Pharon Independent Financial Advisers Limited
Registered name: PHARON INDEPENDENT FINANCIAL ADVISERS LIMITED
Part of The Quanta Group (Holdings) Limited groupPharon Independent Financial Advisers Limited made £6.4m revenue and £1.7m profit in the year to 31 Dec 2025.
Pharon Independent Financial Advisers Limited’s revenue grew 8% to £6.4m in the year to 31 Dec 2025, with £1.7m profit and 39 employees. The company is classified under “life insurance” and is based in Canterbury; we hold 4 years of its filed accounts.
- Status
- Active
- Location
- Canterbury, South East
- Age
- 53 yrs · since 1973
- Type
- Private Limited Company
Pass-through vehicle. This looks like a holding, staffing or umbrella company. Its revenue and profit may largely pass through to or from other entities, so the figures may not reflect a standalone operating business. It is excluded from our opportunity lists.
Part of a group. The filing indicates this company sits within a group structure, so its results may depend on intra-group trading and it may be hard to replicate independently.
Key figures
Badges are automated estimates derived from the filed figures — not statements of fact about the company.
Financial history
| Year to | 31 Dec 2022 | 31 Dec 2023 | 31 Dec 2024 | 31 Dec 2025 |
|---|---|---|---|---|
| Disclosure | Full P&L | Full P&L | Full P&L | Full P&L |
| Profit & loss | ||||
| Revenue (turnover) | £5.3m | £5.2m | £6m | £6.4m |
| Cost of sales | £2.4m | £3.4m | £3.1m | £3.8m |
| Gross profit | £3m | £1.8m | £2.8m | £2.6m |
| Operating profit | £2.5m | £1.4m | £2.3m | £2.1m |
| Profit before tax | £2.5m | £1.4m | £2.5m | £2.3m |
| Profit after tax | £2m | £1.1m | £1.9m | £1.7m |
| Profit (best available) | £2m | £1.1m | £1.9m | £1.7m |
| Staff costs | £2m | £3m | £2.8m | £3.5m |
| Employees (average) | 37 | 36 | 37 | 39 |
| Ratios | ||||
| Profit margin | 38.1% | 21.2% | 31.4% | 26.6% |
| Gross margin | 55.5% | 34.6% | 47.6% | 40.7% |
| Revenue per employee | £144k | £143k | £161k | £164k |
| Profit per employee | £55k | £30.3k | £50.6k | £43.6k |
| Cash conversion | 74.3% | 97.3% | 74.7% | −108.1% |
| Growth (year on year) | ||||
| Revenue growth | — | ▼3.5% | ▲15.5% | ▲7.6% |
| Profit growth | — | ▼46.4% | ▲71.4% | ▼9.1% |
| Headcount growth | — | ▼2.7% | ▲2.8% | ▲5.4% |
| Balance sheet — indirect signals, not revenue | ||||
| Cash at bank | £2.2m | £1.3m | £4.1m | £3.3m |
| Net assets | £3.1m | £2.9m | £4.8m | £6.5m |
| Fixed assets | £24.6k | £17.5k | £6.2k | £5.2k |
| Current assets | £3.5m | £3.6m | £5.5m | £7.4m |
| Debtors | £26.8k | £0 | £12.5k | £5.1k |
| Deferred income | £52k | £107k | £130k | £40k |
| Cash from operations | £1.8m | £1.3m | £1.7m | −£2.3m |
| Source | FullAccounts · bulk data Sep 2024 | FullAccounts · bulk data Sep 2024 | FullAccounts · bulk data Sep 2025 | FullAccounts · bulk data Sep 2026 |
How the business works
- Profit margin
- 26.6%
- Profit ÷ revenue.
- Gross margin
- 40.7%
- Gross profit ÷ revenue. High for software and services.
- Revenue per employee
- £164k
- Revenue ÷ average employees.
- Profit per employee
- £43.6k
- Profit ÷ average employees.
- Cash conversion
- −108.1%
- Cash generated from operations ÷ operating profit. Needs a cash-flow statement.
- Fixed assets ÷ revenue
- 0.1%
- Capital intensity. Low = capital-light, cheaper to start.
- Deferred income ÷ revenue
- 0.6%
- Customers paying upfront (subscriptions, deposits). Approximate when combined with accruals.
- Debtors ÷ revenue
- 0.1%
- Money owed by customers. Low = customers pay quickly.
Balance-sheet signals
Year-on-year changes in filed balance-sheet items. They can hint at momentum (or investment) but are not revenue or profit and must not be read as such.
- Net assets
- ▲36%
- Now £6.5m
- Cash at bank
- ▼20%
- Now £3.3m
- Headcount
- ▲5%
- Now 39
- Deferred income
- ▼69%
- Now £40k
- Fixed assets
- ▼16%
- Now £5.2k
Deferred income is reported together with accruals in this filing (“accruals and deferred income”), so it is an approximate signal only.
Group structure
Ownership chain
- The Quanta Group (Holdings) Limitedultimate parent75–100%
- Craven Street Capital Holdings Limited50–75%
- Craven Street Wealth Limited75–100%
- Pharon Independent Financial Advisers Limitedthis company
Bands show the share of ownership each company holds in the one below it.
Subsidiaries (1)
- Lawrence House Nominees LimitedFigures not disclosed
Sister companies (2)
- Chaucer Newco LimitedFigures not disclosed
- Christchurch Investment Management LimitedFigures not disclosed
From the Persons with Significant Control register (corporate controllers only).
Sources
Latest figures from FullAccounts for the year to 31 Dec 2025 (profit £1.7m), from the Companies House accounts bulk data published Sep 2026. Spotted an error? Request a correction.
Updated from Companies House on 15 Oct 2026
Contains public sector information from Companies House licensed under the Open Government Licence v3.0. Data from Companies House, © Crown copyright. View the licence.