UK Companies House feature
ARDENT CREDIT SERVICES LIMITED
Cash
£5M
+25% vs 2021
Net assets
£5M
+43% vs 2021
Employees
84
+2.4% vs 2021
Profit before tax
—
Period ending 2022-06-30
Profile
- Company number
- 04691960
- Status
- Active
- Incorporation
- 2003-03-10
- Last accounts made up
- 2024-12-31
- Account category
- FULL
- Primary SIC
- 64999
- Hubs
- UK Fintech
Net assets
5-year trend · vs UK Fintech median
Accounts
5-year trend · latest 2022-06-30
| Metric | Trend | 2018-06-30 | 2019-06-30 | 2020-06-30 | 2021-06-30 | 2022-06-30 |
|---|---|---|---|---|---|---|
| Turnover | — | — | — | — | — | |
| Operating profit | — | — | — | — | — | |
| Profit before tax | — | — | — | — | — | |
| Net profit | — | — | £1,012,487 | — | — | |
| Cash | — | — | £2,666,020 | £4,223,472 | £5,277,703 | |
| Total assets less current liabilities | — | — | £2,076,500 | £3,749,289 | £4,650,024 | |
| Net assets | — | — | £2,053,576 | £3,236,781 | £4,627,363 | |
| Equity | — | £1,267,299 | £2,053,576 | £3,236,781 | £4,627,363 | |
| Average employees | — | — | 83 | 82 | 84 | |
| 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 102
- Reporting scope
- Standalone (parent only)
- Auditor
- EisnerAmper Audit Limited
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“In auditing the financial statements, we have concluded that the director's use of the going concern basis of accounting in the preparation of the financial statements is appropriate. Based on the work we have performed, we have not identified any material uncertainties relating to events or conditions that, individually or collectively, may cast significant doubt on the company's ability to continue as a going concern for a period of at least twelve months from when the financial statements are-authorised for issue.”
Significant events
- “These loans were paid off in full on 26 March 2025 as part of a group loan restructure and syndication project.”
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
5 active · 4 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| CHERRY, Nicholas John | Director | 2023-04-19 | Jul 1974 | British |
| COHEN, Adam Scott | Director | 2023-04-19 | May 1971 | American |
| ENDERS, Howard Alan | Director | 2023-04-19 | Sep 1971 | American |
| PHILLIPS, Matthew Mark | Director | 2023-04-19 | Jan 1970 | American |
| RICKETTS, John Norman | Director | 2017-06-01 | Jul 1961 | British |
Show 4 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| HANNAH, Scott James | Secretary | 2003-03-10 | 2007-03-26 |
| MURRAY, Julie | Secretary | 2007-03-27 | 2023-04-19 |
| MURRAY, Stephen Frederick | Director | 2003-03-10 | 2015-06-17 |
| MURRAY, Steven Frederick | Director | 2015-06-17 | 2023-04-19 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Phillips & Cohen Associates (Uk) Ltd | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2023-04-19 | Active |
| Mrs Julie Murray | Individual | Shares 25–50%, Voting 25–50% | 2016-04-06 | Ceased 2023-04-19 |
| Mr Steven Frederick Murray | Individual | Shares 50–75%, Voting 50–75%, Appoints directors | 2016-04-06 | Ceased 2023-04-19 |
Filing timeline
Last 20 of 98 total filings
| Date | Type | Category | Description |
|---|---|---|---|
| 2026-03-20 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2025-10-02 | AAMD | accounts | accounts amended with accounts type full |
| 2025-07-09 | AA | accounts | accounts with accounts type full |
| 2025-03-12 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2024-12-18 | CH01 | officers | change person director company with change date |
| 2024-12-18 | CH01 | officers | change person director company with change date |
| 2024-12-18 | CH01 | officers | change person director company with change date |
| 2024-12-17 | CH01 | officers | change person director company with change date |
| 2024-12-17 | CH01 | officers | change person director company with change date |
| 2024-12-05 | AD03 | address | move registers to sail company with new address |
| 2024-12-05 | AD02 | address | change sail address company with new address |
| 2024-07-02 | MR01 | mortgage | mortgage create with deed with charge number charge creation date |
| 2024-05-04 | AA | accounts | accounts with accounts type total exemption full |
| 2024-04-12 | CS01 | confirmation-statement | confirmation statement with updates |
| 2023-08-29 | MA | incorporation | memorandum articles |
| 2023-08-29 | RESOLUTIONS | resolution | resolution |
| 2023-08-22 | CC04 | change-of-constitution | statement of companys objects |
| 2023-06-28 | AA01 | accounts | change account reference date company current extended |
| 2023-05-04 | AD01 | address | change registered office address company with date old address new address |
| 2023-04-27 | AD01 | address | change registered office address company with date old address new address |
Credit score
Altman Z″ — composite of working capital, retained earnings, EBIT, and leverage
Activity Score
Filings velocity, capital events, officer churn, accounts trajectory