Company Overview
Panoramic Wealth Management Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Thursday 22 October 2009, so this is a well established company. Panoramic Wealth Management Limited has been in business for 16 years and 5 months. The accounts status is total exemption full and the accounts are next due on Friday 31 July 2026.
Registered Address

9 Teise Close, Tunbridge Wells, TN2 5JN
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Companies House Data
Company NamePANORAMIC WEALTH MANAGEMENT LIMITED
Company Number07053723
Registered Office Address9 Teise Close
 TN2 5JN
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date22/10/2009
Accounting Reference Date Day31
Accounting Reference Date Month10
Accounts Next Due Date31/07/2026
Accounts Last Made Up Date31/10/2024
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date19/11/2016
Returns Last Made Up Date22/10/2015
Previous Company NameChanged Date
H&D WEALTH (TW) LIMITED28 Sep 2015
H & D FINANCIAL SERVICES (T.W.) LTD16 Apr 2013
Directors & Members
Gary Jefferies - Director
(British, 66 years old, born December 1960)
Appointed 22 October 2009
 Active
Secretaries
Jill Jefferies - Secretary
Appointed 22 October 2009
 Active
Other Company Directorships
Gary Jefferies
PANORAMIC FINANCIAL PLANNING LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Oct-2024 31-Oct-2021 31-Oct-2020
Balance Sheet
Fixed Assets 33,895 33,895 41,636
Current Assets 198,896 198,896 134,521
Creditors Due Within One Year 35,979 35,979 19,535
Working Cap 162,917 162,917 114,986
Total Assets Less Current Liabilities 196,812 196,812 156,622
Long-term Liabilities 12,306 12,306 18,500
Net Assets 184,506 184,506 138,122
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 184,506 184,506 138,122
Common Size Financial Analysis Unlock full report
Accounts Date 31-Oct-2024 31-Oct-2021 31-Oct-2020
Tangible Fixed Assets - - -
Fixed Assets 14.6% 14.6% 23.6%
Stocks Inventory - - -
Debtors 3.5% 3.5% 4.7%
Cash Bank In Hand 81.9% 81.9% 71.7%
Current Assets 85.4% 85.4% 76.4%
Creditors Due Within One Year 15.5% 15.5% 11.1%
Net Current Assets Liabilities 70.0% 70.0% 65.3%
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 79.3% 79.3% 78.4%
Capital Employed - - -
Total Assets Less Current Liabilities 84.5% 84.5% 88.9%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Oct-2024 31-Oct-2021 31-Oct-2020
Liquidity Ratio 5.5 5.5 6.9
Solvency Ratio 4.8 4.8 4.6
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-Oct-2024 31-Oct-2021 31-Oct-2020
Assets 232,791 232,791 176,157
Debt 48,285 48,285 38,035
Net Assets/Debt 184,506 184,506 138,122

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. 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. 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. 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
Other Business around TN2 5JN
MARTINEK LTD
NO 2 TEISE CLOSE, TUNBRIDGE WELLS, KENT, TN2 5JN
Document Filings
Confirmation statement made on 8 March 2026 with no updates
Director's details changed for Mr Gary Arthur Jefferies on 22 December 2025
Confirmation statement made on 8 March 2025 with no updates
Change of details for Mr Gary Arthur Jefferies as a person with significant control on 22 March 2019
Notification of Ross Gary Jefferies as a person with significant control on 22 March 2019
Confirmation statement made on 8 March 2024 with no updates
Confirmation statement made on 8 March 2023 with no updates
Registered office address changed from , 16 Lonsdale Gardens, Tunbridge Wells, TN1 1NU, England to 9 Teise Close Tunbridge Wells TN2 5JN on 12 December 2022
Confirmation statement made on 8 March 2022 with no updates
Secretary's details changed for Jill Jefferies on 28 August 2020
Change of details for Mr Gary Arthur Jefferies as a person with significant control on 28 August 2020
Confirmation statement made on 8 March 2021 with no updates
Confirmation statement made on 8 March 2020 with updates
Registered office address changed from , 2nd Floor, Richmond Terrace 49 London Road, London Road, Tunbridge Wells, Kent, TN1 1DT, England to 9 Teise Close Tunbridge Wells TN2 5JN on 4 May 2019
Statement of capital following an allotment of shares on 22 March 2019
Confirmation statement made on 8 March 2019 with no updates
Confirmation statement made on 22 October 2018 with no updates
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