PERSPECTIVE FINANCIAL GROUP LIMITED
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Cash
£18m
-14.4% vs 2024
Net assets
£43m
+11.3% highest in 3 filed years
Employees
713
+18% highest in 3 filed years
Profit before tax
£6.8m
+155.3% highest in 3 filed years
Net assets
3-year trend · vs Financials median
Accounts
3-year trend · Δ = latest vs prior filed period · latest reflected 2025-12-31
| Metric | Trend | 2023-12-31 | 2024-12-31 | 2025-12-31 | Δ vs prior |
|---|---|---|---|---|---|
| Turnover | £37,592,000 | £51,775,000 | £72,673,000 | +40.4% | |
| Operating profit | £2,662,000 | -£12,406,000 | £6,698,000 | +154% | |
| Profit before tax | £2,718,000 | -£12,389,000 | £6,848,000 | +155.3% | |
| Net profit | £2,160,000 | -£11,779,000 | £2,274,000 | +119.3% | |
| Cash | £6,465,000 | £20,626,000 | £17,659,000 | -14.4% | |
| Total assets less current liabilities | £46,862,000 | £69,305,000 | £84,118,000 | +21.4% | |
| Net assets | £21,495,000 | £38,326,000 | £42,638,000 | +11.3% | |
| Equity | £21,495,000 | £38,326,000 | £42,638,000 | +11.3% | |
| Average employees | 392 | 604 | 713 | +18% | |
| Wages | £14,642,000 | £23,660,000 | £34,642,000 | +46.4% | |
| Directors' remuneration | £687,000 | £1,032,000 | £1,326,000 | +28.5% | |
| Directors' pension contributions | £45,000 | £15,000 | £101,000 | +573.3% | |
| Highest paid director | £313,475 | £338,000 | £337,129 | -0.3% |
Values shown as filed in the company's annual accounts. — indicates the figure wasn't present under that line item in that period. The Δ column is the change from the prior filed period as a percentage of |prior|; lines a company doesn't report show —. About these numbers
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|
| Operating margin | 7.1% | -24.0% | 9.2% | |
| Net margin | 5.7% | -22.8% | 3.1% | |
| Return on capital employed | 5.7% | -17.9% | 8.0% | |
| Gearing (liabilities / total assets) | 83.0% | 82.4% | 86.7% | |
| Current ratio | 0.19x | 0.34x | 0.34x | |
| Interest cover | 56.64x | — | — |
Margins divide P&L lines by turnover. Gearing is liabilities over total assets. Current ratio is current assets over creditors falling due within one year. Interest cover is operating profit over absolute finance costs. Sector-distribution context coming next.
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Consolidated group
- Auditor
- Azets Audit Services
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“At the time of approving the financial statements, the Directors have a reasonable expectation that the Group has adequate resources to continue in operational existence for the foreseeable future. In forming this assessment, notwithstanding the Group's net current liabilities position which arises from intercompany borrowings to fund acquisitions and commitments to settle deferred considerations amounts to the extent they fall due within one year, the Directors have reasonable expectation of continued support through the injection of funds, if required, from external investors and are confident the underlying business, including trade from new acquisitions, has the ability to generate sufficient positive cash flows which will support the payment of deferred consideration and meet all other financial obligations as they fall due. Thus the Directors continue to adopt the going concern basis of accounting in preparing the financial statements.”
