UK Companies House feature
HW FINANCIAL SERVICES LIMITED
Cash
£1M
-42.4% vs 2022
Net assets
£1M
-18.5% vs 2022
Employees
0
Average over period
Profit before tax
£711K
+16% vs 2022
Profile
- Company number
- 02030706
- Status
- Active
- Incorporation
- 1986-06-24
- Last accounts made up
- 2024-12-31
- Account category
- FULL
- Primary SIC
- 66190
- Hubs
- UK Fintech
Net assets
3-year trend · vs UK Fintech median
Accounts
3-year trend · latest 2023-12-31
| Metric | Trend | 2022-01-01 | 2022-12-31 | 2023-12-31 |
|---|---|---|---|---|
| Turnover | — | £5,159,000 | £5,013,000 | |
| Operating profit | — | £593,000 | £663,000 | |
| Profit before tax | — | £613,000 | £711,000 | |
| Net profit | — | £499,000 | £544,000 | |
| Cash | — | £2,172,000 | £1,250,000 | |
| Total assets less current liabilities | — | — | — | |
| Net assets | — | £1,651,000 | £1,345,000 | |
| Equity | £1,652,000 | £1,651,000 | £1,345,000 | |
| Average employees | — | 0 | 0 | |
| Wages | — | — | — |
Values shown as filed in iXBRL accounts. — indicates the figure was not present in the extracted filing (either not filed under that concept or absent from the period). About these numbers
Audit & accounting basis
From AI-extracted PDF accounts
- Accounting basis
- FRS 101
- Reporting scope
- Standalone (parent only)
- Auditor
- Forvis Mazars LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“After reviewing the Company's performance projections for the period of at least 12 months from the date of issue of the financial statements, the Directors are satisfied that, in taking account of a range of stress tests which are deemed to be severe but plausible, the Company has adequate access to resources to enable the Company to meet its obligations and continue in operational existence for the foreseeable future. Accordingly, the Directors.continue to adopt the going concern basis of accounting in preparing the financial statements.”
Significant events
- “There have been no material post balance sheet events requiring disclosure prior to the date of signing this report.”
Auditor / going-concern / subsidiary information is extracted from the PDF version of the latest annual accounts and is not tagged in iXBRL. About these numbers
People
11 active · 38 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| DAVIES, Charlotte | Secretary | 2024-03-31 | — | — |
| BOYLE, Sally Ann | Director | 2024-03-22 | Jul 1961 | British |
| DEMING, Peter Hepburn | Director | 2020-09-01 | Aug 1981 | British |
| GEDDES, Paul Robert | Director | 2023-10-06 | Jun 1969 | British |
| GERSH, Alexander | Director | 2025-06-27 | Mar 1964 | British |
| GRIGG, Christopher Montague | Director | 2021-08-02 | Jul 1959 | British |
| HAGERTY, Sean Patrick | Director | 2025-05-01 | Mar 1961 | American,British |
| HUYSSEUNE, Thibault | Director | 2025-02-12 | Jan 1993 | Belgian |
| PELL, Christopher | Director | 2020-09-01 | Nov 1978 | British |
| STENT, Carla Rosaline | Director | 2020-09-01 | Feb 1971 | British |
| WIKLUND, Kjersti | Director | 2022-09-09 | Sep 1962 | British |
Show 38 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| CALITZ, Frederick Johannes | Secretary | 2013-02-27 | 2016-09-30 |
| COOKE, Stephen Andrew | Secretary | 2010-01-14 | 2010-06-18 |
| EMERTON, Philip John | Secretary | — | 1993-12-01 |
| FAIRCLOUGH, Geoffrey Charles | Secretary | 1993-12-01 | 2006-08-01 |
| HASAN, Rehana | Secretary | 2016-09-30 | 2020-09-03 |
| SAUNDERS, Deborah Ann | Secretary | 2020-09-03 | 2021-09-01 |
| SMITH, Derek William | Secretary | 2006-08-01 | 2010-01-14 |
| WHITE, Gavin Raymond | Secretary | 2021-09-01 | 2024-03-31 |
| BADDELEY, Andrew Martin | Director | 2018-09-12 | 2025-03-31 |
| CHAMBERS, Elizabeth Grace | Director | 2020-09-01 | 2024-03-31 |
| COBB, David Martin | Director | 2020-12-04 | 2024-06-21 |
| COOKE, Stephen Andrew | Director | 2010-01-14 | 2010-06-18 |
| COVELL, Beverley Michael | Director | 2010-03-04 | 2014-10-23 |
