Perspective (hnh) Limited

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perspective (hnh) limited Company Information

Company Number

06405614

Next Accounts

Sep 2025

Directors

Timothy Hutton

Mansel Hutton

View All

Shareholders

hnh financial services holdings limited

Group Structure

View All

Industry

Life insurance

Registered Address

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

Website

www.hnh.co.uk

perspective (hnh) limited Estimated Valuation

£4.2m

Pomanda estimates the enterprise value of PERSPECTIVE (HNH) LIMITED at £4.2m based on an EBITDA of £945.9k and a 4.47x industry multiple (adjusted for size and gross margin).

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Perspective (hnh) Limited is a live company located in chorley, PR7 1NY with a Companies House number of 06405614. It operates in the life insurance sector, SIC Code 65110. Founded in October 2007, it's largest shareholder is hnh financial services holdings limited with a 100% stake. Perspective (hnh) Limited is a established, micro sized company, Pomanda has estimated its turnover at £314.8k with rapid growth in recent years.

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Pomanda's financial health check has awarded Perspective (Hnh) Limited a 4 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

1 Regular

5 Weak

Size

annual sales of £499.9k, make it smaller than the average company (£1.2m)

Growth

3 year (CAGR) sales growth of 69%, show it is growing at a faster rate (6.5%)

EXPORT

Perspective (Hnh) Limited's latest turnover from December 2023 is estimated at £314.8 thousand and the company has net assets of £1.5 million. According to their latest financial statements, Perspective (Hnh) Limited has 8 employees and maintains cash reserves of £149.9 thousand as reported in the balance sheet.

Data source: Companies House, Pomanda Estimates

	Dec 2023	Feb 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016	Mar 2015	Mar 2014	Mar 2013	Mar 2012	Mar 2011	Mar 2010
Turnover	314,800	499,854	138,497	118,644	104,238	88,524	84,256	94,327	73,318	799,142	937,148	937,648	972,847	935,553	1,041,348
Other Income Or Grants
Cost Of Sales	139,952	218,645	60,911	58,750	51,798	42,197	36,883	37,519	27,896	247,399	314,718	322,466	317,286	334,505	496,199
Gross Profit	174,848	281,209	77,586	59,894	52,440	46,327	47,373	56,808	45,422	551,743	622,429	615,183	655,561	601,048	545,149
Admin Expenses	-765,204	211,777	104,102	135,900	-146,661	69,064	71,413	-56,986	219,316	552,402	502,868	576,608	614,488	557,159	381,623
Operating Profit	940,052	69,432	-26,516	-76,006	199,101	-22,737	-24,040	113,794	-173,894	-659	119,561	38,575	41,073	43,889	163,526
Interest Payable
Interest Receivable	9,398	6,478	1,993	360	273	1,073	714	290	945	1,450	1,069	629	493	358	138
Pre-Tax Profit	949,451	75,910	-24,523	-75,646	199,374	-21,664	-23,326	114,084	-172,949	791	120,630	39,204	41,566	44,247	163,664
Tax	-237,363	-14,423			-37,881			-22,817		-166	-27,745	-9,409	-10,807	-12,389	-45,826
Profit After Tax	712,088	61,487	-24,523	-75,646	161,493	-21,664	-23,326	91,267	-172,949	625	92,885	29,795	30,759	31,858	117,838
Dividends Paid
Retained Profit	712,088	61,487	-24,523	-75,646	161,493	-21,664	-23,326	91,267	-172,949	625	92,885	29,795	30,759	31,858	117,838
Employee Costs	489,400	511,152	505,517	404,104	354,421	307,333	246,558	229,615	43,531	223,676	229,694	241,939	232,484	234,661	216,500
Number Of Employees	8	9	9	8	7	6	5	5	1	5	5	6	6	6	5
EBITDA*	945,861	80,145	-15,298	-70,451	205,030	-18,023	-21,903	130,126	-156,754	17,059	137,426	55,346	45,482	43,889	164,624

* Earnings Before Interest, Tax, Depreciation and Amortisation

	Dec 2023	Feb 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016	Mar 2015	Mar 2014	Mar 2013	Mar 2012	Mar 2011	Mar 2010
Tangible Assets	32,873	35,494	39,011	4,999	9,179	8,704	3,092	2,833	17,242	33,683	48,426	34,154	48,038	7,231	1,575
Intangible Assets
Investments & Other
Debtors (Due After 1 year)
Total Fixed Assets	32,873	35,494	39,011	4,999	9,179	8,704	3,092	2,833	17,242	33,683	48,426	34,154	48,038	7,231	1,575
Stock & work in progress
Trade Debtors	206,083		40,849	34,877	30,636	29,192	36,153	46,835	57,365	597,619	594,409	595,020	593,456	584,854	583,843
Group Debtors	1,703,949	650,000	657,000	601,500	601,500	608,000	612,000	619,000	570,000
Misc Debtors	19,213	196,536	14,656	16,089	2,273	5,179	8,377	5,714	3,787
Cash	149,945	115,800	208,085	323,430	395,757	149,532	136,633	148,942	83,159	294,991	285,027	142,679	108,951	88,228	55,126
misc current assets
total current assets	2,079,190	962,336	920,590	975,896	1,030,166	791,903	793,163	820,491	714,311	892,610	879,436	737,699	702,407	673,082	638,969
total assets	2,112,063	997,830	959,601	980,895	1,039,345	800,607	796,255	823,324	731,553	926,293	927,862	771,853	750,445	680,313	640,544
Bank overdraft
Bank loan
Trade Creditors	7,902	4,851	4,412	8,727	6,651	6,448	3,791	12,787	10,151	152,130	174,727	111,603	119,222	79,171	72,375
Group/Directors Accounts			354	354	354	354	354	354	354
other short term finances
hp & lease commitments								7,517	12,886
other current liabilities	597,497	135,232	159,967	158,879	143,100	166,288	143,358	130,588	119,834
total current liabilities	605,399	140,083	164,733	167,960	150,105	173,090	147,503	151,246	143,225	152,130	174,727	111,603	119,222	79,171	72,375
loans
hp & lease commitments									7,517
Accruals and Deferred Income
other liabilities										20,403
provisions	6,164	7,848	6,456		659	429							768	1,446
total long term liabilities	6,164	7,848	6,456		659	429			7,517	20,403			768	1,446	331
total liabilities	611,563	147,931	171,189	167,960	150,764	173,519	147,503	151,246	150,742	172,533	174,727	111,603	119,990	80,617	72,706
net assets	1,500,500	849,899	788,412	812,935	888,581	627,088	648,752	672,078	580,811	753,760	753,135	660,250	630,455	599,696	567,838
total shareholders funds	1,500,500	849,899	788,412	812,935	888,581	627,088	648,752	672,078	580,811	753,760	753,135	660,250	630,455	599,696	567,838