Group structure
- PERSPECTIVE FINANCIAL GROUP LIMITED · parent
- PFM Group Limited 100%
- Vista Platform Services Limited 100%
- Perspective (North East) Limited 100%
- Perspective (North) Limited 100%
- Professional Investment Management Services (Maidstone) Limited 100%
- Perspective (Thornton Springer) Limited 100%
- Perspective (West) Limited 100%
- Perspective (South East) Limited 100%
- Perspective (Home Counties) Limited 100%
- Perspective (North West) Limited 100%
- Perspective (Midlands & Cheshire) Limited 100%
- Perspective (Oxon) Limited 100%
- Perspective (South West) Limited 100%
- Perspective (HNH) Limited 100%
- Perspective (Central & East) Limited 100%
- Equilibrium Wealth Management Limited 100%
- Perspective (East Anglia) Limited 100%
- Perspective (Springfield) Limited 100%
- Perspective (Avon) Limited 100%
- HNH Financial Services Holdings Limited 100%
- Abbey Meads Financial Ltd 100%
- ILPG Ltd 100%
- Wingham Wyatt Group Ltd 100%
- Wingham Wyatt Financial Advisers Limited 100%
- Investment Principles Limited 100%
- Galloway Whitfield (Life & Pensions) Limited 100%
- Warnes Anderton Limited 100%
- RPG Financial Limited 100%
- Financial Connection Wealth Management Limited 100%
- Chambers & Co (Chelmsford) Limited 100%
- Shirebrook Wealth Management Limited 100%
- Prolific Financial Holdings Limited 100%
- Prolific Group Limited 100%
- Prolific Financial Services Limited 100%
- St Lawrence Investment & Pension Solutions Limited 100%
- Bowman Financial Planning Limited 100%
- Quantum Portfolio Management Limited 100%
- Avon Financial Advisers Limited 100%
- Beanland Financial Services Limited 100%
- Searchlight Holdings Limited 100%
- Searchlight Investments Limited 100%
- Stafford & Co. Ltd 100%
- Stafford Financial Planning Ltd 100%
- Charles Reynolds & Associates Limited 100%
- Charles Reynolds & Associates (Independent Financial Advisers Limited) 100%
- Future Lifestyle Limited 100%
- Vivienne Shepherd Limited 100%
- McGregors Wealth Management Limited 100%
- Platinum Portfolios Limited 100%
- Prosperity (Holdings) Limited 50%
- Prosperity (GB) Limited 50%
- Ramsey Financial (Cambs) Limited 100%
- Goldwyns Wealth Management Limited 100%
- Informed Financial Advice Limited 100%
- P Bennett & Associates Limited 100%
- Marlborough Place Ltd 100%
- Airedale PFS Limited 100%
- A to Z Financial Planning Limited 100%
- Granite Coast Limited 100%
- AYP Financial Planning Limited 100%
- Plan 2 Retire Limited 100%
- Strategic Financial Portfolios Limited 100%
- Anglin Associates Ltd 100%
- Accord Financial Management Limited 100%
- Primera Wealth Management Limited 100%
- P & S Partnership LTD 100%
- McGechie Ltd 100%
- Park Lane Independent Financial Advisers Limited 100%
- TWIFM Limited 100%
- Swallowtail Financial Consulting Limited 100%
- James Esdaile Ltd 100%
- Whittington Goddard Associates Ltd 100%
- Clifton Nash Limited 100%
- Professional Partnerships (North East) Limited 50%
- JRT Wealth Management Limited 100%
- Copthorne Financial Services Ltd 100%
- Gurwin Ltd 100%
- Constellation Financial Solutions Limited 100%
- P.W White (Holdings) Limited 100%
- P.W. White and Partners Limited 100%
- Spinney Financial Services Limited 100%
- Hawley & Wood Limited 100%
- Keith Mason Wealth Management Limited 100%
- Fortitude Financial Planning Limited 100%
- Edgmoor Limited 100%
Significant events
- “Following the end of 2025, the Group has successfully made several acquisitions comprising of: (i) the entire ordinary share capital of Cockburn Lucas Independent Financial Consulting Ltd, Crown Wealth Management Limited, Mackrill Financial Management Ltd, Grosvenor Wealth Management Limited, Professional Financial Centre (Cumbria) Ltd, Belper Independent Financial Solutions Limited, GWM Asset Management Limited, Carlton Smith Asset Protection Limited; and (ii) the trade and assets of Freedom Advice LLP, Clearwater Wealth Management LLP, Devonshire Financial Services Limited, Graham Investment Management Limited, Mr W P & Mrs S M Taylor t/a Throgmorton, Sapphire Wealth Management, Shand Associates Ltd, Plumb Financial Services and Phoenix Wealth Solutions Limited. The goodwill arising on these acquisitions has been estimated at £58m.”
