PLUM FINTECH LIMITED
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Next accounts due
2026-12-31 (in 7mo)
Last filed for 2025-03-31
Confirmation statement due
2027-04-17 (in 11mo)
Last made up 2026-04-03
Watchouts
None on the register
Cash
£7M
+231.7% vs 2024
Net assets
-£3M
-374.3% vs 2024
Employees
204
+292.3% vs 2024
Profit before tax
—
Period ending 2025-03-31
Name history
Renamed 1 time since incorporation
- PLUM FINTECH LIMITED 2016-05-17 → present
- VAULTED LIMITED 2016-01-14 → 2016-05-17
Net assets
2-year trend · vs Financials median
Accounts
2-year trend · latest reflected 2025-03-31
| Metric | Trend | 2024-03-31 | 2025-03-31 |
|---|---|---|---|
| Turnover | — | — | |
| Operating profit | — | — | |
| Profit before tax | — | — | |
| Net profit | -£7,916,101 | -£15,116,777 | |
| Cash | £2,032,965 | £6,744,327 | |
| Total assets less current liabilities | £3,042,061 | £6,916,211 | |
| Net assets | -£633,140 | -£3,003,151 | |
| Equity | -£633,140 | -£3,003,151 | |
| Average employees | 52 | 204 | |
| Wages | £4,602,971 | £4,011,900 |
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
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Consolidated group
- Auditor
- Moore Kingston Smith LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The directors have a reasonable expectation that the Group has adequate resources to continue in operational existence for the foreseeable future and therefore continue to adopt the going concern basis of accounting in preparing the financial statements.”
Group structure
- PLUM FINTECH LIMITED · parent
- Saveable Limited 100%
- Plum Fintech Greece Limited 100%
- Plum Fintech CY Limited 100%
- Plum Money CY Limited 100%
- Plum NewCo Limited 100%
- Plum ServCo Limited 100%
- Plum Crypto CY Limited 100%
Significant events
- “In March 2024, the Company launched its market-leading Cash ISA, which grew to over £1.1 billion in AUM by the end of the reporting period.”
- “Over the year, Plum paid £28 million in interest - around four times what a traditional bank would have offered in interest on savings deposits.”
- “With the completion of Plum's Series B fundraising in June 2024, the follow-on crowdfunding round in September 2024, and the refinancing of its venture debt facility with BBVA Spark in March 2025, the Group has reinforced its capital base and secured the resources needed to progress its UK growth plans and accelerate expansion across the EU.”
- “The electronic-money licence granted in November 2025 marks an important step in Plum's regulatory development.”
- “In November 2025 the Company's subsidiary, Plum NewCo Limited, was granted an electronic money licence and is now an authorised electronic money institution, firm reference number 1023776.”
- “In December 2025 a further drawdown of the BBVA loan was completed for the amount for £2.5 million.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
3 active · 2 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| FOTEINAKIS, Apostolos | Director | 2024-07-01 | Feb 1983 | Greek |
| MCLOUGHLIN, Maryam | Director | 2024-12-02 | Mar 1982 | British |
| TROKOUDES, Victor Michael | Director | 2016-01-14 | Feb 1984 | Cypriot |
Show 2 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BELOBERK, Sanjin | Director | 2020-05-26 | 2024-07-01 |
| MICHAEL, Alexandros | Director | 2016-06-14 | 2020-01-17 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Mr Victor Trokoudes | Individual | Voting 25–50% | 2020-01-01 | Ceased 2021-08-10 |
| Mr Victor Trokoudes | Individual | Shares 25–50%, Voting 25–50%, Appoints directors | 2016-04-07 | Ceased 2019-03-11 |
| Mr Alexandros Michael | Individual | Shares 25–50%, Voting 25–50% | 2016-04-07 | Ceased 2018-10-09 |
Filing timeline
Last 20 of 123 total filings
Material constitutional events — rename, articles re-file, resolution
- 2025-04-08 RESOLUTIONS Resolution
- 2024-06-26 MA Memorandum articles
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-04-23 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2026-02-13 | AA | accounts | Accounts with accounts type group | |
| 2025-05-13 | AA | accounts | Accounts with accounts type group | |
| 2025-05-06 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2025-05-05 | AP01 | officers | Appoint person director company with name date | |
| 2025-04-08 | RESOLUTIONS | resolution | Resolution | |
| 2025-04-03 | SH01 | capital | Capital allotment shares | |
| 2025-03-12 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2025-03-06 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2024-10-03 | CH01 | officers | Change person director company with change date | |
| 2024-10-02 | SH01 | capital | Capital allotment shares | |
| 2024-09-03 | SH01 | capital | Capital allotment shares | |
| 2024-07-29 | AA | accounts | Accounts with accounts type group | |
| 2024-07-16 | SH01 | capital | Capital allotment shares | |
| 2024-07-16 | SH01 | capital | Capital allotment shares | |
| 2024-07-15 | SH01 | capital | Capital allotment shares | |
| 2024-07-12 | TM01 | officers | Termination director company with name termination date | |
| 2024-07-10 | AP01 | officers | Appoint person director company with name date | |
| 2024-06-26 | MA | incorporation | Memorandum articles | |
| 2024-04-11 | CS01 | confirmation-statement | Confirmation statement with updates |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 5
- Capital events
- 6
- Officers appointed
- 0
- Officers resigned
- 0
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
FY2024 → FY2025 · period ending 2025-03-31 vs 2024-03-31
-
Turnover
—
Not reported
-
Cash
+231.7%
£2,032,965 £6,744,327
-
Net assets
-374.3%
-£633,140 -£3,003,151
-
Employees
+292.3%
52 204
-
Wages
-12.8%
£4,602,971 £4,011,900
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