PIVOTAL FINANCIAL LIMITED
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Next accounts due
2026-09-30 (in 4mo)
Last filed for 2024-12-31
Confirmation statement due
2026-08-15 (in 3mo)
Last made up 2025-08-01
Watchouts
None on the register
Name history
Renamed 2 times since incorporation — the current trading name was adopted 2026-04-27
- PIVOTAL FINANCIAL LIMITED 2026-04-27 → present
- JOHN CHARCOL LIMITED 2015-03-23 → 2026-04-27
- ENSCO 1086 LIMITED 2014-08-01 → 2015-03-23
Accounts
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Standalone (parent only)
- Auditor
- Bishop Fleming Audit Limited
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“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 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
- PIVOTAL FINANCIAL LIMITED · parent
- John Charcol Mortgages Limited
- SFG Group Limited
Significant events
- “On 4th April 2024, the Group announced the sale of John Charcol Group Limited and subsidiaries to Pivotal Growth Limited for total consideration of £2,276,000. The loan notes of £750,000 and £164,000 of accrued interest were paid on acquisition. The remaining consideration was settled with £1,000,000 of shares in Mottram TopCo Limited, and £362,000 of cash. The remaining interest on the loan notes of £132,000 was waived.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
4 active · 23 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| GIBSON, Jeremy Paul | Director | 2024-04-04 | May 1973 | British |
| PRAKASH, Mayank | Director | 2025-10-21 | Jan 1973 | British |
| WALKLIN-KNIGHT, Lisa Zina | Director | 2024-04-04 | Jul 1979 | British |
| WALLIS, Christopher | Director | 2024-04-04 | Apr 1967 | British |
Show 23 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| GATELEY SECRETARIES LIMITED | Corporate Secretary | 2014-08-01 | 2014-11-11 |
| AVRILI, Walter Anthony | Director | 2015-03-04 | 2018-08-01 |
| CURRAN, Andy | Director | 2015-08-19 | 2017-06-30 |
| DARBY, Ian Stuart | Director | 2015-03-04 | 2019-04-23 |
| DICKIN, Anthony John | Director | 2014-11-11 | 2018-10-31 |
| EMBLEY, Simon David | Director | 2024-04-04 | 2025-10-21 |
| FLEET, Mark Russell | Director | 2017-09-20 | 2019-04-23 |
| KNIGHT, Simon Timothy Talbot | Director | 2015-03-04 | 2017-06-30 |
| LARKIN, Benjamin Daniel | Director | 2016-09-23 | 2017-08-10 |
| MERRY, Jonathan David | Director | 2016-04-01 | 2016-09-23 |
| MISSON, Keith | Director | 2015-06-01 | 2016-09-23 |
| MUNN, Neil Andrew | Director | 2015-05-19 | 2016-03-31 |
| PEARSON, Andrew Phillip | Director | 2019-04-23 | 2024-04-04 |
| SMITH, Jeremy John | Director | 2015-03-04 | 2016-06-10 |
| SMITH, Neil Graeme | Director | 2015-03-04 | 2015-05-22 |
| SOMERSET, Luke | Director | 2017-10-19 | 2021-04-15 |
| STRICKLAND, Andy | Director | 2014-11-11 | 2024-04-04 |
| WARD, Michael James | Director | 2014-08-01 | 2014-11-11 |
| WILLIAMS, Peter | Director | 2016-09-23 | 2017-08-10 |
| WINKS, Nicholas Paul David | Director | 2019-04-23 | 2024-04-04 |
| WOODALL, Mark James | Director | 2016-09-23 | 2019-04-23 |
| YOUNG, Alan James | Director | 2017-10-19 | 2018-06-25 |
| GATELEY INCORPORATIONS LIMITED | Corporate Director | 2014-08-01 | 2014-11-12 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| John Charcol Group Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Active |
Filing timeline
Last 20 of 101 total filings
Material constitutional events — rename, articles re-file, resolution
- 2026-04-27 CERTNM Certificate change of name company PDF
- 2026-01-08 RESOLUTIONS Resolution
- 2026-01-08 MA Memorandum articles
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-04-27 | CERTNM | change-of-name | Certificate change of name company | |
| 2026-03-30 | AD01 | address | Change registered office address company with date old address new address | |
| 2026-01-08 | RESOLUTIONS | resolution | Resolution | |
| 2026-01-08 | MA | incorporation | Memorandum articles | |
| 2026-01-02 | SH01 | capital | Capital allotment shares | |
| 2025-12-22 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2025-10-21 | AP01 | officers | Appoint person director company with name date | |
| 2025-10-21 | TM01 | officers | Termination director company with name termination date | |
| 2025-10-06 | AA | accounts | Accounts with accounts type full | |
| 2025-08-07 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-09-30 | AA01 | accounts | Change account reference date company current shortened | |
| 2024-09-27 | AA | accounts | Accounts with accounts type full | |
| 2024-08-01 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-05-15 | AD01 | address | Change registered office address company with date old address new address | |
| 2024-04-22 | AP01 | officers | Appoint person director company with name date | |
| 2024-04-22 | AP01 | officers | Appoint person director company with name date | |
| 2024-04-15 | AP01 | officers | Appoint person director company with name date | |
| 2024-04-15 | AP01 | officers | Appoint person director company with name date | |
| 2024-04-15 | TM01 | officers | Termination director company with name termination date | |
| 2024-04-15 | TM01 | officers | Termination director company with name termination date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 10
- Capital events
- 1
- Officers appointed
- 1
- Officers resigned
- 1
last 12 months
last 24 months
last 12 months
last 12 months
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