| COWAN, Andrew James | Director | 2016-07-29 | 2018-07-31 |
| DAWES, Richard Bolton | Director | 2003-05-14 | 2016-12-08 |
| DOWNING, Wadham St. John | Director | 2016-07-29 | 2018-08-03 |
| FAIRCLOUGH, Geoffrey Charles | Director | 1993-09-20 | 2010-01-14 |
| FLETCHER, Colin Malcolm | Director | 1993-09-20 | 1998-05-18 |
| FRASER, James Annand | Director | 2020-01-30 | 2020-09-24 |
| GRANT, Andrew James Murray | Director | 2018-09-27 | 2019-11-29 |
| HALL, Peter Lindop | Director | 2010-06-07 | 2017-12-30 |
| JONES, Keith | Director | 2020-09-01 | 2025-09-05 |
| LAUGHTON, Gene Melvin | Director | — | 2005-03-31 |
| LAYZELL, Stuart Paul | Director | 2015-07-28 | 2016-07-29 |
| LEWIS, Peter Cyril Robert | Director | 1993-09-20 | 2007-03-31 |
| MCNABB III, Frederick William | Director | 2021-01-15 | 2022-11-18 |
| MINIFIE, Andrew Stephen | Director | 2003-05-14 | 2010-01-14 |
| MUELDER, Philip Sebastian | Director | 2020-09-01 | 2025-02-12 |
| REID, Donald William Sherret | Director | 2010-09-28 | 2019-11-29 |
| ROBERTSON, Roderick | Director | 1995-07-10 | 1995-12-31 |
| ROSS, John | Director | — | 1998-05-18 |
| SAMUEL, William Meredith, Mr | Director | 2020-01-30 | 2022-02-18 |
| SPIERS, John Dudley | Director | 2010-01-14 | 2011-02-23 |
| STALKARTT, Timothy Charles | Director | 2012-05-29 | 2016-12-08 |
| STOPPS, Kevin Peter | Director | 2020-12-03 | 2021-10-01 |
| STYLE, Rodney Hill | Director | — | 2010-01-14 |
| VERITY, Sean Leighton | Director | 1998-04-06 | 2003-05-14 |
| WOODHOUSE, Christopher | Director | 2017-10-03 | 2023-08-11 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Bestinvest (Holdings) Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Active |
Filing timeline
Last 20 of 263 total filings
| Date | Type | Category | Description |
|---|---|---|---|
| 2025-12-24 | CH01 | officers | change person director company with change date |
| 2025-11-25 | CH01 | officers | change person director company with change date |
| 2025-11-25 | CH01 | officers | change person director company with change date |
| 2025-11-25 | CH01 | officers | change person director company with change date |
| 2025-10-02 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2025-09-10 | TM01 | officers | termination director company with name termination date |
| 2025-08-12 | AA | accounts | accounts with accounts type full |
| 2025-07-11 | AP01 | officers | appoint person director company with name date |
| 2025-05-09 | AP01 | officers | appoint person director company with name date |
| 2025-04-04 | TM01 | officers | termination director company with name termination date |
| 2025-02-21 | TM01 | officers | termination director company with name termination date |
| 2025-02-21 | AP01 | officers | appoint person director company with name date |
| 2024-10-01 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2024-07-11 | AA | accounts | accounts with accounts type full |
| 2024-07-01 | TM01 | officers | termination director company with name termination date |
| 2024-04-10 | AP03 | officers | appoint person secretary company with name date |
| 2024-04-10 | TM02 | officers | termination secretary company with name termination date |
| 2024-04-10 | TM01 | officers | termination director company with name termination date |
| 2024-04-09 | AP01 | officers | appoint person director company with name date |
| 2023-10-23 | AP01 | officers | appoint person director company with name date |
Credit score
Altman Z″ (private-firm) · reference 2023-12-31
8.98
SAFE
Altman Z″
- Working capital / Total assets 0.679 × 6.56 = +4.45
- Retained earnings / Total assets 0.000 × 3.26 = +0.00
- EBIT / Total assets 0.337 × 6.72 = +2.26
- Book equity / Total liabilities 2.155 × 1.05 = +2.26
Bands: > 2.6 safe · 1.1–2.6 grey · < 1.1 distress. Z″ is a public-formula baseline, not a substitute for adverse-data signals (CCJs, charges, gazette notices) — those land in a later pass.
Activity Score
Filings velocity, capital events, officer churn, accounts trajectory