PERSPECTIVE FINANCIAL GROUP LIMITED

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Next accounts due

2026-09-30 (in 4mo)

Last filed for 2024-12-31

Confirmation statement due

2026-11-28 (in 6mo)

Last made up 2025-11-14

Watchouts

1 item

Watchouts

Facts from the Companies House register and the latest accounts — not a rating

2 PSCs ceased in last 24 months

Significant control changed hands — see the Ownership section.

Accounts

Audit & accounting basis

Accounting basis: FRS 102
Reporting scope: Consolidated group
Auditor: Azets Audit Services
Audit opinion: Unqualified (clean)
Going concern: Affirmed
“In auditing the financial statements, we have concluded that the Directors' use of the going concern basis of accounting in the preparation of the financial statements is appropriate. Based on the work we have performed, we have not identified any material uncertainties relating to events or conditions that, individually or collectively, may cast significant doubt on the Group's or the parent Company's ability to continue as a going concern for a period of at least twelve months from when the financial statements are authorised for issue.”

Group structure

PERSPECTIVE FINANCIAL GROUP LIMITED · parent
1. PFM Group Limited 100% · Group Holding Company
2. Vista Platform Services Limited 100% · Dormant
3. Perspective (North East) Limited 100% · IFA regulated business
4. Perspective (North) Limited 100% · IFA regulated business
5. Perspective (South) Limited 100% · IFA regulated business
6. Perspective (Thornton Springer) Limited 100% · IFA regulated business
7. Perspective (West) Limited 100% · IFA regulated business
8. Perspective (South East) Limited 100% · IFA regulated business
9. Perspective (Home Counties) Limited 100% · IFA regulated business
10. Perspective (North West) Limited 100% · IFA regulated business
11. Perspective (Midlands & Cheshire) Limited 100% · IFA regulated business
12. Perspective (Oxon) Limited 100% · IFA regulated business
13. Perspective (South West) Limited 100% · IFA regulated business
14. Perspective (HNH) Limited 100% · IFA regulated business
15. Perspective (Central & East) Limited 100% · IFA regulated business
16. Perspective (Gould Financial Planning) Limited 100% · IFA regulated business
17. Perspective (East Anglia) Limited 100% · IFA regulated business
18. Perspective (Springfield) Limited 100% · IFA regulated business
19. Perspective (Avon) Limited 100% · Dormant
20. HNH Financial Services Holdings Limited 100% · Holding company
21. Abbey Meads Financial Ltd 100% · Dormant
22. ILPG Ltd 100% · Holding company
23. Wingham Wyatt Group Ltd 100% · Holding company
24. Wingham Wyatt Financial Advisers Limited 100% · Dormant
25. Investment Principles Limited 100% · Dormant
26. Galloway Whitfield (Life & Pensions) Limited 100% · IFA regulated business
27. Warnes Anderton Limited 100% · Dormant
28. RPG Financial Limited 100% · IFA regulated business
29. Financial Connection Wealth Management Limited 100% · Dormant
30. Chambers & Co (Chelmsford) Limited 100% · IFA regulated business
31. Shirebrook Wealth Management Limited 100% · IFA regulated business
32. Prolific Financial Holdings Limited 100% · Holding company
33. Prolific Group Limited 100% · Holding company
34. Prolific Financial Services Limited 100% · Dormant
35. St Lawrence Investment & Pension Solutions Limited 100% · Dormant
36. Bowman Financial Planning Limited 100% · Dormant
37. Quantum Portfolio Management Limited 100% · Dormant
38. Avon Financial Advisers Limited 100% · Dormant
39. Beanland Financial Services Limited 100% · Dormant
40. Searchlight Holdings Limited 100% · Holding company
41. Searchlight Investments Limited 100% · Dormant
42. Stafford & Co. Ltd 100% · Dormant
43. Stafford Financial Planning Ltd 100% · Dormant
44. Charles Reynolds & Associates Limited 100% · Holding company
45. Charles Reynolds & Associates (Independent Financial Advisers Limited) 100% · IFA regulated business
46. Future Lifestyle Limited 100% · Dormant
47. Vivienne Shepherd Limited 100% · Dormant
48. McGregors Wealth Management Limited 100% · Dormant
49. Platinum Portfolios Limited 100% · Dormant
50. Prosperity (Holdings) Limited 50% · Holding company
51. Prosperity (GB) Limited 50% · IFA regulated business
52. Ramsey Financial (Cambs) Limited 100% · Dormant
53. Goldwyns Wealth Management Limited 100% · Dormant
54. Informed Financial Advice Limited 100% · Dormant
55. P Bennett & Associates Limited 100% · Dormant
56. Marlborough Place Ltd 100% · Dormant
57. Airedale PFS Limited 100% · Dormant
58. Millfield Osceola Financial Consultancy Limited 100% · IFA regulated business
59. Pilkington Aspinall And Bury Limited 100% · IFA regulated business
60. Foinaven Asset Management Limited 100% · IFA regulated business
61. PW Financial Management Limited 100% · IFA regulated business
62. Tony Fenton & Sons Wealth Management Limited 100% · IFA regulated business
63. Watson Buckle Wealth Management Ltd 50% · United Kingdom · IFA regulated business

