THINC GROUP LIMITED
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Next accounts due
2026-09-30 (in 4mo)
Last filed for 2024-12-31
Confirmation statement due
2027-01-23 (in 8mo)
Last made up 2026-01-09
Watchouts
Cash
£8M
-50.8% vs 2023
Net assets
£5M
+21.9% vs 2023
Employees
—
Average over period
Profit before tax
-£5M
-1,455.3% vs 2023
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
Material uncertainty over going concern
the Financial Statements have been presented on a basis other than going concern
-
3 officer resignations in last 12 months
Multiple officers have left the board recently — see the People section for who.
Name history
Renamed 4 times since incorporation
- THINC GROUP LIMITED 2007-01-15 → present
- THINC DESTINI LIMITED 2005-07-25 → 2007-01-15
- THINC FINANCIAL PLANNING LIMITED 2003-11-21 → 2005-07-25
- HAYWARD CHAMBERS FINANCIAL PLANNING LIMITED 2000-12-15 → 2003-11-21
- SAGE ASSET MANAGEMENT LIMITED 1995-02-10 → 2000-12-15
Net assets
2-year trend · vs Financials median
Accounts
2-year trend · latest reflected 2024-12-31
| Metric | Trend | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Turnover | £839,960 | £752,395 | |
| Operating profit | £25,820 | -£5,443,868 | |
| Profit before tax | £357,776 | -£4,849,059 | |
| Net profit | £276,436 | -£3,638,387 | |
| Cash | £15,865,544 | £7,809,085 | |
| Total assets less current liabilities | £3,932,730 | £4,794,343 | |
| Net assets | £3,932,730 | £4,794,343 | |
| Equity | £3,932,730 | £4,794,343 | |
| Average employees | — | — | |
| Wages | — | — |
Values shown as filed in the company's annual accounts. — indicates the figure wasn't present under that line item in that period. About these numbers
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Operating margin | 3.1% | -723.5% | |
| Net margin | 32.9% | -483.6% | |
| Return on capital employed | 0.7% | -113.5% | |
| Gearing (liabilities / total assets) | 76.8% | 52.5% | |
| Current ratio | 1.30x | 1.91x | |
| Interest cover | 268.96x | -46929.90x |
Margins divide P&L lines by turnover. Gearing is liabilities over total assets. Current ratio is current assets over creditors falling due within one year. Interest cover is operating profit over absolute finance costs. Sector-distribution context coming next.
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Standalone (parent only)
- Auditor
- KPMG LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Material uncertainty disclosed
“the Financial Statements have been presented on a basis other than going concern”
Significant events
- “The Company has transferred the management of complaints related to the historic business to AXA Services Limited ("ASL") on 31 December 2024.”
- “The Company continued to receive commission income until its FCA permissions ceased.”
- “Management intend to close the Company during 2025 and liquidate as soon as practicable.”
- “During the year the Company agreed to transfer its remaining holdings in UCIS funds together with the cash balances held on the investment platform, at current valuations, to its parent thereby reducing the creditor balance by £3,182,729.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
3 active · 33 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| BYE, Karina Jane | Secretary | 2025-05-14 | — | — |
| DUNSTALL, Carl | Director | 2025-12-22 | Sep 1980 | British |
| PAGE, Tracy Jean | Director | 2024-02-15 | Jun 1981 | British |
Show 33 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BEGGS, Kirsten Ann | Secretary | 2020-07-13 | 2023-02-28 |
| HAYHURST, Moya Jane | Secretary | 2024-06-19 | 2024-12-13 |
| O'REILLY, Sarah Amy | Secretary | 2024-12-13 | 2025-05-14 |
| RENNISON, Roderic Henry Patrick | Secretary | 2005-08-25 | 2008-02-29 |
| RIDDY, Caroline Anne | Secretary | 2023-03-01 | 2024-06-19 |
| SHIPWAY, Ian Geoffrey | Secretary | 2003-12-31 | 2005-08-25 |
| SHIPWAY, Ian Geoffrey | Secretary | 1995-02-10 | 1997-03-31 |
| SMALL, Jeremy Peter | Secretary | 2008-02-28 | 2020-06-16 |
| WESTGARTH, Victoria Mary | Secretary | 1997-03-31 | 2003-12-31 |
| LONDON LAW SECRETARIAL LIMITED | Corporate Nominee Secretary | 1995-02-10 | 1995-02-10 |
| ANDERSON, Philip John | Director | 2007-06-18 | 2012-06-29 |
