CANDID FINANCIAL ADVICE LIMITED
Get an alert when CANDID FINANCIAL ADVICE LIMITED files next
Leroy will email you the moment a new filing lands at Companies House — one short note per filing, nothing else.
Next accounts due
2027-01-31 (in 8mo)
Last filed for 2025-04-30
Confirmation statement due
2026-11-02 (in 6mo)
Last made up 2025-10-19
Watchouts
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
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
2 PSCs ceased in last 24 months
Significant control changed hands — see the Ownership section.
Net assets
7-year trend · vs Financials median
Accounts
7-year trend · latest reflected 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 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 | 2019-10-31 | 2020-10-31 | 2021-10-31 | 2022-10-31 | 2022-11-01 | 2023-10-31 | 2025-04-30 |
|---|---|---|---|---|---|---|---|---|
| Operating margin | — | — | — | — | — | 8.9% | 25.1% | |
| Net margin | — | — | — | — | — | 7.4% | 19.2% | |
| Return on capital employed | — | — | — | — | — | 28.5% | 111.4% |
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 §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 and subsidiary information is drawn from the narrative of the latest annual accounts. 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 |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 7
- Capital events
- 0
- Officers appointed
- 1
- Officers resigned
- 1
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 → FY2025 · period ending 2025-04-30 vs 2023-10-31
-
Turnover
+64%
£595,111 £975,743
-
Cash
+141.1%
£192,477 £464,092
-
Net assets
+18.1%
£186,418 £220,237
-
Employees
-37.5%
8 5
-
Operating profit
+361%
£53,196 £245,253
-
Profit before tax
+356.5%
£54,585 £249,178
-
Wages
+69.7%
£237,397 £402,851
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