Company Overview
Financial Lifetime Ltd is listed at the official companies registry as in Liquidation Private Limited Company. The company was incorporated on Friday 10 May 2013, so this is a well established company. Financial Lifetime Ltd has been in business for 12 years and 10 months. The accounts status is audit exemption subsidiary and the accounts are next due on Tuesday 30 September 2025.
Registered Address

C/O Forvis Mazars Llp, 30 Old Bailey, London, EC4M 7AU
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Companies House Data
Company NameFINANCIAL LIFETIME LTD
Company Number08524731
Registered Office AddressC/O FORVIS MAZARS LLP
 30 Old Bailey
 EC4M 7AU
Company CategoryPrivate Limited Company
Company StatusLiquidation
Country of OriginUnited Kingdom
Incorporation Date10/05/2013
Accounting Reference Date Day31
Accounting Reference Date Month12
Accounts Next Due Date30/09/2025
Accounts Last Made Up Date31/12/2023
Accounts Account CategoryAUDIT EXEMPTION SUBSIDIARY
Returns Next Due Date07/06/2017
Returns Last Made Up Date10/05/2016
Directors & Members
Show Resigned
Giovanni Dapra - Director
(Italian, 43 years old, born November 1983)
Appointed 31 July 2023
 Active
David Jackman - Director
(British, 66 years old, born June 1960)
Appointed 31 July 2023
 Active
Graeme Moor - Director
(British, 47 years old, born April 1979)
Appointed 30 June 2024
 Active
Christopher Trebilcock - Director
(British, 52 years old, born December 1974)
Appointed 02 November 2023
 Active
Fabio Zampaglione - Director
(Italian, 44 years old, born July 1982)
Appointed 16 November 2023
 Active
Secretaries
Show Resigned
Other Company Directorships
Giovanni Dapra
88 HOLLAND PARK LIMITED
PROFILE FINANCIAL SOLUTIONS LTD
PROFILE FSH LIMITED
David Jackman
ARMITT LIBRARY AND MUSEUM CENTRE
DAVID JACKMAN LIMITED
EMBARK SERVICES LIMITED
GRASMERE CRUCIBLE COMMUNITY INTEREST COMPANY
ITC COMPLIANCE LIMITED
PAYPLAN BESPOKE SOLUTIONS LIMITED
PAYPLAN PARTNERSHIP LIMITED
PROFILE FINANCIAL SOLUTIONS LTD
PROFILE FSH LIMITED
THE ETHICAL SPACE LIMITED
THE ETHICS FOUNDATION (2003) LIMITED
WINDERMERE EDUCATIONAL TRUST LIMITED
Graeme Moor
PROFILE FINANCIAL SOLUTIONS LTD
PROFILE FSH LIMITED
Christopher Trebilcock
MOBIUS LIFE BIDCO LIMITED
PROFILE FINANCIAL SOLUTIONS LTD
PROFILE FSH LIMITED
Fabio Zampaglione
PROFILE FINANCIAL SOLUTIONS LTD
PROFILE FSH LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Dec-2023 31-Dec-2022 31-Dec-2021
Balance Sheet
Fixed Assets 0 0 0
Current Assets 463,273 463,273 674,955
Creditors Due Within One Year 5,432,500 5,432,500 5,432,501
Working Cap -4,969,227 -4,969,227 -4,757,546
Total Assets Less Current Liabilities -4,969,227 -4,969,227 -4,757,546
Long-term Liabilities 0 0 0
Net Assets -4,969,227 -4,969,227 -4,757,546
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds -4,969,227 -4,969,227 -4,757,546
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2023 31-Dec-2022 31-Dec-2021
Tangible Fixed Assets - - -
Fixed Assets 0.0% 0.0% 0.0%
Stocks Inventory - - -
Debtors 98.6% 98.6% 98.3%
Cash Bank In Hand 1.4% 1.4% 1.7%
Current Assets 100.0% 100.0% 100.0%
Creditors Due Within One Year 1172.6% 1172.6% 804.9%
Net Current Assets Liabilities -1072.6% -1072.6% -704.9%
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 -1072.6% -1072.6% -704.9%
Capital Employed - - -
Total Assets Less Current Liabilities -1072.6% -1072.6% -704.9%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2023 31-Dec-2022 31-Dec-2021
Liquidity Ratio 0.1 0.1 0.1
Solvency Ratio 0.1 0.1 0.1
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 1
Mortgages Outstanding 0
Mortgages Part Satisfied 0
Mortgages Satisfied 1
Assets and Debt Analysis Unlock full report
Accounts Date 31-Dec-2023 31-Dec-2022 31-Dec-2021
Assets 463,273 463,273 674,955
Debt 5,432,500 5,432,500 5,432,501
Net Assets/Debt -4,969,227 -4,969,227 -4,757,546