Significant events

“Following the end of 2024, the Group has successfully made several acquisitions comprising of: (i) the entire ordinary share capital of Chapter Wealth Management Ltd, Inspirational Financial Planning Ltd, Paul Horton Financial Solutions Limited, Friendly Wealth Management Ltd, BSQFA Limited, VMCFA LTD, PFA Limited, PMCO Limited, Clarendon Financial Planning Ltd, Sapient Wealth Management Limited, Mat White Financial Services Limited; and (ii) the trade and assets of Square One Financial Planning Limited, Select Financial Solutions Limited, Clarendon LLP, Lifestyle Financial Services (Droitwich) Limited, Sirius Money Management Limited and Bayham Wealth LLP. The goodwill arising on these acquisitions has been estimated at £31m.”

Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers

People

5 active · 11 resigned

Name	Role	Appointed	Born	Nationality
HESKETH, David John Philip	Secretary	2013-12-19	—	—
HEPWORTH, Julie Suzanne	Director	2013-12-19	Mar 1974	British
HESKETH, David John Philip	Director	2013-12-19	May 1981	British
WARD, Sam Philip	Director	2024-08-31	May 1986	British
WILKINSON, Ian Mitcheal	Director	2013-12-19	Nov 1970	British

Show 11 resigned officers

Name	Role	Appointed	Resigned
CARR, Philip Alexander	Secretary	2012-07-26	2013-12-19
MORROW, Anthony Jackson	Secretary	2007-12-18	2012-07-26
CARR, Philip Alexander	Director	2007-12-18	2013-12-19
CRADDOCK, Peter Martin	Director	2011-08-02	2013-12-19
HOGARTH, Paul Henry	Director	2007-12-18	2019-12-20
KEELING, Damian John	Director	2007-12-18	2014-06-01
MORROW, Anthony Jackson	Director	2007-12-18	2014-03-03
NEWTON, Paul Michael	Director	2010-08-02	2019-12-20
ROGAN, Michael Peter	Director	2010-08-02	2019-12-20
SMITH, Anthony Arthur James Bannard	Director	2008-04-02	2009-06-23
MOSAIC PRIVATE EQUITY LIMITED	Corporate Director	2008-04-02	2019-12-20

Ownership

Persons with significant control

Name	Kind	Nature of control	Notified	Status
Cbpe Capital Ix Gp Llp	Corporate entity	Shares 50–75%, ownership-of-shares-50-to-75-percent-as-firm	2019-12-20	Ceased 2024-05-08
Cbpe Capital Llp	Corporate entity	Voting 50–75%, voting-rights-50-to-75-percent-as-firm, Appoints directors, right-to-appoint-and-remove-directors-as-firm, significant-influence-or-control-as-firm	2019-12-20	Ceased 2024-05-08
Mr Paul Henry Hogarth	Individual	Shares 25–50%, Voting 25–50%, right-to-appoint-and-remove-directors-as-firm, significant-influence-or-control-as-firm	2016-04-06	Ceased 2019-12-20

Filing timeline

Last 20 of 219 total filings

Date	Type	Category	Description
2025-11-17	CS01	confirmation-statement	Confirmation statement with no updates	PDF
2025-10-04	AAMD	accounts	Accounts amended with accounts type group
2025-09-05	AA	accounts	Accounts with accounts type group
2025-06-09	MR01	mortgage	Mortgage create with deed with charge number charge creation date	PDF
2025-03-05	CH01	officers	Change person director company with change date	PDF
2024-12-18	CS01	confirmation-statement	Confirmation statement with no updates	PDF
2024-10-07	MR01	mortgage	Mortgage create with deed with charge number charge creation date	PDF
2024-09-16	MR04	mortgage	Mortgage satisfy charge full	PDF
2024-09-16	MR04	mortgage	Mortgage satisfy charge full	PDF
2024-09-16	MR01	mortgage	Mortgage create with deed with charge number charge creation date	PDF
2024-09-04	AP01	officers	Appoint person director company with name date	PDF
2024-09-04	MR04	mortgage	Mortgage satisfy charge full	PDF
2024-09-04	MR04	mortgage	Mortgage satisfy charge full	PDF
2024-09-04	MR04	mortgage	Mortgage satisfy charge full	PDF
2024-09-03	AA	accounts	Accounts with accounts type group
2024-07-26	PSC08	persons-with-significant-control	Notification of a person with significant control statement	PDF
2024-07-26	PSC07	persons-with-significant-control	Cessation of a person with significant control	PDF
2024-07-26	PSC07	persons-with-significant-control	Cessation of a person with significant control	PDF
2023-12-21	CS01	confirmation-statement	Confirmation statement with no updates	PDF
2023-12-21	CH01	officers	Change person director company with change date	PDF

Public-record activity

Raw counts from Companies House — last 12–24 months

Filings: 4
Capital events: 0
Officers appointed: 0
Officers resigned: 0

Direct counts from the register. No score, no rating — see the Filing timeline for the underlying events.

Year-on-year

Latest filed period vs the prior one

No year-on-year comparison available — needs at least two filed periods with shared line items.

Official Companies House page