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Together Personal Finance Limited
ActiveLiveTogether Personal Finance Limited is an active private limited company incorporated on 22 May 1991 (35 years ago), with its registered office in Cheadle, North West. The company operates in Financial services.
The score, the reasons behind it, and what to do next.
Opportunity scoreOpportunity scoreHow good a fit this company is for what you sell, from 0 to 100. It adds up the signals listed beside it, each weighted by how much it matters to your type of business.CompaniesIQ lens modelConfidence highConfidenceHow much of the score rests on measured data. Below high means at least one signal is not public, so its weight was left out and the score rests on the rest.Share of model weight measured · 100%
72out of 100
Strong commercial fit
Active, reachable and in a growing market
LowModerateStrong
Score bandsLow is under 34, Moderate 34–66, Strong 67 and above. Signals we couldn't check are left out of the maths, not counted as zero.
Weakest point · what to do about it
Reachability · 20% weight
A registered office is on file; phone and web are checked on Pro.
→ Check: search the name and town before you call.
What we checked · weightSelect a row for why
Financial services formations up 7.4% a year nationally.
→ Ask: is trade up for them this year?
3 filings in the last 12 months; status active.
→ Ask: are they still actively trading from this address?
A registered office is on file; phone and web are checked on Pro.
→ Check: search the name and town before you call.
46,030 comparable companies in North West.
→ Ask: what makes customers choose them over rivals nearby?
Incorporated 35 yrs ago; scored against an 8-year maturity curve.
→ Ask: how long has the current owner run it?
Companies House · ONS · Nomis · General opportunity model · 100% of the model measurable
Filed accounts · enrichment
Financials
full accounts
No machine-readable accounts to parse yet. New companies often haven’t filed, and some file PDF-only or dormant accounts.
Company briefFor General opportunity
A long-standing financial services business in North West, in a market growing 7.4% a year and growing faster here than nationally. Every signal in the model was measurable for this company.
01
Market opportunity
Sector up 7.4% nationally, +7.5% in North West — a regional tailwind.
02
Reachability
A registered office is on file; phone and web are checked on Pro.
03
Competitive risk
46,030 comparable companies in North West; five-year survival across the sector is 47.2%.
Interpretation, not advice
Key factsRegister & sector
Industry growthIndustry growthYearly change in the number of companies being formed in this sector across the UK. The North West rate is on the Market tab.Companies House · ONS+7.4%More demand each year
Annual filingAnnual filingThe confirmation statement — a yearly form confirming the company's details. Missing it is the most common reason companies get struck off.Companies House filing historyCurrentUp to date with Companies House
Company ageCompany ageTime since the company was registered. Across most sectors, survival odds improve sharply once a business is past its first five years.Companies House35 yrsPast the riskiest first five years
Local competitionLocal competitionHow many similar companies are registered in this region compared with elsewhere. Very high means a crowded local market.Companies House · ONSVery highMany rivals nearby
How it compares · against 46,030 similar companiesEach box is an index, 0–100 · select one
FinancialAn index from 0 to 100, not a measurement. Higher is healthier. Built from whether accounts are on file.
GrowthAn index from 0 to 100. Higher means the sector is forming new companies faster.
MarketAn index from 0 to 100. Higher means a stronger local market — sector survival rates and regional growth against national.
ComplianceAn index from 0 to 100. Higher means up to date with Companies House.
CompetitionCareful — higher means MORE competitors nearby, not better. An index from 0 to 100 of how crowded the regional market is.
Fit for youYour opportunity score for what you sell, shown here so you can compare it with the other five.
CompetitionRead this one the other way round: a high number means a crowded market, where differentiation matters more than timing.
What to do nextFor any seller
Step 1Keep this company on the radarYou'll hear when it files or its status changes.Add to a watchlist Step 2See how North West comparesRegional growth and density put this company in context.Open the market Step 3Build a list from 46,030 comparable companiesSame industry, same region.Open the sector
Answers: Is this a live, reachable business in a market worth being in?
Commercial fitStrong
72/100
StatusStatusThe company's status on the Companies House register.Active
AgeAgeTime since incorporation.35 yrs
Sector growthSector growthYearly change in company formations across the sector, UK-wide.+7.4%
Regional densityRegional densityHow many similar companies are in this area compared with the UK average.Very high
A balanced read. Pick the lens that matches what you sell and every number on this page re-weights.
Companies House · ONS
Filing statusOn schedule
166days to go
Accounts are next due 31 Mar 2027; the last set was made up to 30 Jun 2025.
What this means for you: Filings are up to date, which makes this an easier first conversation.
Set a filing alert Companies House
Commercial fit · evidence
What we checked · General opportunity weighting
100% measurable
Market growth
Financial services formations up 7.4% a year nationally.
