Website & contact details
- Website
Pharon Independent Financial Advisers Limited
- Incorporated
- 2 April 1973 (53 years)
- Previously known as
- Pharon Insurance Brokers (Life and Pensions) Limited (until 31 January 2001)Pharos Insurance Brokers (Life & Pensions) Limited (until 5 January 1990)
- Industry
- Life insurance (65110)
- Owned by
- Accounts type
- Full
- Region
- South East
- Address
- Lawrence House Summer HillHarbledownCanterburyCT2 8GT
Filing status
- Accounts due
- 30 September 2027
- Last accounts
- 31 December 2025
- Conf. stmt due
- 26 January 2027
- Last conf. stmt
- 12 January 2026
Officers 6 active
Officer details are public data from the Companies House register.
British
Born November 1977
Director · Appointed 21 April 2026
British
Born April 1974 (52)
Director · Appointed 24 November 2025
British
Born July 1985 (41)
Director · Appointed 4 February 2020
British
Born September 1983 (43)
Director · Appointed 18 February 2003
British
Born May 1973 (53)
Director · Appointed 18 February 2003
Also at Chartered Financial Advice Ltd (proposed for strike-off), Lawrence House Nominees Limited
British
Born May 1971 (55)
Officer history (14 former)
31 July 2026
7 July 2026
21 April 2026
7 April 2026
24 November 2025
Resigned Cragg, Robert James as Secretary
24 November 2025
24 November 2025
30 August 2021
4 February 2020
2 April 2019
Appointed Cragg, Robert James as Secretary
2 April 2019
Resigned Rule, Elizabeth Evelyn Jane as Secretary
24 October 2018
3 September 2010
3 September 2010
Appointed Rule, Elizabeth Evelyn Jane as Secretary
3 September 2010
26 April 2010
Resigned Curtiss, Peter Charles as Director
27 February 2009
27 February 2009
18 July 2005
11 July 2003
11 July 2003
18 February 2003
18 February 2003
12 September 2002
1 January 2002
31 December 2001
12 June 2000
Resigned Durham, David as Director
5 January 1999
Appointed Durham, David as Director
22 April 1994
1 December 1992
Appointed Curtiss, Peter Charles as Director
Ownership 1 active
People and entities with significant control, from the Companies House PSC register
Corporate entity · Notified 24 November 2025
Owns 75–100% of shares
Holds 75–100% of voting rights
Right to appoint and remove directors
Private Limited Company
Reg. no. 13077997
Holdings 1
Companies where Pharon Independent Financial Advisers Limited is registered as a person with significant control
Owns 75–100% of shares
Active
Former controllers (4)
24 November 2025
24 November 2025
7 August 2023
Ceased Claire Naomi O'Shea — Owns 25–50% of shares
30 August 2021
Group structure 12 shown
Ownership group derived from the Companies House PSC register
Copia Capital Management Limited Owns 75–100% of shares
Craven Street Capital Holdings Limited Owns 75–100% of shares
Craven Street Wealth Limited Owns 50–75% of shares
Chaucer Newco Limited Owns 75–100% of shares
Christchurch Investment Management Limited Owns 75–100% of shares
Pharon Independent Financial Advisers Limited This company Owns 75–100% of shares
Novia Financial PLC Owns 75–100% of shares
Novia (Gross) Nominee Limited Owns 75–100% of shares
Novia (Isa) Nominee Limited Owns 75–100% of shares
Novia (Net) Nominee Limited Owns 75–100% of shares
Novia Financial Services Ltd. Owns 75–100% of shares
Financials
Figures from 2024 accounts. Newer accounts, made up to 31 December 2025, are filed but not read yet. See them on Companies House
- Net Assets
- £4,764,397
- Cash
- £4,094,226
- Turnover
- £5,955,004
- Profit Before Tax
- £2,481,483
- Employees
- 37
- Debt Ratio
- 13%
- Current Ratio
- 7.6x
- Profit Margin
- 42%
- Return on Equity
- 39%
Trend
Turnover
Balance sheet detail
| 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|
| Fixed Assets | £6,171 | £17,488 | £24,581 | £25,448 |
| Current Assets | £5,483,732 | £3,584,701 | £3,505,574 | £3,730,185 |
| Cash | £4,094,226 | £1,291,279 | £2,234,258 | £2,401,312 |
| Creditors (< 1 year) | £723,506 | £751,275 | £424,915 | £557,888 |
| Net Current Assets | £4,760,226 | £2,833,426 | £3,080,659 | £3,172,297 |
| Net Assets | £4,764,397 | £2,850,914 | £3,101,184 | £3,138,876 |
| Shareholder Funds | £4,764,397 | £2,850,914 | £3,101,184 | £3,138,876 |
| Turnover | £5,955,004 | £5,155,164 | £5,340,632 | £5,083,350 |
| Cost of Sales | £3,123,024 | £3,372,846 | £2,374,304 | £2,235,667 |
| Gross Profit | £2,831,980 | £1,782,318 | £2,966,328 | £2,847,683 |
| Admin Expenses | £552,669 | £458,399 | £424,116 | £430,385 |
| Staff Costs | £2,820,207 | £3,008,158 | £2,033,123 | £1,909,731 |
| Operating Profit | £2,275,855 | £1,352,859 | £2,473,251 | £2,504,440 |
| Profit Before Tax | £2,481,483 | £1,442,675 | £2,482,158 | £2,647,973 |
| Tax | £609,120 | £350,402 | £446,060 | £510,788 |
| Profit for Period | £1,872,363 | £1,092,273 | £2,036,098 | £2,137,185 |
Filings 189
| Date | Description | Made Up To | Pages | |
|---|---|---|---|---|
| 25 September 2026 | Full accounts | 31 December 2025 | ||
| 31 July 2026 | Termination of appointment of a director | 1 | ||
| 8 July 2026 | Appointment of a director | 2 | ||
| 25 June 2026 | Appointment of a director | 2 | ||
| 4 May 2026 | Change of details for a person with significant control | 2 |
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