Perspective (south West) Limited

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perspective (south west) limited Company Information

Company Number

03053936

Next Accounts

Sep 2025

Directors

David Hesketh

Julie Hepworth

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Shareholders

pfm group limited

Group Structure

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Industry

Other financial service activities, except insurance and pension funding, (not including security dealing on own account and factoring) n.e.c.

Registered Address

lancaster house, ackhurst business park, chorley, PR7 1NY

Website

http://pfgl.co.uk

perspective (south west) limited Estimated Valuation

£3.7m

Pomanda estimates the enterprise value of PERSPECTIVE (SOUTH WEST) LIMITED at £3.7m based on Net Assets of £2.9m and 1.31x industry multiple (adjusted for liquidity).

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Perspective (south West) Limited is a live company located in chorley, PR7 1NY with a Companies House number of 03053936. It operates in the financial intermediation not elsewhere classified sector, SIC Code 64999. Founded in May 1995, it's largest shareholder is pfm group limited with a 100% stake. Perspective (south West) Limited is a mature, small sized company, Pomanda has estimated its turnover at £1.2m with high growth in recent years.

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Pomanda's financial health check has awarded Perspective (South West) Limited a 4.5 rating. We use a traffic light system to show it exceeds the industry average on 4 measures and has 5 areas for improvement. Company Health Check FAQs

Health Rating4.5out of 5

4 Strong

2 Regular

5 Weak

Size

annual sales of £1.2m, make it smaller than the average company (£5.6m)

Growth

3 year (CAGR) sales growth of 16%, show it is growing at a faster rate (4.9%)

EXPORT

Perspective (South West) Limited's latest turnover from December 2023 is estimated at £1.2 million and the company has net assets of £2.9 million. According to their latest financial statements, Perspective (South West) Limited has 15 employees and maintains cash reserves of £286.2 thousand as reported in the balance sheet.

Data source: Companies House, Pomanda Estimates

	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Dec 2014	Dec 2013	Dec 2012	Dec 2011	Jun 2010
Turnover	1,223,069	1,064,535	802,096	778,488	738,915	767,215	329,874	390,594	157,691	266,455	297,288	2,085,372	2,373,692	290,208
Other Income Or Grants
Cost Of Sales	1,056,637	897,475	671,992	645,610	613,103	634,646	266,968	295,979	108,987	191,727	216,528	1,536,824	1,793,652	219,391
Gross Profit	166,432	167,060	130,105	132,878	125,812	132,569	62,906	94,615	48,703	74,728	80,760	548,548	580,040	70,817
Admin Expenses	-713,304	135,578	-286,014	-82,667	92,124	-62,301	-173,360	-27,377	2,049	148,608	193,816	473,680	-77,307	-107,855
Operating Profit	879,736	31,482	416,119	215,545	33,688	194,870	236,266	121,992	46,654	-73,880	-113,056	74,868	657,347	178,672
Interest Payable
Interest Receivable	12,796	7,240	366	52	222	549	322	22	15	25	141	143	198	186
Pre-Tax Profit	892,532	38,722	416,485	215,598	33,910	195,419	236,588	122,014	46,669	-73,855	-112,915	75,011	657,545	178,858
Tax	-223,133	-7,357	-79,132	-40,964	-6,443	-37,130	-44,952	-24,403	-9,334			-18,003	-170,962	-50,080
Profit After Tax	669,399	31,365	337,353	174,634	27,467	158,289	191,636	97,611	37,335	-73,855	-112,915	57,008	486,583	128,778
Dividends Paid
Retained Profit	669,399	31,365	337,353	174,634	27,467	158,289	191,636	97,611	37,335	-73,855	-112,915	57,008	486,583	128,778
Employee Costs	1,242,948	1,110,129	849,008	820,602	811,237	940,142	68,770	66,145	64,143	61,745	62,941	300,147	363,735	55,772
Number Of Employees	15	14	11	11	11	13	1	1	1	1	1	5	6	1
EBITDA*	1,002,842	199,553	558,438	302,744	81,593	227,537	265,537	151,270	155,896	71,651	26,402	140,808	673,668	194,267