Company activity
3 filings in the last 12 months; status active.
Reachability
A registered office is on file; phone and web are checked on Pro.
Competitive intensity
46,030 comparable companies in North West.
Company maturity
Incorporated 35 yrs ago; scored against an 8-year maturity curve.
Rows marked Not checked are excluded from the score rather than assumed — the missing weight shows up as lower confidence, not as a worse company.
Unlock source scanning Model · General opportunity
Commonly relevant to
Commonly offered to a company like this
These are sector norms, not detected needs. CompaniesIQ never asserts what a company requires — only what the register does and does not show.
Answers: is this market big, growing and survivable — and is the region ahead or behind?
Market summary · financial services
Sector size & momentum
Companies in sector412,300
National growth+7.4%
North West+7.5%
New registrations (last 4 quarters)36,971live · all 34 SIC codes in the sector
5-year survival47.2%
This sector is growing roughly in line with the national average in North West.
New companies per quarter
Companies House · every incorporation with a SIC code in this sector (34 codes)
Growth & survival
How long companies last here
1-year survival93.1%
3-year survival61.0%
5-year survival47.2%
Of every 100 companies started in this sector, roughly 47 are still trading five years later. This company is past that point.
View methodology ONS Business Demography (reference baseline) · sector baseline, not this company
Local economy · North West
The market around it
Population7,772,854
Employment rate73.8%
Economic activity77.3%
Median weekly pay£734.80
Compare regions ONS · Nomis
Trends & outlook
Where the sector is heading
Growth trajectorySteady growth — incorporations rising at a measured pace.
Regional concentrationModerately distributed; North West holds about 11% of UK activity.
Emerging locationsGrowth is more evenly spread across regions for this sector.
Sector momentumEstablished presence in the sector.
- 1North West is a very high-density market for financial services, with about 46,030 companies in the same industry.
- 2Formation is broadly in line with the national average (+7.5%).
- 3Around 3,905 new companies registered in this industry locally over the last year.
- 4Sector survival sits at 47% over five years — the benchmark for businesses in this classification.
View methodology Derived · ONS BPE sector growth + regional weighting
Answers: how crowded is this market, and where does this company sit against its peers?
Where this company sits · quick peer score for any seller
Score distribution
24 closest comparables
00–20
021–30
031–40
041–50
051–60
161–70
171–80
22 + this one81+
A quick score from register status and company age only, because that is all the peer list carries. To compare like with like, this company is placed on the same quick score (100) — not the full 72/100 at the top of the page. Treat it as a position, not a ranking.
Closest comparables · 46,030 in North West · 3,905 new in 12m
Peer companies
| Company | Incorporated | Location | Overall signal | Quick score |
|---|---|---|---|---|
| Career Finance 4 Trade Skills Limited 06047066 · SIC 64921 | 10 Jan 2007 | North West | Active | 100 |
| Lomond Consumer Finance LTD 12030127 · SIC 64921 | 03 Jun 2019 | North West | Active | 96 |
| Arrow Global Receivables Management Limited 05875306 · SIC 64921 | 13 Jul 2006 | North West | Active | 100 |
| Estate Resolution Technologies (UK) LTD 13535908 · SIC 64921 | 28 Jul 2021 | North West | Active | 84 |
| Bibby Trade Services Limited 03530463 · SIC 64921 | 13 Mar 1998 | North West | Active | 100 |
| Epl Capital Limited 10782305 · SIC 64921 | 22 May 2017 | North West | Active | 100 |
| CM Group Properties Limited 07033677 · SIC 64921 | 29 Sept 2009 | North West | Active | 100 |
| SSH Finance Limited 10063640 · SIC 64921 | 15 Mar 2016 | North West | Active | 100 |
| Capital One (Europe) PLC 03879023 · SIC 64921 | 17 Nov 1999 | East Midlands | Active | 100 |
| Ipf Digital Group Limited 06032184 · SIC 64921 | 18 Dec 2006 | Yorkshire & the Humber | Active | 100 |
| Micro-E C.I.C. 07090390 · SIC 64301 | 30 Nov 2009 | East Midlands | Active | 100 |
| Carmoola Funding 2 Limited 15641838 · SIC 64921 | 13 Apr 2024 | London | Active | 69 |
| Vasave Financial Services LTD 14498598 · SIC 64921 | 22 Nov 2022 | South East | Active | 77 |
| Sterling Capital Asset Finance Limited 05212781 · SIC 64921 | 23 Aug 2004 | South West | Active | 100 |
| Privilege Development Finance Limited 11363248 · SIC 64921 | 15 May 2018 | East of England | Active | 100 |
| Bos (Shared Appreciation Mortgages) No. 3 PLC 03331871 · SIC 64921 | 12 Mar 1997 | Yorkshire & the Humber | Active | 100 |
| UK Credit Limited 06929807 · SIC 64921 | 10 Jun 2009 | East of England | Active | 100 |
| United Capital Finance Limited 10017040 · SIC 64921 | 20 Feb 2016 | East of England | Active | 100 |
| G.L.M. Finance Limited 04752628 · SIC 64921 | 02 May 2003 | West Midlands | Active | 100 |
| MJMT Limited 13412519 · SIC 64921 | 20 May 2021 | South East | Active | 86 |
| Onyt Limited 13646266 · SIC 64921 | 28 Sept 2021 | East of England | Active | 83 |
| Sunrise Global Brokers Limited 07467906 · SIC 64921 | 13 Dec 2010 | London | Active | 100 |
| S & J Mortgage Services LTD 12493855 · SIC 64921 | 03 Mar 2020 | East of England | Active | 92 |
| Ravspeed LTD 09442820 · SIC 64921 | 17 Feb 2015 | South East | Active | 100 |
Answers: what is formally on the public register — and what has not been filed yet?
