Company Overview
The Personal Finance Society is listed at the official companies registry as Active Private Limited Company By Guarantee Without Share Capital, Use Of 'Limited' Exemption. The company was incorporated on Thursday 25 March 2004, so this is a well established company. The Personal Finance Society has been in business for 22 years. The accounts status is total exemption full and the accounts are next due on Wednesday 30 September 2026.
Registered Address

3Rd Floor 20 Fenchurch Street, London, EC3M 3BY
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Companies House Data
Company NameTHE PERSONAL FINANCE SOCIETY
Company Number05084125
Registered Office Address3rd Floor 20 Fenchurch Street
 EC3M 3BY
Company CategoryPrivate Limited Company By Guarantee Without Share Capital, Use Of 'Limited' Exemption
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date25/03/2004
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 Date22/04/2017
Returns Last Made Up Date25/03/2016
Directors & Members
Show Resigned
Carla Brown - Director
(British, 53 years old, born September 1973)
Appointed 22 June 2023
 Active
Ian Callaghan - Director
(Welsh, 65 years old, born July 1961)
Appointed 18 March 2025
 Active
Michael Crane - Director
(British, 58 years old, born September 1968)
Appointed 19 June 2024
 Active
Kathryn Gannon - Director
(British, 54 years old, born June 1972)
Appointed 01 March 2025
 Active
Edward Grant - Director
(British, 60 years old, born December 1966)
Appointed 12 July 2023
 Active
Adam Harper - Director
(British, 56 years old, born February 1970)
Appointed 05 March 2026
 Active
Matthew Hill - Director
(British, 57 years old, born August 1969)
Appointed 30 September 2024
 Active
Roger Jackson - Director
(British, 37 years old, born May 1989)
Appointed 01 December 2025
 Active
Secretaries
Show Resigned
Other Company Directorships
Carla Brown
CL WILLS & ESTATE PLANNING LTD
KAUAI HOLDINGS LTD
Ian Callaghan
No companies found
Michael Crane
BUDDIES ENTERPRISES LIMITED
FAIRMEAD DISTRIBUTION SERVICES LIMITED
FAIRMEAD INSURANCE LIMITED
HIGHWAY INSURANCE COMPANY LIMITED
HIGHWAY INSURANCE GROUP LIMITED
LIVERPOOL VICTORIA GENERAL INSURANCE GROUP LIMITED
LIVERPOOL VICTORIA INSURANCE COMPANY LIMITED
LV ASSISTANCE SERVICES LIMITED
LV REPAIR SERVICES LIMITED
MOTOR INSURERS' BUREAU
Kathryn Gannon
AGE CONCERN IN CORNWALL AND THE ISLES OF SCILLY
GANNON WEALTH MANAGEMENT LIMITED
TRANSPORT ACCESS PEOPLE LIMITED
Edward Grant
JUST ASKED LIMITED
Adam Harper
ILKLEY LIVE LTD
Matthew Hill
No companies found
Roger Jackson
CARER SUPPORT SOUTH LAKES
CARER SUPPORT SOUTH LAKES (CSSL) SERVICES C.I.C.
DAVID HOPKINSON IFA LTD
FINANCIAL MANAGEMENT BUREAU LIMITED
FMB (HOLDINGS) LIMITED
JIGSAW FOUR LTD
Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2020 31-Dec-2019
Balance Sheet
Fixed Assets 0 0 0
Current Assets 16,689,000 16,689,000 14,255,000
Creditors Due Within One Year 2,698,000 2,698,000 2,714,000
Working Cap 13,991,000 13,991,000 11,541,000
Total Assets Less Current Liabilities 13,991,000 13,991,000 11,541,000
Long-term Liabilities 0 0 0
Net Assets 13,991,000 13,991,000 11,541,000
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 13,991,000 13,991,000 11,541,000
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2020 31-Dec-2019
Tangible Fixed Assets - - -
Fixed Assets 0.0% 0.0% 0.0%
Stocks Inventory - - -
Debtors 99.7% 99.7% 99.7%
Cash Bank In Hand 0.3% 0.3% 0.3%
Current Assets 100.0% 100.0% 100.0%
Creditors Due Within One Year 16.2% 16.2% 19.0%
Net Current Assets Liabilities 83.8% 83.8% 81.0%
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 83.8% 83.8% 81.0%
Capital Employed - - -
Total Assets Less Current Liabilities 83.8% 83.8% 81.0%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2020 31-Dec-2019
Liquidity Ratio 6.2 6.2 5.3
Solvency Ratio 6.2 6.2 5.3
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-2020 31-Dec-2019
Assets 16,689,000 16,689,000 14,255,000
Debt 2,698,000 2,698,000 2,714,000
Net Assets/Debt 13,991,000 13,991,000 11,541,000

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 appeared positive. We would normally view a company positively for this. The balance sheet indicates the net assets of a good sized company. For the size of the company inferred by the balance sheet the level of net assets suggests a comfortable level of cover for 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 appeared positive. We would normally view a company positively for this. The balance sheet indicates the net assets of a good sized company. For the size of the company inferred by the balance sheet the level of net assets suggests a comfortable level of cover for 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 appeared positive. We would normally view a company positively for this. The balance sheet indicates the net assets of a good sized company. For the size of the company inferred by the balance sheet the level of net assets suggests a comfortable level of cover for 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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WALDORF PRODUCTION UK PLC
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AAA UK HOLDING CO. LIMITED
20 Fenchurch Street, 31st Floor, London, EC3M 3BY
Document Filings
Change of details for Chartered Insurance Institute as a person with significant control on 26 February 2026
Appointment of Mr Adam John Harper as a director on 5 March 2026
Appointment of Dr Alan Geoffrey Whittle as a director on 2 March 2026
Registered office address changed from 3rd Floor 20 Fenchurch Street London EC3M 3BY England to 1st Floor 30 Old Broad Street London EC2N 1HT on 3 March 2026
Termination of appointment of Gillian Lesley White as a director on 31 December 2025
Appointment of Mr Roger Jackson as a director on 1 December 2025
Termination of appointment of Deborah Elizabeth Mitchell as a director on 30 November 2025
Termination of appointment of Trevor Joseph Edwards as a director on 8 August 2025
Termination of appointment of Daniel Graham Williams as a director on 19 May 2025
Termination of appointment of Ben Howard Wright as a director on 19 May 2025
Termination of appointment of Christine Anne Elliott as a director on 10 April 2025
Confirmation statement made on 8 April 2025 with no updates
Termination of appointment of Mathew Lee Mallett as a director on 4 April 2025
Appointment of Mr Ian Michael Callaghan as a director on 18 March 2025
Appointment of Mrs Kathryn Elizabeth Gannon as a director on 1 March 2025
Appointment of Mr Craig Palfrey as a director on 1 March 2025
Termination of appointment of Elizabeth Bastin as a director on 19 December 2024
Termination of appointment of Anthony Ward as a director on 11 October 2024
Amended accounts for a small company made up to 31 December 2023
Director's details changed for Mr Trevor Edwards on 30 September 2024
Appointment of Mr Matthew Hill as a director on 30 September 2024
Director's details changed for Ms Gilliam Lesley White on 1 October 2024
Appointment of Ms Christine Anne Elliott as a director on 19 September 2024
Appointment of Mr Mathew Lee Mallett as a director on 30 September 2024
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