROLIFIC FINANCIAL SERVICES LIMITED
PROSPERITY (GB) LIMITED
PROSPERITY (HOLDINGS) LIMITED
RAMSEY FINANCIAL (CAMBS) LIMITED
ST LAWRENCE INVESTMENT & PENSION SOLUTIONS LIMITED
STRATEGIC FINANCIAL PORTFOLIOS LIMITED
VISTA PLATFORM SERVICES LTD
WARWICK FINANCIAL SOLUTIONS LIMITED
WHITTINGTON GODDARD ASSOCIATES LTD
David Hesketh
ABBEY MEADS FINANCIAL LTD
CAMBRIDGE INVESTMENTS LIMITED
CHARLES REYNOLDS & ASSOCIATES (INDEPENDENT FINANCIAL ADVISERS) LIMITED
CHARLES REYNOLDS & ASSOCIATES LIMITED
CORLEA LIMITED
FINANCIAL CONNECTION WEALTH MANAGEMENT LIMITED
FUTURE LIFESTYLE LIMITED
HEALTHTRUST MANAGEMENT SERVICES LIMITED
MCGREGORS WEALTH MANAGEMENT LIMITED
MULTIPLEX FINANCIAL TRUSTEES LIMITED
MULTIPLEX PENSION TRUSTEES LIMITED
PERSPECTIVE (AVON) LIMITED
PERSPECTIVE (EAST ANGLIA) LIMITED
PERSPECTIVE (HOME COUNTIES) LIMITED
PERSPECTIVE (MIDLANDS & CHESHIRE) LIMITED
PERSPECTIVE (OXON) LIMITED
PERSPECTIVE (SOUTH WEST) LIMITED
PFM GROUP LIMITED
PLATINUM PORTFOLIOS LIMITED
PROFESSIONAL INVESTMENT MANAGEMENT SERVICES (MAIDSTONE) LIMITED
SHIREBROOK WEALTH MANAGEMENT LIMITED
VISTA PLATFORM SERVICES LTD
VIVIENNE SHEPHERD LIMITED
WALTER WRIGHT FINANCIAL SERVICES LIMITED
WARNES ANDERTON LIMITED
WINGHAM WYATT FINANCIAL ADVISERS LIMITED
WINGHAM WYATT GROUP LTD
Sam Ward
PFM GROUP LIMITED
Ian Wilkinson
ACCORD FINANCIAL MANAGEMENT LIMITED
BOOT OUT BREAST CANCER
CHAPTER WEALTH MANAGEMENT LTD
CHARLES REYNOLDS & ASSOCIATES (INDEPENDENT FINANCIAL ADVISERS) LIMITED
CONSTELLATION FINANCIAL SOLUTIONS LIMITED
COPTHORNE FINANCIAL SERVICES LTD
CORLEA LIMITED
EDGMOOR LIMITED
FORTITUDE FINANCIAL PLANNING LIMITED
GALLOWAY WHITFIELD (LIFE & PENSIONS) LIMITED
HAWLEY & WOOD LIMITED
HEALTHTRUST MANAGEMENT SERVICES LIMITED
MAT WHITE FINANCIAL SERVICES LIMITED
MCGECHIE LTD
P & S PARTNERSHIP LTD
PARK LANE INDEPENDENT FINANCIAL ADVISERS LIMITED
PERSPECTIVE (NORTH EAST) LIMITED
PERSPECTIVE (NORTH WEST) LIMITED
PERSPECTIVE (NORTH) LIMITED
PERSPECTIVE (OXON) LIMITED
PERSPECTIVE (SOUTH EAST) LIMITED
PERSPECTIVE (THORNTON SPRINGER) LIMITED
PERSPECTIVE (WEST) LIMITED
PFM GROUP LIMITED
PRE ACQUISITION STRATEGIES LTD
PRIMERA WEALTH MANAGEMENT LIMITED
PROFESSIONAL PARTNERSHIPS (NORTH EAST) LIMITED
PROSPERITY (GB) LIMITED
PROSPERITY (HOLDINGS) LIMITED
SHIREBROOK WEALTH MANAGEMENT LIMITED
TONY FENTON & SONS WEALTH MANAGEMENT LIMITED
WARNES ANDERTON LIMITED
WATSON BUCKLE WEALTH MANAGEMENT LIMITED
WHITTINGTON GODDARD ASSOCIATES LTD
Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2018 31-Dec-2017
Balance Sheet
Fixed Assets 37,607,063 37,607,063 38,871,078
Current Assets 2,889,529 2,889,529 1,391,366
Creditors Due Within One Year 38,701,276 38,701,276 44,465,316
Working Cap -35,811,747 -35,811,747 -43,073,950
Total Assets Less Current Liabilities 1,795,316 1,795,316 -4,202,872
Long-term Liabilities 14,148,400 14,148,400 5,350,539
Net Assets -12,353,084 -12,353,084 -9,553,411
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds -12,353,084 -12,353,084 -9,553,411
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2018 31-Dec-2017
Tangible Fixed Assets - - -
Fixed Assets 92.9% 92.9% 96.5%
Stocks Inventory - - -
Debtors 1.0% 1.0% 0.9%
Cash Bank In Hand 5.4% 5.4% 2.6%
Current Assets 7.1% 7.1% 3.5%
Creditors Due Within One Year 95.6% 95.6% 110.4%
Net Current Assets Liabilities -88.4% -88.4% -107.0%
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 -30.5% -30.5% -23.7%
Capital Employed - - -
Total Assets Less Current Liabilities 4.4% 4.4% -10.4%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2018 31-Dec-2017
Liquidity Ratio 0.1 0.1 0.0
Solvency Ratio 0.8 0.8 0.8
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 35
Mortgages Outstanding 3
Mortgages Part Satisfied 0
Mortgages Satisfied 32
Assets and Debt Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2018 31-Dec-2017
Assets 40,496,592 40,496,592 40,262,444
Debt 52,849,676 52,849,676 49,815,855
Net Assets/Debt -12,353,084 -12,353,084 -9,553,411

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 has some deficiency. The balance sheet net assets figure is negative.

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 has some deficiency. The balance sheet net assets figure is negative.   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 has some deficiency. The balance sheet net assets figure is negative.

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
Confirmation statement made on 14 November 2025 with no updates
Amended group of companies' accounts made up to 31 December 2024
Registration of charge 064557750035, created on 4 June 2025
Director's details changed for Mr Sam Philip Ward on 1 January 2025
Confirmation statement made on 7 December 2024 with no updates
Registration of charge 064557750034, created on 27 September 2024
Satisfaction of charge 064557750032 in full
Satisfaction of charge 064557750031 in full
Registration of charge 064557750033, created on 30 August 2024
Appointment of Mr Sam Philip Ward as a director on 31 August 2024
Satisfaction of charge 064557750028 in full
Satisfaction of charge 1 in full
Satisfaction of charge 18 in full
Notification of a person with significant control statement
Cessation of Cbpe Capital Llp as a person with significant control on 8 May 2024
Cessation of Cbpe Capital Ix Gp Llp as a person with significant control on 8 May 2024
Confirmation statement made on 7 December 2023 with no updates
Director's details changed for Mr David John Philip Hesketh on 7 January 2017
Confirmation statement made on 7 December 2022 with no updates
Confirmation statement made on 7 December 2021 with no updates
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