* Earnings Before Interest, Tax, Depreciation and Amortisation

	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Dec 2014	Dec 2013	Dec 2012	Dec 2011	Jun 2010
Tangible Assets	26,182	31,276	33,377	28,264	29,804	34,960	34,002	8,244	3,144	11,088	10,309	6,936	5,103	285,507
Intangible Assets	1,795,496	1,936,746	2,297,437	1,655,055	619,285	67,259	94,162	121,065	147,969	247,806	384,111	520,416	255,581
Investments & Other
Debtors (Due After 1 year)							600	1,600	1,300	1,300	746,838
Total Fixed Assets	1,821,678	1,968,022	2,330,814	1,683,319	649,089	102,219	128,764	130,909	152,413	260,194	1,141,258	527,352	260,684	285,507
Stock & work in progress
Trade Debtors	300,671	257,652	203,238	192,225	160,242	115,915	117,165	147,534	64,023	111,824	125,496	849,667	1,002,381	105,513
Group Debtors	510,906			4,226	829,659	1,450,433	1,174,275	983,136	973,660	832,640
Misc Debtors	54,664	39,890	43,591	37,592	31,402	29,193	20,830	52,859	51,264	21,469
Cash	286,228	201,254	212,455	80,380	24,248	34,951	111,321	17,426	98	5,939	3,874	52,621	4,586	74,481
misc current assets														8,680
total current assets	1,152,469	498,796	459,284	314,423	1,045,551	1,630,492	1,423,591	1,200,955	1,089,045	971,872	129,370	902,288	1,006,967	188,674
total assets	2,974,147	2,466,818	2,790,098	1,997,742	1,694,640	1,732,711	1,552,355	1,331,864	1,241,458	1,232,066	1,270,628	1,429,640	1,267,651	474,181
Bank overdraft									6
Bank loan
Trade Creditors	15,348	37,014	23,778	15,033	9,506	8,258	12,624	18,020	14,893	6,971	58,768	104,865	280,864	131,703
Group/Directors Accounts		106,327	565,980	106,384
other short term finances
hp & lease commitments
other current liabilities	95,705	129,782	38,010	51,348	34,791	101,577	75,144	40,893	51,219	87,090
total current liabilities	111,053	273,123	627,768	172,765	44,297	109,835	87,768	58,913	66,118	94,061	58,768	104,865	280,864	131,703
loans
hp & lease commitments
Accruals and Deferred Income
other liabilities													5,000	98,817
provisions													42,225	12,743
total long term liabilities													47,225	111,560
total liabilities	111,053	273,123	627,768	172,765	44,297	109,835	87,768	58,913	66,118	94,061	58,768	104,865	328,089	243,263
net assets	2,863,094	2,193,695	2,162,330	1,824,977	1,650,343	1,622,876	1,464,587	1,272,951	1,175,340	1,138,005	1,211,860	1,324,775	939,562	230,918
total shareholders funds	2,863,094	2,193,695	2,162,330	1,824,977	1,650,343	1,622,876	1,464,587	1,272,951	1,175,340	1,138,005	1,211,860	1,324,775	939,562	230,918