	Dec 2023	Feb 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016	Mar 2015	Mar 2014	Mar 2013	Mar 2012	Mar 2011	Mar 2010
Operating Activities
Operating Profit	940,052	69,432	-26,516	-76,006	199,101	-22,737	-24,040	113,794	-173,894	-659	119,561	38,575	41,073	43,889	163,526
Depreciation	5,809	10,713	11,218	5,555	5,929	4,714	2,137	16,332	17,140	17,718	17,865	16,771	4,409		1,098
Amortisation
Tax	-237,363	-14,423			-37,881			-22,817		-166	-27,745	-9,409	-10,807	-12,389	-45,826
Stock
Debtors	1,216,740	134,031	60,039	18,057	-7,962	-14,159	-15,019	40,397	33,533	3,210	-611	1,564	8,602	1,011	583,843
Creditors	3,490	439	-4,315	2,076	203	2,657	-8,996	2,636	-141,979	-22,597	63,124	-7,619	40,051	6,796	72,375
Accruals and Deferred Income	437,530	-24,735	1,088	15,779	-23,188	22,930	12,770	10,754	119,834
Deferred Taxes & Provisions	-292	1,392	6,456	-659	230	429						-768	-678	1,446
Cash flow from operations	-67,514	-91,213	-72,108	-71,312	152,356	22,152	-3,110	80,302	-212,432	-8,914	173,416	35,986	65,446	38,731	-392,670
Investing Activities
capital expenditure	329	-7,196	-45,230	-1,375	-6,404	-10,326	-2,396	-1,923	-699	-2,975	-32,137	-2,887	-45,216	-5,656	-2,673
Change in Investments
cash flow from investments	329	-7,196	-45,230	-1,375	-6,404	-10,326	-2,396	-1,923	-699	-2,975	-32,137	-2,887	-45,216	-5,656	-2,673
Financing Activities
Bank loans
Group/Directors Accounts	-354	-354							354
Other Short Term Loans
Long term loans
Hire Purchase and Lease Commitments							-7,517	-12,886	20,403
other long term liabilities									-20,403	20,403
share issue					100,000										450,000
interest	9,398	6,478	1,993	360	273	1,073	714	290	945	1,450	1,069	629	493	358	138
cash flow from financing	9,044	6,124	1,993	360	100,273	1,073	-6,803	-12,596	1,299	21,853	1,069	629	493	358	450,138
cash and cash equivalents
cash	-58,140	-92,285	-115,345	-72,327	246,225	12,899	-12,309	65,783	-211,832	9,964	142,348	33,728	20,723	33,102	55,126
overdraft
change in cash	-58,140	-92,285	-115,345	-72,327	246,225	12,899	-12,309	65,783	-211,832	9,964	142,348	33,728	20,723	33,102	55,126

Very Low Risk70 - 100

Low Risk50 - 70

Moderate Risk30 - 50

High Risk20 - 30

Very High Risk0 - 20

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PERSPECTIVE (HNH) LIMITED group structure

Perspective (Hnh) Limited has no subsidiary companies.

Ultimate parent company

HNH FINANCIAL SERVICES HOLDINGS LIMITED

06761506

1 parent

PERSPECTIVE (HNH) LIMITED

06405614

PERSPECTIVE (HNH) LIMITED Shareholders

hnh financial services holdings limited

100%

Perspective (Hnh) Limited currently has 3 directors. The longest serving directors include Mr Timothy Hutton (Oct 2007) and Mr Mansel Hutton (Oct 2007).

officer	country	age	start	end	role
Mr Timothy Hutton	United Kingdom	49 years	Oct 2007	-	Director
Mr Mansel Hutton	United Kingdom	50 years	Oct 2007	-	Director
Mr David Hesketh	England	43 years	Mar 2023	-	Director

P&L

December 2023

turnover

314.8k

+127%

operating profit

940.1k

gross margin

55.6%

-0.85%

turnover

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

Balance Sheet

December 2023

net assets

1.5m

+0.9%

total assets

2.1m

+1.2%

cash

149.9k

-0.28%

net assets

Total assets minus all liabilities

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company number

06405614

Type

Private limited with Share Capital

industry

65110 - Life insurance

incorporation date

October 2007

ultimate parent company

HNH FINANCIAL SERVICES HOLDINGS LIMITED

previous names

hnh financial services limited (March 2023)

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.

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perspective (hnh) limited Company Information

perspective (hnh) limited Estimated Valuation

perspective (hnh) limited Estimated Valuation

perspective (hnh) limited Estimated Valuation

Perspective (hnh) Limited Overview

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PERSPECTIVE (HNH) LIMITED financials

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