PERSPECTIVE FINANCIAL GROUP LIMITED
🌳Matureactive
06455775 · ltd · incorporated 2007-12-18
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
72/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and acceptable with review structure.
Opportunity 72/100 (strong), bankability 57/100. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 9 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (50/100).
🏦
Refinance opportunity
36 live charges · 9 lenders · oldest 18.3y
25/100
too messy
Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.
- · Oldest live charge is 18.3 years old — likely at or near maturity.
- · 9 lenders named — inter-creditor friction likely.
- · Legal-friction score 45/100 (high).
Data confidence
Overall: medium (61/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Company profile
address, 1 SIC codes, incorporation date
100
Financials
No iXBRL financials extracted
0
Lenders & charges
36 charges (36/36 with lender, 36/36 with type)
90
Directors & officers
16 officers (5 active, 16 linked, 12 with DOB)
85
Ownership & PSC
0 active PSC(s) of 3 total, 3 with control declared
90
Director network
38 connected companies via shared directors
90
Filing history
228 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
72/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
50
Some acquirability indicators.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
9
filings
- • 5 capital
- • 2 resolution
- • 1 incorporation
Last 180 days
9
filings
- • 5 capital
- • 2 resolution
- • 1 incorporation
Counts from Companies House filing history.
Corporate timeline (119 events)Click to expand
- 2026-06-19📄capital-variation-of-rights-attached-to-sharescapital · SH10
- 2026-06-19📄capital-name-of-class-of-sharescapital · SH08
- 2026-06-19📄capital-alter-shares-subdivisioncapital · SH02
- 2026-06-19📄resolutionresolution · RESOLUTIONS
- 2026-06-19📄memorandum-articlesincorporation · MA
- 2026-06-19📄resolutionresolution · RESOLUTIONS
- 2026-06-12📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-06-10🔒Charge registered #36Lender: Ares Management Limited as Security Agent
- 2026-06-09📄capital-allotment-sharescapital · SH01
- 2026-06-08📄capital-allotment-sharescapital · SH01
- 2025-10-04📄accounts-amended-with-accounts-type-groupaccounts · AAMD
- 2025-09-05📄accounts-with-accounts-type-groupaccounts · AA
- 2025-06-09📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-06-04🔒Charge registered #35Lender: Ares Management Limited as Security Agent
- 2025-03-05📄change-person-director-company-with-change-dateofficers · CH01
- 2024-10-07📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-09-27🔒Charge registered #34Lender: Lloyds Bank PLC
- 2024-09-16📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-09-16📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-09-16📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-09-16🔓Charge satisfied #32
- 2024-09-16🔓Charge satisfied #31
- 2024-09-04📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-09-04📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-09-04📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-09-04📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-09-04🔓Charge satisfied #28
- 2024-09-04🔓Charge satisfied #18
- 2024-09-04🔓Charge satisfied #1
- 2024-09-03📄accounts-with-accounts-type-groupaccounts · AA
- 2024-08-31➕WARD, Sam Philip appointeddirector
- 2024-08-30🔒Charge registered #33Lender: Ares Management Limited as Security Agent for Itself and the Secured Parties
- 2024-07-26📄notification-of-a-person-with-significant-control-statementpersons-with-significant-control · PSC08
- 2019-12-20➖HOGARTH, Paul Henry resigneddirector
- 2019-12-20➖NEWTON, Paul Michael resigneddirector
- 2019-12-20➖ROGAN, Michael Peter resigneddirector
- 2019-12-20➖MOSAIC PRIVATE EQUITY LIMITED resignedcorporate-director
- 2018-11-16🔒Charge registered #32Lender: National Westminster Bank PLC
- 2016-07-08🔓Charge satisfied #29
- 2016-07-08🔓Charge satisfied #27
- 2016-07-08🔓Charge satisfied #26
- 2016-07-08🔓Charge satisfied #25
- 2016-07-08🔓Charge satisfied #24
- 2016-07-08🔓Charge satisfied #23
- 2016-07-08🔓Charge satisfied #22
- 2016-07-08🔓Charge satisfied #21
- 2016-07-08🔓Charge satisfied #20
- 2016-07-08🔓Charge satisfied #19
- 2016-07-08🔓Charge satisfied #17
- 2016-07-08🔓Charge satisfied #16
Showing most recent 50 of 119 events
Owner dependency
40/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- -4 active directors: Broader management team in place — suggests transferable governance.
