UK Companies House feature
CANDID FINANCIAL ADVICE LIMITED
Cash
£464K
+141.1% vs 2023
Net assets
£220K
+18.1% vs 2023
Employees
5
-37.5% vs 2023
Profit before tax
£249K
+356.5% vs 2023
Profile
- Company number
- 08261124
- Status
- Active
- Incorporation
- 2012-10-19
- Last accounts made up
- 2025-04-30
- Account category
- FULL
- Primary SIC
- 64999
- Hubs
- UK Fintech
Net assets
7-year trend · vs UK Fintech median
Accounts
7-year trend · latest 2025-04-30
| Metric | Trend | 2019-10-31 | 2020-10-31 | 2021-10-31 | 2022-10-31 | 2022-11-01 | 2023-10-31 | 2025-04-30 |
|---|---|---|---|---|---|---|---|---|
| Turnover | — | — | — | — | — | £595,111 | £975,743 | |
| Operating profit | — | — | — | — | — | £53,196 | £245,253 | |
| Profit before tax | — | — | — | — | — | £54,585 | £249,178 | |
| Net profit | — | — | — | — | — | £44,026 | £187,819 | |
| Cash | — | — | — | — | — | £192,477 | £464,092 | |
| Total assets less current liabilities | £135,157 | £232,643 | £301,106 | £344,392 | — | £186,418 | £220,237 | |
| Net assets | £135,157 | £232,643 | £301,106 | £344,392 | — | £186,418 | £220,237 | |
| Equity | £135,157 | £232,643 | £301,106 | £344,392 | £344,392 | £186,418 | £220,237 | |
| Average employees | — | — | — | — | — | 8 | 5 | |
| Wages | — | — | — | — | — | £237,397 | £402,851 |
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 §1A
- Reporting scope
- Standalone (parent only)
- Abridged
- Yes — abridged accounts (limited disclosure)
- Auditor
- Sayers Butterworth LLP
- 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.”
Significant events
- “Following the acquisition of the Company in October 2024, the immediate parent company became Octopus Money Limited. The ultimate parent company is Octopus Group Holdings Limited. Both companies are registered in England and Wales. There is no one ultimate controlling party.”
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
2 active · 3 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| MARSH, Daniel | Director | 2024-10-24 | Jul 1991 | British |
| TITTERTON, Paul James | Director | 2025-06-11 | Oct 1972 | British |
Show 3 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| HANDCOCK, Ruth Anna | Director | 2024-10-24 | 2026-02-09 |
| MILLWARD, Ian David | Director | 2012-10-19 | 2024-10-24 |
| MODRAY, Justin Roman Maxwell | Director | 2012-10-19 | 2024-10-24 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Octopus Money Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2024-10-01 | Active |
| Mr Justin Roman Maxwell Modray | Individual | Shares 25–50%, Voting 25–50% | 2016-04-06 | Ceased 2024-10-01 |
| Mr Ian David Millward | Individual | Shares 25–50%, Voting 25–50% | 2016-04-06 | Ceased 2024-10-01 |
Filing timeline
Last 20 of 46 total filings
| Date | Type | Category | Description |
|---|---|---|---|
| 2026-03-23 | AD01 | address | change registered office address company with date old address new address |
| 2026-02-23 | TM01 | officers | termination director company with name termination date |
| 2026-02-04 | AA | accounts | accounts with accounts type full |
| 2025-10-21 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2025-08-14 | AP01 | officers | appoint person director company with name date |
| 2025-08-08 | CH01 | officers | change person director company with change date |
| 2025-06-13 | CH01 | officers | change person director company with change date |
| 2024-12-24 | PSC07 | persons-with-significant-control | cessation of a person with significant control |
| 2024-12-24 | PSC02 | persons-with-significant-control | notification of a person with significant control |
| 2024-12-24 | PSC07 | persons-with-significant-control | cessation of a person with significant control |
| 2024-12-02 | RP04CS01 | confirmation-statement | second filing of confirmation statement with made up date |
| 2024-11-01 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2024-11-01 | TM01 | officers | termination director company with name termination date |
| 2024-11-01 | TM01 | officers | termination director company with name termination date |
| 2024-11-01 | AP01 | officers | appoint person director company with name date |
| 2024-11-01 | AP01 | officers | appoint person director company with name date |
| 2024-10-21 | AA01 | accounts | change account reference date company current extended |
| 2024-07-14 | AA | accounts | accounts with accounts type micro entity |
| 2024-04-18 | AD01 | address | change registered office address company with date old address new address |
| 2023-11-03 | CS01 | confirmation-statement | confirmation statement with no updates |
Credit score
Altman Z″ — composite of working capital, retained earnings, EBIT, and leverage
Activity Score
Filings velocity, capital events, officer churn, accounts trajectory