Companies House · filing history
Timeline
- Officer resignedTermination director company with name termination date05 Oct 2026
- Confirmation statementConfirmation statement with no updates25 Jun 2026
- Charge registeredMortgage create with deed with charge number charge creation date05 May 2026
- Charge registeredMortgage create with deed with charge number charge creation date13 Oct 2025
- Accounts filedFull accounts03 Oct 2025
- Charge registeredMortgage create with deed with charge number charge creation date11 Jun 2025
- Confirmation statementConfirmation statement with no updates09 Jun 2025
- Director appointedAppoint person secretary company with name date17 Mar 2025
- Officer resignedTermination secretary company with name termination date17 Mar 2025
- Director appointedAppoint person director company with name date17 Oct 2024
Showing the 10 most recent of 25 filings. Upgrade for the complete history.
Register record
Company details
- Company
- Together Personal Finance Limited
- Number
- 02613335
- Registered office
- Lake View, Lakeside, Cheadle, SK8 3GW
- Incorporated
- 22 May 1991
- Type
- Private limited company
- Nature of business
- 64921 — Financial services
- Status
- Active
- Region
- North West · England
- Accounts
- Next due 31 Mar 2027
- Confirmation statement
- Next due 23 Jun 2027
Shared directors
Connected companies
Other companies run by the same directors are checked on paid plans — each appointment is a separate register lookup.
People & control
Who runs and owns it
36
HA
13 Mar 2025
ActiveBJ
17 Oct 2024
ActiveBG
15 Jun 2000
ActiveHJ
16 Jan 2023
ActiveHJ
02 Jan 2020
ActiveWP
22 Mar 2018
ActiveBK
26 Oct 1993
DissolvedBG
06 Dec 2013
DissolvedBG
06 Aug 1998
DissolvedBS
12 Apr 2017
DissolvedDN
25 Apr 2016
DissolvedMD
22 May 1991
DissolvedRM
24 Apr 1995
DissolvedRM
05 Apr 2006
DissolvedBC
22 May 1991
DissolvedBG
14 Sept 2006
DissolvedBT
28 Apr 2006
DissolvedBS
02 Jul 2008
DissolvedBP
05 Sept 2016
DissolvedBR
22 Mar 2016
DissolvedBS
05 Jun 2008
DissolvedBD
03 Oct 2012
DissolvedBE
02 Sept 2019
DissolvedBW
15 Jan 2018
DissolvedBW
18 Oct 2017
DissolvedBW
22 Feb 2016
DissolvedGM
22 Mar 2016
DissolvedGM
02 Mar 2001
DissolvedGA
29 Jul 1994
DissolvedGR
31 Jan 2019
DissolvedHC
01 Sept 2000
DissolvedJG
01 Oct 2013
DissolvedKC
25 Apr 2016
DissolvedLA
05 Jun 2008
DissolvedMR
03 Oct 2012
DissolvedTFActive
A registered chargeoutstanding
- Created
- 05 May 2026
- Registered
- 05 May 2026
- Persons entitled
- The Royal Bank of Scotland PLC as the Security Agent
A registered chargeoutstanding
- Created
- 07 Oct 2025
- Registered
- 13 Oct 2025
- Persons entitled
- The Royal Bank of Scotland PLC as Security Agent for the Benefit of the Secured Parties
A registered chargeoutstanding
- Created
- 04 Jun 2025
- Registered
- 11 Jun 2025
- Persons entitled
- Natwest Markets PLC
A registered chargeoutstanding
- Created
- 09 Apr 2024
- Registered
- 15 Apr 2024
- Persons entitled
- Natwest Markets PLC (As Security Agent)
A registered chargeoutstanding
- Created
- 16 Sept 2022
- Registered
- 20 Sept 2022
- Persons entitled
- Natwest Markets PLC (Formerly Known as the Royal Bank of Scotland PLC) (a Company Incorporated and Registered Under the Laws of Scotland with Number SC090312), as Security Agent for the Benefit of the Secured Parties
A registered chargeoutstanding
- Created
- 11 Nov 2021
- Registered
- 17 Nov 2021
- Persons entitled
- Natwest Markets PLC (As Security Agent)
A registered chargeoutstanding
- Created
- 25 Jan 2021
- Registered