| BOYLE, Nicholas | Director | 2004-11-01 | 2009-03-18 |
| BURNS, Nicholas Mckenzie Herbert | Director | 2011-04-11 | 2012-04-23 |
| CHAMBERLAIN, Simon John | Director | 2003-12-01 | 2007-07-26 |
| CHEESEMAN, David Richard | Director | 2013-12-18 | 2016-10-31 |
| EVERILL, Jonathon Robert Edwin | Director | 2005-11-25 | 2010-03-15 |
| HARKIN, Neil Michael | Director | 2005-03-01 | 2005-08-25 |
| HARRAGAN, Stephen William | Director | 2005-03-01 | 2005-08-25 |
| HARVEY, Graham | Director | 2012-06-22 | 2013-12-20 |
| LINDLEY, Richard Malcolm | Director | 2005-08-25 | 2007-11-30 |
| MACKAY, Alasdair Iain | Director | 2010-03-15 | 2010-12-17 |
| MATTHEWS, Geoffrey Charles | Director | 2001-01-22 | 2004-11-01 |
| MOQUET, Roland Jean Andre | Director | 2021-07-23 | 2025-09-01 |
| PAGDEN, Robin Dermer | Director | 2025-09-01 | 2025-12-22 |
| PARSONS, Timothy George Arnold | Director | 2005-03-01 | 2005-08-25 |
| PURVIS, Andrew John | Director | 2012-06-29 | 2021-04-30 |
| RENNISON, Roderic Henry Patrick | Director | 2004-11-01 | 2008-02-29 |
| SHIPWAY, Ian Geoffrey | Director | 1995-02-10 | 2005-08-25 |
| TAYLOR, Gregg | Director | 2003-12-01 | 2009-09-29 |
| TEALE, Susan Nicola | Director | 2017-06-14 | 2023-10-08 |
| TROTTER, Timothy Hugh Southcombe | Director | 2005-03-01 | 2005-08-25 |
| WANLESS, Malcolm | Director | 1995-02-10 | 1997-03-31 |
| LONDON LAW SERVICES LIMITED | Corporate Nominee Director | 1995-02-10 | 1995-02-10 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Thinc Holdings Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Active |
Filing timeline
Last 20 of 175 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-01-22 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2026-01-03 | AP01 | officers | Appoint person director company with name date | |
| 2025-12-31 | TM01 | officers | Termination director company with name termination date | |
| 2025-10-29 | AA | accounts | Accounts with accounts type full | |
| 2025-09-04 | AP01 | officers | Appoint person director company with name date | |
| 2025-09-04 | TM01 | officers | Termination director company with name termination date | |
| 2025-05-14 | TM02 | officers | Termination secretary company with name termination date | |
| 2025-05-14 | AP03 | officers | Appoint person secretary company with name date | |
| 2025-01-21 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-12-16 | TM02 | officers | Termination secretary company with name termination date | |
| 2024-12-16 | AP03 | officers | Appoint person secretary company with name date | |
| 2024-06-21 | AP03 | officers | Appoint person secretary company with name date | |
| 2024-06-20 | TM02 | officers | Termination secretary company with name termination date | |
| 2024-04-29 | AA | accounts | Accounts with accounts type full | |
| 2024-02-16 | AP01 | officers | Appoint person director company with name date | |
| 2024-01-23 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-10-13 | TM01 | officers | Termination director company with name termination date | |
| 2023-05-11 | AA | accounts | Accounts with accounts type full | |
| 2023-03-06 | TM02 | officers | Termination secretary company with name termination date | |
| 2023-03-06 | AP03 | officers | Appoint person secretary company with name date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 8
- Capital events
- 0
- Officers appointed
- 2
- Officers resigned
- 3
last 12 months
last 24 months
last 12 months
last 12 months
Direct counts from the register. No score, no rating — see the Filing timeline for the underlying events.
Year-on-year
FY2023 → FY2024 · period ending 2024-12-31 vs 2023-12-31
-
Turnover
-10.4%
£839,960 £752,395
-
Cash
-50.8%
£15,865,544 £7,809,085
-
Net assets
+21.9%
£3,932,730 £4,794,343
-
Employees
—
Not reported
-
Operating profit
-21,183.9%
£25,820 -£5,443,868
-
Profit before tax
-1,455.3%
£357,776 -£4,849,059
Each % is (latest − prior) ÷ |prior| for the line item as filed. Periods don't have to be exactly 12 months apart — a long or short period (typical around incorporation or year-end changes) will distort the comparison. Lines a company doesn't report are omitted. About these numbers