- “In early 2026 the Group has undergone a restructuring whereby the investment in Cambridge Investments Limited was transferred from Symbol Bidco I Limited to Perspective Financial Group Limited for £15m via a share for share exchange. In addition, Perspective Financial Group Limited issued shares to Symbol Bidco I Limited in exchange of novating the deferred consideration balances of £85.2m.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
5 active · 11 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| HESKETH, David John Philip | Secretary | 2013-12-19 | — | — |
| HEPWORTH, Julie Suzanne | Director | 2013-12-19 | Mar 1974 | British |
| HESKETH, David John Philip | Director | 2013-12-19 | May 1981 | British |
| WARD, Sam Philip | Director | 2024-08-31 | May 1986 | British |
| WILKINSON, Ian Mitcheal | Director | 2013-12-19 | Nov 1970 | British |
Show 11 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| CARR, Philip Alexander | Secretary | 2012-07-26 | 2013-12-19 |
| MORROW, Anthony Jackson | Secretary | 2007-12-18 | 2012-07-26 |
| CARR, Philip Alexander | Director | 2007-12-18 | 2013-12-19 |
| CRADDOCK, Peter Martin | Director | 2011-08-02 | 2013-12-19 |
| HOGARTH, Paul Henry | Director | 2007-12-18 | 2019-12-20 |
| KEELING, Damian John | Director | 2007-12-18 | 2014-06-01 |
| MORROW, Anthony Jackson | Director | 2007-12-18 | 2014-03-03 |
| NEWTON, Paul Michael | Director | 2010-08-02 | 2019-12-20 |
| ROGAN, Michael Peter | Director | 2010-08-02 | 2019-12-20 |
| SMITH, Anthony Arthur James Bannard | Director | 2008-04-02 | 2009-06-23 |
| MOSAIC PRIVATE EQUITY LIMITED | Corporate Director | 2008-04-02 | 2019-12-20 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Cbpe Capital Ix Gp Llp | Corporate entity | Shares 50–75%, Shares 50–75% (as firm) | 2019-12-20 | Ceased 2024-05-08 |
| Cbpe Capital Llp | Corporate entity | Voting 50–75%, Voting 50–75% (as firm), Appoints directors, Appoints directors (as firm), Significant influence (as firm) | 2019-12-20 | Ceased 2024-05-08 |
| Mr Paul Henry Hogarth | Individual | Shares 25–50%, Voting 25–50%, Appoints directors (as firm), Significant influence (as firm) | 2016-04-06 | Ceased 2019-12-20 |
Filing timeline
Last 20 of 229 total filings
Material constitutional events — rename, articles re-file, resolution
- 2026-06-19 RESOLUTIONS Resolution
- 2026-06-19 MA Memorandum articles
- 2026-06-19 RESOLUTIONS Resolution
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-08-07 | AA | accounts | Accounts with accounts type group | |
| 2026-06-19 | SH10 | capital | Capital variation of rights attached to shares | |
| 2026-06-19 | SH08 | capital | Capital name of class of shares | |
| 2026-06-19 | SH02 | capital | Capital alter shares subdivision | |
| 2026-06-19 | RESOLUTIONS | resolution | Resolution | |
| 2026-06-19 | MA | incorporation | Memorandum articles | |
| 2026-06-19 | RESOLUTIONS | resolution | Resolution | |
| 2026-06-12 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2026-06-09 | SH01 | capital | Capital allotment shares | |
| 2026-06-08 | SH01 | capital | Capital allotment shares | |
| 2025-11-17 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-10-04 | AAMD | accounts | Accounts amended with accounts type group | |
| 2025-09-05 | AA | accounts | Accounts with accounts type group | |
| 2025-06-09 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2025-03-05 | CH01 | officers | Change person director company with change date | |
| 2024-12-18 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-10-07 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2024-09-16 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2024-09-16 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2024-09-16 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 12
- Capital events
- 5
- Officers appointed
- 0
- Officers resigned
- 0
last 12 months
last 24 months
last 12 months
last 12 months
Direct counts from the register. No score, no rating — see the Filing timeline for the underlying events.