UK Companies House feature
COVER GENIUS LIMITED
Cash
£2M
+105.8% vs 2020
Net assets
£668K
-51.1% vs 2020
Employees
21
+5% vs 2020
Profit before tax
-£825K
-395.9% vs 2020
Profile
- Company number
- 09408621
- Status
- Active
- Incorporation
- 2015-01-27
- Last accounts made up
- 2024-06-30
- Account category
- FULL
- Primary SIC
- 66220
- Hubs
- UK Fintech
Net assets
2-year trend · vs UK Fintech median
Accounts
2-year trend · latest 2021-06-30
| Metric | Trend | 2020-06-30 | 2021-06-30 |
|---|---|---|---|
| Turnover | £2,548,255 | £1,561,986 | |
| Operating profit | -£147,200 | -£798,319 | |
| Profit before tax | -£166,453 | -£825,408 | |
| Net profit | — | — | |
| Cash | £1,058,740 | £2,178,912 | |
| Total assets less current liabilities | £1,381,607 | £2,667,552 | |
| Net assets | £1,365,253 | £667,552 | |
| Equity | £1,365,253 | £667,552 | |
| Average employees | 20 | 21 | |
| 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
- IFRS
- Reporting scope
- Standalone (parent only)
- Auditor
- Ernst & Young LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The directors have assessed the Company's ability to continue as a going concern and has a reasonable expectation that the Company has adequate resources to continue in operational existence for at least 12 months from the date of signing these financial statements.”
Subsidiaries
- Cover Genius Holdings Pty Ltd · Australia
Significant events
- “On the 20 August 2024 a charge was registered by HSBC Ventures USA Inc. over the Company. The charge included fixed charges, floating charges, negative pledge clauses and is held over the assets of the Company.”
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
3 active · 14 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| CSC CLS (UK) LIMITED | Corporate Secretary | 2025-08-27 | — | — |
| CLARKE, Ella Mary | Director | 2025-09-01 | Apr 1991 | British,Australian |
| RITTINGER, Darcy | Director | 2025-02-07 | Mar 1979 | American |
Show 14 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| DEAN, Graeme John | Secretary | 2015-01-27 | 2024-08-30 |
| SUTCLIFFE, Anthony | Secretary | 2016-03-16 | 2019-09-30 |
| CORPORATION SERVICE COMPANY (UK) LIMITED | Corporate Secretary | 2024-08-30 | 2025-08-27 |
| BAYLEY, Chris Robert | Director | 2016-02-01 | 2016-02-22 |
| BAYLEY, Chris Robert | Director | 2015-04-15 | 2015-06-01 |
| BAYLEY, Chris Robert | Director | 2015-01-27 | 2015-03-10 |
| BAYLEY, Christopher Robert | Director | 2019-09-30 | 2023-12-31 |
| BOND, David Alan | Director | 2015-03-10 | 2017-03-01 |
| DEAN, Graeme John | Director | 2015-01-27 | 2025-02-07 |
| MCDONALD, Angus James Ridley | Director | 2019-09-30 | 2025-02-07 |
| SUTCLIFFE, Anthony Joel | Director | 2019-10-15 | 2020-05-12 |
| SUTCLIFFE, Anthony | Director | 2019-09-30 | 2019-10-15 |
| SUTCLIFFE, Anthony | Director | 2016-03-17 | 2019-09-30 |
| SUTCLIFFE, Anthony | Director | 2016-03-16 | 2016-03-17 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Mr Chrisopher Robert Bayley | Individual | ownership-of-shares-25-to-50-percent-as-trust | 2016-04-06 | Ceased 2020-03-02 |
| Mr Angus James Mcdonald | Individual | ownership-of-shares-25-to-50-percent-as-trust | 2016-04-06 | Ceased 2020-03-02 |
| Mrs Lee Vouch Sar | Individual | ownership-of-shares-25-to-50-percent-as-trust | 2016-04-06 | Ceased 2020-03-02 |
| Cover Genius Holdings Pty Ltd | Corporate entity | Shares 75–100% | 2016-04-06 | Ceased 2020-03-02 |
Filing timeline
Last 20 of 87 total filings
| Date | Type | Category | Description |
|---|---|---|---|
| 2025-10-08 | AA | accounts | accounts with accounts type full |
| 2025-09-22 | AP04 | officers | appoint corporate secretary company with name date |
| 2025-09-22 | TM02 | officers | termination secretary company with name termination date |
| 2025-09-22 | AD01 | address | change registered office address company with date old address new address |
| 2025-09-03 | AP01 | officers | appoint person director company with name date |
| 2025-08-22 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2025-02-14 | TM01 | officers | termination director company with name termination date |
| 2025-02-13 | AP01 | officers | appoint person director company with name date |
| 2025-02-13 | TM01 | officers | termination director company with name termination date |
| 2024-12-12 | AD01 | address | change registered office address company with date old address new address |
| 2024-09-17 | AP04 | officers | appoint corporate secretary company with name date |
| 2024-09-17 | TM02 | officers | termination secretary company with name termination date |
| 2024-09-04 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2024-08-28 | MR01 | mortgage | mortgage create with deed with charge number charge creation date |
| 2024-08-19 | AA | accounts | accounts with accounts type full |
| 2024-01-15 | TM01 | officers | termination director company with name termination date |
| 2023-09-05 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2023-09-05 | CH01 | officers | change person director company with change date |
| 2023-08-11 | MR01 | mortgage | mortgage create with deed with charge number charge creation date |
| 2023-08-10 | MR04 | mortgage | mortgage satisfy charge full |
Credit score
Altman Z″ (private-firm) · reference 2021-06-30
1.78
GREY ZONE
Altman Z″
- Working capital / Total assets 0.371 × 6.56 = +2.43
- Retained earnings / Total assets 0.000 × 3.26 = +0.00
- EBIT / Total assets -0.114 × 6.72 = -0.77
- Book equity / Total liabilities 0.106 × 1.05 = +0.11
Bands: > 2.6 safe · 1.1–2.6 grey · < 1.1 distress. Z″ is a public-formula baseline, not a substitute for adverse-data signals (CCJs, charges, gazette notices) — those land in a later pass.
Activity Score
Composite activity score · components 0–100 · reference 2026-05-10
37.4
COLD
/ 100
- Filings velocity 50
- Capital events 0
- Officer churn 75
- Headcount trajectory 55
- Accounts trajectory 11
- 6 filing(s) in last 12 months
- 2 appointed, 1 resigned (12mo)
- Employees +5% YoY
- Turnover -39% YoY