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.

Current debt exceeded short term liquid assets as at the balance sheet date. We would normally view this in the context of other profitability and solvency indicators. Total reserves including retained profitability and movement in reserves has some deficiency. The balance sheet net assets figure is negative. The latest accounts are not up-to-date. Later accounts are now overdue. Late filing is not a positive factor. Analysis based on the latest figures available must be taken in the context that the figures are not up-to-date. Information provided by Companies House shows Liquidation.

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.Current debt exceeded short term liquid assets as at the balance sheet date. We would normally view this in the context of other profitability and solvency indicators. Total reserves including retained profitability and movement in reserves has some deficiency. The balance sheet net assets figure is negative. The latest accounts are not up-to-date. Later accounts are now overdue. Late filing is not a positive factor. Analysis based on the latest figures available must be taken in the context that the figures are not up-to-date. Information provided by Companies House shows Liquidation.  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.Current debt exceeded short term liquid assets as at the balance sheet date. We would normally view this in the context of other profitability and solvency indicators. Total reserves including retained profitability and movement in reserves has some deficiency. The balance sheet net assets figure is negative. The latest accounts are not up-to-date. Later accounts are now overdue. Late filing is not a positive factor. Analysis based on the latest figures available must be taken in the context that the figures are not up-to-date. Information provided by Companies House shows Liquidation.

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 EC4M 7AU
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MIZUHO HOUSE, 30 OLD BAILEY, LONDON, EC4M 7AU
MIZUHO INTERNATIONAL PLC
30 OLD BAILEY, LONDON, EC4M 7AU
ASSET MANAGEMENT ONE INTERNATIONAL LTD.
30 OLD BAILEY, LONDON, EC4M 7AU
Document Filings
Appointment of Mr Jason Leslie Robert Chapman as a director on 1 December 2025
Termination of appointment of Graeme De Moor as a director on 31 October 2025
Termination of appointment of a director
Registered office address changed from 30 Old Bailey London EC4M 7AU to 30 Old Bailey London EC4M 7AU on 12 February 2026
Registered office address changed from C/O Forvis Mazars Llp 1st Floor Two Chamberlain Square Birmingham B3 3AX to 30 Old Bailey London EC4M 7AU on 4 February 2026
Registered office address changed from Norwest Court Guildhall Street Preston PR1 3NU England to C/O Forvis Mazars Llp 1st Floor Two Chamberlain Square Birmingham B3 3AX on 25 July 2025
Declaration of solvency
Appointment of a voluntary liquidator
Resolutions
Confirmation statement made on 10 May 2025 with no updates
Consolidated accounts of parent company for subsidiary company period ending 31/12/23
Notice of agreement to exemption from audit of accounts for period ending 31/12/23
Audit exemption statement of guarantee by parent company for period ending 31/12/23
Satisfaction of charge 085247310001 in full
Appointment of Mr Graeme De Moor as a director on 30 June 2024
Termination of appointment of Guiseppe Trettenero as a director on 30 June 2024
Confirmation statement made on 10 May 2024 with no updates
Appointment of Fabio Zampaglione as a director on 16 November 2023
Termination of appointment of Isabelle Caroline Pinson as a director on 16 November 2023
Appointment of Mr Christopher Bruce Trebilcock as a director on 2 November 2023
Termination of appointment of Jordan Mayo as a director on 31 October 2023
Appointment of Mr David James Jackman as a director on 31 July 2023
Appointment of Mr Giovanni Dapra as a director on 31 July 2023
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