- 26 Jan 2021
- Persons entitled
- Natwest Markets PLC (As Security Agent)
A registered chargeoutstanding
- Created
- 18 Sept 2020
- Registered
- 23 Sept 2020
- Persons entitled
- Natwest Markets PLC as Security Agent for the Benefit of the Secured Parties
A registered chargefully-satisfied
- Created
- 10 Feb 2020
- Registered
- 17 Feb 2020
- Persons entitled
- The Royal Bank of Scotland PLC (As Security Agent)
A registered chargefully-satisfied
- Created
- 27 Apr 2018
- Registered
- 01 May 2018
- Persons entitled
- The Royal Bank of Scotland PLC as Security Trustee for Itself and the Other Secured Parties (Security Agent)
A registered chargefully-satisfied
- Created
- 05 Jun 2017
- Registered
- 13 Jun 2017
- Persons entitled
- The Royal Bank of Scotland PLC as Security Trustee for Itself and the Other Secured Parties (Security Agent)
A registered chargefully-satisfied
- Created
- 22 Feb 2017
- Registered
- 27 Feb 2017
- Persons entitled
- The Royal Bank of Scotland PLC
A registered chargefully-satisfied
- Created
- 24 Jan 2017
- Registered
- 27 Jan 2017
- Persons entitled
- The Royal Bank of Scotland PLC
A registered chargefully-satisfied
- Created
- 13 Oct 2016
- Registered
- 20 Oct 2016
- Persons entitled
- The Royal Bank of Scotland PLC
A registered chargefully-satisfied
- Created
- 24 Apr 2015
- Registered
- 27 Apr 2015
- Persons entitled
- The Royal Bank of Scotland PLC
A registered chargefully-satisfied
- Created
- 27 Sept 2013
- Registered
- 05 Oct 2013
- Persons entitled
- The Royal Bank of Scotland PLC as Security Agent (Security Agent)
Fixed and floating security documentfully-satisfied
- Created
- 15 Nov 2007
- Registered
- 20 Nov 2007
- Persons entitled
- The Royal Bank of Scotland PLC as Security Agent for the Benefit of the Secured Parties
Amending deed to a composite guarantee and debenture dated 6TH december 1996 (as amended on 18TH december 1998 and 8TH november 2000 and supplemented on 15TH may 1997 and 11TH march 1998)fully-satisfied
- Created
- 06 Nov 2001
- Registered
- 13 Nov 2001
- Persons entitled
- The Governor and Company of the Bank of Scotland as Agent and Trustee Forthe Syndicate
Amending deed to a composite guarantee and debenture dated 6TH december 1996 (as amended on 18TH december 1998 and supplemented on 15TH may 1997 and 11TH march 1998)fully-satisfied
- Created
- 08 Nov 2000
- Registered
- 09 Nov 2000
- Persons entitled
- The Governor and Company of the Bank of Scotland (As Agent and Trustee Forthe Banks (as Defined)
Amending deed to a composite guarantee and debenture dated 6TH december 1996fully-satisfied
- Created
- 18 Dec 1998
- Registered
- 22 Dec 1998
- Persons entitled
- The British Linen Bank Limited
Debenture containing fixed and floating chargesfully-satisfied
- Created
- 23 Oct 1998
- Registered
- 29 Oct 1998
- Persons entitled
- The British Linen Bank Limited
Composite guarantee and debenturefully-satisfied
- Created
- 06 Dec 1996
- Registered
- 18 Dec 1996
- Persons entitled
- The British Linen Bank Limited,as Agent and Trustee for the Banks (As Defined)
Mortgage debenturefully-satisfied
- Created
- 04 Aug 1994
- Registered
- 11 Aug 1994
- Persons entitled
- National Westminster Bank PLC
CompaniesIQ presents evidence drawn from Companies House and ONS. Figures marked as modelled are derived from population and sector data. Scores are indicative, re-weight with the lens you choose, and are not financial, credit or legal advice.
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