	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Dec 2014	Dec 2013	Dec 2012	Dec 2011	Jun 2010
Operating Activities
Operating Profit	879,736	31,482	416,119	215,545	33,688	194,870	236,266	121,992	46,654	-73,880	-113,056	74,868	657,347	178,672
Depreciation	7,223	9,509	7,317	5,325	6,157	5,764	2,368	2,375	9,405	9,226	3,153	2,569	2,869	15,595
Amortisation	115,883	158,562	135,002	81,874	41,748	26,903	26,903	26,903	99,837	136,305	136,305	63,371	13,452
Tax	-223,133	-7,357	-79,132	-40,964	-6,443	-37,130	-44,952	-24,403	-9,334			-18,003	-170,962	-50,080
Stock
Debtors	568,699	50,713	12,786	-787,260	-574,238	282,671	127,741	94,882	123,014	94,899	22,667	-152,714	896,868	105,513
Creditors	-21,666	13,236	8,745	5,527	1,248	-4,366	-5,396	3,127	7,922	-51,797	-46,097	-175,999	149,161	131,703
Accruals and Deferred Income	-34,077	91,772	-13,338	16,557	-66,786	26,433	34,251	-10,326	-35,871	87,090
Deferred Taxes & Provisions												-42,225	29,482	12,743
Cash flow from operations	155,267	246,491	461,927	1,071,124	583,850	-70,197	121,699	24,786	-4,401	12,045	-42,362	57,295	-215,519	183,120
Investing Activities
capital expenditure	23,238	194,721	-789,814	-1,121,429	-594,775	-6,722	-28,126	-7,474	-1,461	-10,005	-6,526	-332,608	8,502	-301,102
Change in Investments
cash flow from investments	23,238	194,721	-789,814	-1,121,429	-594,775	-6,722	-28,126	-7,474	-1,461	-10,005	-6,526	-332,608	8,502	-301,102
Financing Activities
Bank loans
Group/Directors Accounts	-106,327	-459,653	459,596	106,384
Other Short Term Loans
Long term loans
Hire Purchase and Lease Commitments
other long term liabilities												-5,000	-93,817	98,817
share issue												328,205	222,061	102,140
interest	12,796	7,240	366	52	222	549	322	22	15	25	141	143	198	186
cash flow from financing	-93,531	-452,413	459,962	106,436	222	549	322	22	15	25	141	323,348	128,442	201,143
cash and cash equivalents
cash	84,974	-11,201	132,075	56,132	-10,703	-76,370	93,895	17,328	-5,841	2,065	-48,747	48,035	-69,895	74,481
overdraft								-6	6
change in cash	84,974	-11,201	132,075	56,132	-10,703	-76,370	93,895	17,334	-5,847	2,065	-48,747	48,035	-69,895	74,481

Very Low Risk70 - 100

Low Risk50 - 70

Moderate Risk30 - 50

High Risk20 - 30

Very High Risk0 - 20

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PERSPECTIVE (SOUTH WEST) LIMITED group structure

Perspective (South West) Limited has 1 subsidiary company.

Ultimate parent company

SYMBOL BIDCO I LTD

#0129177

PFM GROUP LIMITED

05091707

2 parents

PERSPECTIVE (SOUTH WEST) LIMITED

03053936

1 subsidiary

ABBEY MEADS FINANCIAL LTD

03005688

PERSPECTIVE (SOUTH WEST) LIMITED Shareholders

pfm group limited

100%

Perspective (South West) Limited currently has 5 directors. The longest serving directors include Mr David Hesketh (Dec 2013) and Mrs Julie Hepworth (Dec 2013).

officer	country	age	start	end	role
Mr David Hesketh	England	43 years	Dec 2013	-	Director
Mrs Julie Hepworth	England	51 years	Dec 2013	-	Director
Mrs Julie Hepworth		51 years	Dec 2013	-	Director
Mr Ross Perry	England	51 years	Feb 2022	-	Director
Mr James Knights	England	44 years	Mar 2022	-	Director

P&L

December 2023

turnover

1.2m

+15%

operating profit

879.7k

gross margin

13.7%

-13.29%

turnover

Turnover, or revenue, is the amount of sales generated by a company within the financial year.

Balance Sheet

December 2023

net assets

2.9m

+0.31%

total assets

+0.21%

cash

286.2k

+0.42%

net assets

Total assets minus all liabilities

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company number

03053936

Type

Private limited with Share Capital

industry

64999 - Other financial service activities, except insurance and pension funding, (not including security dealing on own account and factoring) n.e.c.

incorporation date

May 1995

ultimate parent company

SYMBOL BIDCO I LTD

previous names

equilibrium wealth management limited (June 2018)

buick mitchell avery limited (May 2001)

address

lancaster house, ackhurst business park, chorley, PR7 1NY

A charge, or mortgage, refers to the rights a company gives to a lender in return for a loan, often in the form of security given over business assets.

We found 17 charges/mortgages relating to perspective (south west) limited. Currently there are 4 open charges and 13 have been satisfied in the past.

When a company issues new shares, e.g. to new investors following a funding round, it is required to notify Companies House within one month of making an allotment of shares.

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perspective (south west) limited Company Information

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perspective (south west) limited Estimated Valuation

perspective (south west) limited Estimated Valuation

Perspective (south West) Limited Overview

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PERSPECTIVE (SOUTH WEST) LIMITED financials

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perspective (south west) limited Companies House Filings - See Documents