UK Companies House feature
SMARTCREDIT LIMITED
Profile
- Company number
- 05534508
- Status
- Active
- Incorporation
- 2005-08-11
- Last accounts made up
- 2024-12-31
- Account category
- FULL
- Primary SIC
- 64999
- Hubs
- UK Fintech
Accounts
Pending extraction
No iXBRL extracted yet for this company.
Audit & accounting basis
From AI-extracted PDF accounts
- Accounting basis
- FRS 102
- Reporting scope
- Standalone (parent only)
- Auditor
- Armstrong Watson Audit Limited
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“In auditing the financial statements, we have concluded that the directors' 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.”
Subsidiaries
- Smartsearch International Limited · 100% held · UK
Significant events
- “On 19th April 2024, Triple Private Equity, via three investment funds, became the majority shareholder. There is no controlling party. The ultimate parent undertaking was Mercury Midco Limited, a Company registered in Jersey, until 19th April 2024, when the ultimate parent undertaking became Solace Topco Limited, a Company registered in the United Kingdom.”
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
8 active · 20 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| GIFFORD, Nicola Jane | Secretary | 2021-05-21 | — | — |
| AMADIO, Annalisa | Director | 2024-04-19 | May 1990 | Italian |
| COTTER, Philip Joseph | Director | 2024-04-22 | Jun 1959 | British |
| GUNAY, Seyfi | Director | 2025-11-06 | Jan 1970 | German |
| JONES, Joanne | Director | 2025-01-16 | Jun 1978 | British |
| MIELL, Alexander Edward | Director | 2025-02-05 | Jan 1975 | British |
| MORRIS, Stuart | Director | 2024-10-07 | Jun 1981 | British |
| SMITH, Collette Kristina | Director | 2020-07-13 | Dec 1989 | British |
Show 20 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| ALLEN, Gareth Jack | Secretary | 2008-11-10 | 2017-04-21 |
| DOBSON, Janet | Secretary | 2018-08-28 | 2021-05-21 |
| HOLMES, Michael Andrew | Secretary | 2017-04-21 | 2018-08-28 |
| WILSON, Nichola Dawn | Secretary | 2005-08-11 | 2008-11-10 |
| ALLEN, Gareth Jack | Director | 2008-11-10 | 2021-12-31 |
| CHEEK, Martin Robert | Director | 2009-12-16 | 2024-06-30 |
| DOBSON, James Edward | Director | 2008-11-10 | 2024-07-31 |
| DOBSON, John Kenneth | Director | 2009-07-01 | 2024-04-19 |
| EDDIE, Stephen Paul | Director | 2024-10-07 | 2025-08-01 |
| ELCOCK, Claire Helen | Director | 2021-05-17 | 2024-12-31 |
| GREEN, Deirdre Jacqueline Mary | Director | 2005-08-11 | 2007-12-15 |
| GREEN, Graham Andrew | Director | 2007-12-15 | 2008-11-10 |
| GREEN, Julie Michelle | Director | 2023-10-01 | 2026-03-31 |
| GREEN, Michael John | Director | 2017-01-01 | 2024-04-19 |
| HARRISON, Guy Edward | Director | 2022-01-26 | 2024-04-19 |
| HOLMES, Michael Andrew | Director | 2018-08-28 | 2022-01-31 |
| MITCHELL, Fraser John Bran | Director | 2013-01-02 | 2025-09-30 |
| PEZZUTTO, Roland | Director | 2019-10-08 | 2024-04-19 |
| RICE, Gavin Phillip | Director | 2006-01-30 | 2007-12-15 |
| WILSON, Nichola Dawn | Director | 2005-08-11 | 2008-11-10 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Solace Bidco Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2026-04-30 | Active |
| Mercury Bidco Limited | Corporate entity | Shares 75–100%, Voting 75–100% | 2019-10-08 | Ceased 2026-04-30 |
| Mr Martin Cheek | Individual | Shares 25–50% | 2016-04-06 | Ceased 2019-10-08 |
| Mr John Kenneth Dobson | Individual | Significant influence | 2016-04-06 | Ceased 2019-10-08 |
Filing timeline
Last 20 of 133 total filings
| Date | Type | Category | Description |
|---|---|---|---|
| 2026-05-07 | PSC07 | persons-with-significant-control | cessation of a person with significant control |
| 2026-05-07 | PSC02 | persons-with-significant-control | notification of a person with significant control |
| 2026-03-31 | TM01 | officers | termination director company with name termination date |
| 2025-11-07 | AP01 | officers | appoint person director company with name date |
| 2025-10-01 | TM01 | officers | termination director company with name termination date |
| 2025-08-06 | TM01 | officers | termination director company with name termination date |
| 2025-07-02 | AA | accounts | accounts with accounts type full |
| 2025-06-27 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2025-05-12 | CH01 | officers | change person director company with change date |
| 2025-02-12 | AP01 | officers | appoint person director company with name date |
| 2025-02-10 | AP01 | officers | appoint person director company with name date |
| 2025-01-15 | TM01 | officers | termination director company with name termination date |
| 2024-10-14 | AP01 | officers | appoint person director company with name date |
| 2024-10-14 | AP01 | officers | appoint person director company with name date |
| 2024-08-20 | MA | incorporation | memorandum articles |
| 2024-08-20 | RESOLUTIONS | resolution | resolution |
| 2024-08-14 | MR01 | mortgage | mortgage create with deed with charge number charge creation date |
| 2024-08-02 | TM01 | officers | termination director company with name termination date |
| 2024-07-01 | TM01 | officers | termination director company with name termination date |
| 2024-06-27 | CS01 | confirmation-statement | confirmation statement with no updates |
Credit score
Altman Z″ — composite of working capital, retained earnings, EBIT, and leverage
Credit score requires extracted accounts data.
Activity Score
Filings velocity, capital events, officer churn, accounts trajectory
Activity Score not yet computed for this company.