Company Overview
Pension Advice Specialists Limited is listed at the official companies registry as in Liquidation Private Limited Company. The company was incorporated on Wednesday 21 June 2017, so this is a well established company. Pension Advice Specialists Limited has been in business for 8 years and 9 months. The accounts status is total exemption full and the accounts are next due on Sunday 31 March 2024.
Registered Address

Riverside House, Irwell Street, Manchester, M3 5EN
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Companies House Data
Company NamePENSION ADVICE SPECIALISTS LIMITED
Company Number10828883
Registered Office AddressRiverside House
 Irwell Street
 M3 5EN
Company CategoryPrivate Limited Company
Company StatusLiquidation
Country of OriginUnited Kingdom
Incorporation Date21/06/2017
Accounting Reference Date Day30
Accounting Reference Date Month6
Accounts Next Due Date31/03/2024
Accounts Last Made Up Date30/06/2022
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date19/07/2018
Previous Company NameChanged Date
PENSIONADVICESPECIALISTS LTD26 Oct 2017
Directors & Members
Show Resigned
Stewart Davies - Director
(British, 61 years old, born December 1965)
Appointed 25 October 2018
 Active
Secretaries
Show Resigned
Other Company Directorships
Stewart Davies
IPENSIONS GROUP LIMITED
IWEALTH HOLDINGS LIMITED
MOMENTUM PENSIONS HOLDINGS LIMITED
PAS GROUP HOLDINGS LIMITED
PAS WEALTH LTD
Balance Sheet Unlock full report
Accounts Date 30-Jun-2022 30-Jun-2021 30-Jun-2020
Balance Sheet
Fixed Assets 9,388 5,073 7,083
Current Assets 510,081 811,179 539,197
Creditors Due Within One Year 265,806 444,614 234,017
Working Cap 244,275 366,565 305,180
Total Assets Less Current Liabilities 253,663 371,638 312,263
Long-term Liabilities 0 0 0
Net Assets 253,663 371,638 312,263
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 253,663 371,638 312,263
Common Size Financial Analysis Unlock full report
Accounts Date 30-Jun-2022 30-Jun-2021 30-Jun-2020
Tangible Fixed Assets - - -
Fixed Assets 1.8% 0.6% 1.3%
Stocks Inventory - - -
Debtors 10.1% 6.6% 12.6%
Cash Bank In Hand 88.1% 92.8% 86.1%
Current Assets 98.2% 99.4% 98.7%
Creditors Due Within One Year 51.2% 54.5% 42.8%
Net Current Assets Liabilities 47.0% 44.9% 55.9%
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 48.8% 45.5% 57.2%
Capital Employed - - -
Total Assets Less Current Liabilities 48.8% 45.5% 57.2%
Financial Ratio Analysis Unlock full report
Accounts Date 30-Jun-2022 30-Jun-2021 30-Jun-2020
Liquidity Ratio 1.9 1.8 2.3
Solvency Ratio 2.0 1.8 2.3
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 30-Jun-2022 30-Jun-2021 30-Jun-2020
Assets 519,469 816,252 546,280
Debt 265,806 444,614 234,017
Net Assets/Debt 253,663 371,638 312,263
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 has some deficiency. 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 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 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 has some deficiency. 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 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 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 has some deficiency. 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 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 M3 5EN
CAR CARE EXPRESS (NW) LTD
Unit 4 Trinity Row, East Ordall Lane, Manchester, M3 5EN
Document Filings
Liquidators' statement of receipts and payments to 22 April 2025
Appointment of a voluntary liquidator
Administrator's progress report
Notice of move from Administration case to Creditors Voluntary Liquidation
Administrator's progress report
Result of meeting of creditors
Statement of administrator's proposal
Statement of affairs with form AM02SOA/AM02SOC
Appointment of an administrator
Termination of appointment of Ben Atkinson as a secretary on 24 March 2023
Registered office address changed from Marshall House First Floor 2 Park Avenue Sale Manchester M33 6HE England to Riverside House Irwell Street Manchester M3 5EN on 19 April 2023
Termination of appointment of Mark John Gaywood as a director on 18 April 2023
Termination of appointment of Craig Richard Stokes as a director on 31 December 2022
Termination of appointment of Ian Leslie Costain as a director on 31 August 2022
Confirmation statement made on 20 June 2022 with no updates
Appointment of Mr Craig Richard Stokes as a director on 1 October 2021
Confirmation statement made on 20 June 2021 with no updates
Appointment of Mr Ben Atkinson as a secretary on 14 May 2021
Appointment of Mr Ian Leslie Costain as a director on 1 May 2021
Part Rectified The form AP01 was removed on 01/03/2021 as it was factually inaccurate or was derived from something factually inaccurate.
Termination of appointment of Craig Douglas Cheyne as a director on 16 November 2020
Change of details for Pas Group Holdings Limited as a person with significant control on 20 September 2019
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