Succession & seller-readiness
43/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondary12+ year tenure: Director in role 13 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 med ·Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
🔒Co-director network graph
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
See pricing →Similar companies
Active · Financial services · PR postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| G S FINANCIAL PLANNING LIMITED→ 08574589 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| GREY BEARD INVESTMENT LTD→ 13888404 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| HALARIC JOHN LIMITED→ 13419163 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| HOME EQUITY RELEASE SERVICE LIMITED→ 08674682 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| HOPEWELLS SIMPLY FINANCE LTD→ 06181826 · est 2007 · no financials extracted | — | — | — | — | 19y | — | — |
| INFINITE FINANCIAL SERVICES LIMITED→ 07236201 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
| INFORM FINANCE LIMITED→ 16486717 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| INGENIUM FINANCIAL ADVISERS LIMITED→ 16461121 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| INVESTING IN POLAND LTD→ 11755002 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| INVESTMENT PROPERTY MARKETING LTD→ 05006060 · est 2004 · no financials extracted | — | — | — | — | 22y | — | — |
| IRONHIDE INVESTMENTS LTD→ 16285020 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| IRVINE INVESTMENT MANAGEMENT LTD→ 09132510 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
8 specific questions generated from this company's actual signals — liquidity, leverage, director age, charge count, red flags, age-of-company.
Available from the Pro tier upwards.
See pricing →🔒Advanced scoring suite
Exit-route ranking, improvement thesis, quiet-distress detector, covenant-pressure proxy, extraction monitor, approaching triggers, ownership drift, local cluster, value trap, debt capacity, archetype classification — 48+ scoring modules.
Available from the Pro tier upwards.
See pricing →Company details
Statusactive
Typeltd
Incorporated2007-12-18
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
Lancaster House, Ackhurst Business Park
Foxhole Road
Chorley
PR7 1NY
England
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-11-28
Last: 2025-11-14
Officers (5 active · 11 resigned)
HESKETH, David John Philip→
Activesecretary · appointed 2013-12-19
View their other companies + combined net worth →
HEPWORTH, Julie Suzanne→
Activedirector · ~52y · appointed 2013-12-19
View their other companies + combined net worth →
HESKETH, David John Philip→
Activedirector · ~45y · appointed 2013-12-19
View their other companies + combined net worth →
WARD, Sam Philip→
Activedirector · ~40y · appointed 2024-08-31
View their other companies + combined net worth →
WILKINSON, Ian Mitcheal→
Activedirector · ~56y · appointed 2013-12-19
View their other companies + combined net worth →
CARR, Philip Alexander→
Resignedsecretary · appointed 2012-07-26 · resigned 2013-12-19
MORROW, Anthony Jackson→
Resignedsecretary · appointed 2007-12-18 · resigned 2012-07-26
CARR, Philip Alexander→
Resigneddirector · ~51y · appointed 2007-12-18 · resigned 2013-12-19
CRADDOCK, Peter Martin→
Resigneddirector · ~65y · appointed 2011-08-02 · resigned 2013-12-19
HOGARTH, Paul Henry→
Resigneddirector · ~67y · appointed 2007-12-18 · resigned 2019-12-20
KEELING, Damian John→
Resigneddirector · ~69y · appointed 2007-12-18 · resigned 2014-06-01
MORROW, Anthony Jackson→
Resigneddirector · ~52y · appointed 2007-12-18 · resigned 2014-03-03
NEWTON, Paul Michael→
Resigneddirector · ~62y · appointed 2010-08-02 · resigned 2019-12-20
ROGAN, Michael Peter→
Resigneddirector · ~58y · appointed 2010-08-02 · resigned 2019-12-20
SMITH, Anthony Arthur James Bannard→
Resigneddirector · ~65y · appointed 2008-04-02 · resigned 2009-06-23
MOSAIC PRIVATE EQUITY LIMITED→
Resignedcorporate-director · appointed 2008-04-02 · resigned 2019-12-20
Click a director name to see their full track record across all companies.
