LIFETIME FINANCIAL MANAGEMENT LIMITED Credit Check Report

Company Overview

Lifetime Financial Management Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Tuesday 20 October 1998, so this is a well established company. Lifetime Financial Management Limited has been in business for 27 years and 5 months. The accounts status is small and the accounts are next due on Wednesday 31 December 2025.

Registered Address

12-14 Upper Marlborough Road, St. Albans, Hertfordshire, AL1 3UR

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Companies House Data

Company Name	LIFETIME FINANCIAL MANAGEMENT LIMITED
Company Number	03652194
Registered Office Address	12-14 Upper Marlborough Road
	AL1 3UR
Company Category	Private Limited Company
Company Status	Active
Country of Origin	United Kingdom
Incorporation Date	20/10/1998
Accounting Reference Date Day	31
Accounting Reference Date Month	3
Accounts Next Due Date	31/03/2026
Accounts Last Made Up Date	31/03/2024
Accounts Account Category	SMALL
Returns Next Due Date	17/11/2016
Returns Last Made Up Date	20/10/2015

Directors & Members

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	Christopher Last - Director (British, 70 years old, born July 1956) Appointed 01 March 2017	Active
	Paul Merrigan - Director (British, 61 years old, born November 1965) Appointed 20 October 1998	Active
	Ufuk Ozturk - Director (British, 55 years old, born November 1971) Appointed 26 July 2011, Resigned 07 October 2025	Resigned
	Brian Taylor - Director (British, 62 years old, born March 1964) Appointed 01 September 2002, Resigned 01 September 2007	Resigned
	William Tester - Nominee Director (British, 64 years old, born June 1962) Appointed 20 October 1998, Resigned 20 October 1998	Resigned
	Howard Thomas - Nominee Secretary (British) Appointed 20 October 1998, Resigned 20 October 1998	Resigned

Secretaries

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	Stephen Ingrey - Secretary (British) Appointed 20 October 2005, Resigned 31 October 2007	Resigned
	Andrew Peasey - Secretary (British) Appointed 20 October 1998, Resigned 13 September 2001	Resigned
	Howard Thomas - Nominee Secretary (British) Appointed 20 October 1998, Resigned 20 October 1998	Resigned
	Laura Whitby - Secretary (British) Appointed 13 September 2001, Resigned 20 October 2005	Resigned
	Laura Whitby - Secretary (British) Appointed 31 October 2007, Resigned 02 January 2020	Resigned

Other Company Directorships

Christopher Last
COFUNDS LEASING LIMITED
COFUNDS LIMITED
COFUNDS NOMINEES LTD
DORSET NOMINEES LIMITED
FINK LIFETIME LIMITED
LEGAL & GENERAL (PORTFOLIO MANAGEMENT SERVICES) LIMITED
LEGAL & GENERAL ESTATE AGENCIES (FS) LIMITED
LEGAL & GENERAL ESTATE AGENCIES LIMITED
LIFETIME CONNECT LIMITED
LIFETIME WEALTH MANAGEMENT LIMITED
MINSTER NOMINEES LIMITED
SPIRE CJL LTD
TURRIS DEVELOPMENT LIMITED

Paul Merrigan
360 DOT NET LIMITED
BEGLEY GROUP LIMITED
ELLAND ROAD FINANCIAL SOLUTIONS LIMITED
FINK LIFETIME LIMITED
HARRIS BEGLEY LIFETIME PARTNERS LIMITED
HERMOSA LIFESTYLE LIMITED
INTELLIGENT WEALTH LIFETIME PARTNERS LIMITED
LIFETIME ASSURE LIMITED
LIFETIME CONNECT LIMITED
LIFETIME FS LIMITED
LIFETIME OPTIONS LIMITED
LIFETIME PARTNERS LIMITED
LIFETIME WEALTH MANAGEMENT LIMITED
LIFETIME WILLS & TRUSTS LIMITED
MORTGAGES IN LINCOLN LIMITED
PRIVATE & COMMERCIAL LIFETIME PARTNERS LIMITED
REDWOOD LIFETIME PARTNERS LIMITED
RYDERHEATH LIMITED
SCOTTSDALE CAPITAL LIMITED
SCOTTSDALE MONEYWISE LIMITED
SPINNINGFIELDS WEALTH PARTNERS LIMITED
TRINITY LIFETIME PARTNERS HOLDCO LIMITED
TRINITY LIFETIME PARTNERS LIMITED
YOKE GLOBAL LIMITED

Balance Sheet

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Common Size Financial Analysis

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Secured Creditors

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Public Record Information

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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

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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

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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

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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

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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)

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

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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

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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

Other Business around AL1 3UR

	SCOTTSDALE CAPITAL LIMITED 12 - 14 UPPER MARLBOROUGH ROAD, ST. ALBANS, AL1 3UR
	FINK LIFETIME LIMITED 12-14 UPPER MARLBOROUGH ROAD, ST. ALBANS, HERTFORDSHIRE, AL1 3UR
	NEOGRID EUROPE LTD 240 Chestnut Avenue, Chandler's Ford, Eastleigh, AL1 3UR
	UNIWEIGH AND CONTROL LIMITED 8 Upper Marlborough Road, St Albans, Herts, AL1 3UR
	LIFETIME WEALTH MANAGEMENT LIMITED 12-14 UPPER MARLBOROUGH ROAD, ST. ALBANS, HERTFORDSHIRE, AL1 3UR
	360 DOT NET LIMITED 12-14 UPPER MARLBOROUGH ROAD, ST. ALBANS, HERTFORDSHIRE, AL1 3UR
	POXY CO. LTD 10 Saxon House 2 Upper Marlborough Road, St. Albans, Hertfordshire, AL1 3UR
	RYDERHEATH LIMITED 12-14 Upper Marlborough Road, St. Albans, Hertfordshire, AL1 3UR
	TRINITY LIFETIME PARTNERS LIMITED 3RD FLOOR, 5, ROYAL EXCHANGE BUILDINGS, LONDON, AL1 3UR
	INVESTMENT PROPERTIES (LUTON) LIMITED First Floor 8-10 Upper Marlborough Road, St. Albans, Hertfordshire, AL1 3UR

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