Website & contact details
- Website
Brighter Lending Limited
- Incorporated
- 7 June 2019 (7 years)
- Previously known as
- Refresh Financial Advisers Limited (until 14 August 2019)This list may be incomplete. See all names on Companies House
- Industry
- Activities auxiliary to financial intermediation n.e.c. (66190)
- Owned by
- John William Hughes
- Accounts type
- Micro entity
- Region
- North West
- Address
- C/o Ashurst Accountancy 17 Duke StreetFormbyLiverpoolL37 4AN
Filing status
- Accounts due
- 31 July 2027
- Last accounts
- 31 October 2025
- Conf. stmt due
- 1 July 2027
- Last conf. stmt
- 17 June 2026
Officers
This list may be incomplete. See all officers on Companies House
Officer details are public data from the Companies House register.
Director · Appointed 7 May 2020
Also at JWH Capital One Limited, Brighter Mortgages Limited (proposed for strike-off) · more companies
English
Born May 1981 (45)
Ownership 1 active
People and entities with significant control, from the Companies House PSC register
English
Born May 1981 (45)
Holdings 1
Companies where Brighter Lending Limited is registered as a person with significant control
Owns 75–100% of shares
Dissolved
Former controllers (3)
31 August 2025
Ceased Emma Mcconlough — Has significant influence or control
31 July 2022
Ceased Paul Woodworth — Has significant influence or control
7 May 2020
Ceased Refresh Finance Group Limited — Owns 75–100% of shares
Financials
Balance sheet as at 31 October 2025 · micro entity accounts
- Net Assets
- (£2,212,067)
- Employees
- 3
- Debt Ratio
- 266%
- Current Ratio
- 2.6x
Trend
Net Assets
Balance sheet detail
| 2025 | 2023 | 2022 | 2021 | 2020 | |
|---|---|---|---|---|---|
| Fixed Assets | £77,966 | £104,732 | £112,269 | £126,000 | |
| Current Assets | £1,253,311 | £1,446,181 | £333,818 | £0 | |
| Creditors (< 1 year) | £488,051 | £1,052,077 | £276,331 | £188,580 | |
| Creditors (> 1 year) | £3,055,293 | £1,790,071 | £830,971 | ||
| Net Current Assets | £765,260 | £394,104 | £57,487 | (£188,580) | |
| Net Assets | (£2,212,067) | (£1,291,235) | (£661,215) | (£62,580) | £100 |
| Shareholder Funds | (£2,212,067) | (£1,291,235) | (£661,215) | (£62,580) | £100 |
What Brighter Lending say about themselves
“Personal loans in the UK up to £5000. Get a personalised quote with no impact to your credit score. We make use of the Open Banking process to assess your income and expenditure to ensure that the loan we provide is affordable to you”
Filings
Recent filings only. See the full history on Companies House
| Date | Description | Made Up To | Pages | |
|---|---|---|---|---|
| 15 July 2026 | Micro company accounts | 31 October 2025 | ||
| 8 July 2026 | Confirmation statement with no updates | 17 June 2026 | ||
| 31 August 2025 | Cessation of a person with significant control | |||
| 31 August 2025 | Termination of appointment of a director | |||
| 16 July 2025 | Micro company accounts | 31 October 2024 |
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