Mortgages & charges
36
Total charges
4
Outstanding
3
Active lenders
Status:Lender:36 of 36 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Ares Management as Security Agent Ares Management Limited as Security Agent | A registered charge | 1 property | 10/06/2026 | — | |
| outstanding | Ares Management as Security Agent Ares Management Limited as Security Agent | A registered charge | 1 property | 04/06/2025 | — | |
| outstanding | Lloyds Banking Group Lloyds Bank PLC | A registered charge | — | 27/09/2024 | — | |
| outstanding | Ares Management as Security Agent for Itself and the Secured Parties Ares Management Limited as Security Agent for Itself and the Secured Parties | A registered charge | 1 property | 30/08/2024 | — | |
| satisfied | National Westminster Bank National Westminster Bank PLC | A registered charge | 1 property | 16/11/2018 | 16/09/2024 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | A registered charge | — | 23/06/2016 | 16/09/2024 | |
| satisfied | Mosaic Private Equity (Nominees) Mosaic Private Equity (Nominees) Limited | A registered charge | — | 03/06/2014 | 09/07/2014 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 03/06/2014 | 08/07/2016 | |
| satisfied | Paul Hogarth | A registered charge | 1 property | 02/08/2013 | 04/09/2024 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Deed of admission to an omnibus guarantee and set-off agreement | 1 property | 30/04/2012 | 08/07/2016 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Deed of admission to an omnibus guarantee and set-off agreement | 1 property | 19/03/2012 | 08/07/2016 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Deed of admission to an omnibus guarantee and set-off agreement | 1 property | 20/12/2011 | 08/07/2016 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Deed of admission to an omnibus guarantee and set-off agreement | 1 property | 31/08/2011 | 08/07/2016 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Deed of admission to an omnibus guarantee and set-off agreement | 1 property | 30/06/2011 | 08/07/2016 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Deed of admission to an omnibus guarantee and set-off agreement dated 2 april 2008 and | 1 property | 03/06/2011 | 08/07/2016 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Deed of admission to an omnibus guarantee and set-off agreement dated 2 april 2008 and | 1 property | 31/05/2011 | 08/07/2016 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Deed of admission to an omnibus guarantee and set-off agreement | 1 property | 23/12/2010 | 08/07/2016 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Deed of admission to an omnibus guarantee and set-off agreement dated 2 april 2008 | 1 property | 22/12/2010 | 08/07/2016 | |
| satisfied | Mosaic Private Equity (Nominees) (Security Trustee) Mosaic Private Equity (Nominees) Limited (Security Trustee) | Debenture | 1 property | 14/12/2010 | 04/09/2024 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Deed of admission to an omnibus guarantee and set-off agreement dated 2 april 2008 | 1 property | 29/10/2010 | 08/07/2016 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Deed of admission to an omnibus guarantee and set-off agreement dated 2 april 2008, | 1 property | 06/08/2010 | 08/07/2016 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Deed of admission to an omnibus guarantee and set-off agreement dated 02 april 2008, and | 1 property | 04/06/2010 | 08/07/2016 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Deed of admission to an omnibus guarantee and set-off agreement dated 2 april 2008 and | 1 property | 22/03/2010 | 08/07/2016 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Deed of admission to an omnibus guarantee and set-off agreement (ogsa) | 1 property | 04/02/2010 | 08/07/2016 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Deed of admission to an omnibus guarantee and set-off agreement | 1 property | 08/01/2010 | 08/07/2016 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Deed of admission to an omnibus guarantee and set-off agreement | 1 property | 18/12/2009 | 08/07/2016 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Deed of admission to an omnibus guarantee and set-off agreement | 1 property | 03/12/2009 | 08/07/2016 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Deed of admission to an omnibus guarantee and set-off agreement | 1 property | 16/10/2009 | 08/07/2016 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Deed of admission to an omnibus guarantee and set-off agreement | 1 property | 04/09/2009 | 08/07/2016 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage of life policy | 1 property | 08/10/2008 | 08/07/2016 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage of life policy | 1 property | 08/10/2008 | 08/07/2016 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Deed of assignment of sale and purchase agreement | 1 property | 02/04/2008 | 08/07/2016 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Deed of assignment of sale and purchase agreement | 1 property | 02/04/2008 | 08/07/2016 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Debenture deed | 1 property | 02/04/2008 | 08/07/2016 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | An omnibus guarantee and set-off agreement | 1 property | 02/04/2008 | 24/06/2016 | |
| satisfied | Modus Private Equity (Nominees) or Such Other Person as May Be Appointed Pursuant to the Security Trustee Deed to Act as Security Agent and Trustee for the Persons for the Time Being Entitled to the Benefit of Any Relevant Security Modus Private Equity (Nominees) Limited or Such Other Person as May Be Appointed Pursuant to the Security Trustee Deed to Act as Security Agent and Trustee for the Persons for the Time Being Entitled to the Benefit of Any Relevant Security | Debenture | 1 property | 02/04/2008 | 04/09/2024 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (228 total)
capital-variation-of-rights-attached-to-shares
capital · SH10
2026-06-19
capital-name-of-class-of-shares
capital · SH08
2026-06-19
capital-alter-shares-subdivision
capital · SH02
2026-06-19
resolution
resolution · RESOLUTIONS
2026-06-19
memorandum-articles
incorporation · MA
2026-06-19
resolution
resolution · RESOLUTIONS
2026-06-19
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-06-12
capital-allotment-shares
capital · SH01
2026-06-09
capital-allotment-shares
capital · SH01
2026-06-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-17
accounts-amended-with-accounts-type-group
accounts · AAMD
2025-10-04
accounts-with-accounts-type-group
accounts · AA
2025-09-05
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-06-09
change-person-director-company-with-change-date
officers · CH01
2025-03-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-18