UK Companies House feature
PROJECT FINLAND TOPCO LIMITED
Profile
- Company number
- 09959655
- Status
- Active
- Incorporation
- 2016-01-20
- Last accounts made up
- 2024-12-31
- Account category
- GROUP
- Primary SIC
- 66190
- Hubs
- UK Fintech
Accounts
Pending extraction
Audit & accounting basis
From AI-extracted PDF accounts
- Accounting basis
- IFRS
- Reporting scope
- Consolidated (group)
- Auditor
- BDO LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“After evaluating this information, market and regulatory data, and leveraging the knowledge and experience of the Group and its markets, the Directors are comfortable that the Group will continue to generate positive cash flow, maintain regulatory capital surpluses, continue operate, comply with its existing financing arrangement and meet its liabilities for at least 12 months from the date of approval of these financial statements. The Directors have assessed that they can rely on the financial and operational support from Mortgage Advice Bureau (Holdings) plc. Accordingly, the Directors continue to adopt the going concern basis for the preparation of the financial statements.”
Subsidiaries
- Project Finland Bidco Limited · 100% held · England, BL6 5UE · Intermediate holding company
- The Fluent Money Group Limited · 100% held · England, BL6 5UE · Intermediate holding company
- Fluent Mortgages Holdings Limited · 100% held · England, BL6 5UE · Intermediate holding company
- Fluent Mortgages Limited · 100% held · England, BL6 5UE · Provision of financial services
- Fluent Mortgages Horwich Limited · 100% held · England, BL6 5UE · Provision of financial services
- Fluent Lifetime Limited · 100% held · England, BL6 5UE · Provision of financial services
- Fluent Money Limited · 100% held · England, BL6 5UE · Provision of financial services
- Fluent Loans Limited · 100% held · England, BL6 5UE · Provision of financial services
- Fluent Bridging Limited · 100% held · England, BL6 5UE · Provision of financial services
Significant events
- “In June 2025, the Company declared and paid a dividend of £2.9m to its shareholders.”
- “In August 2025, the Company declared and paid a dividend of £0.7m to its shareholders.”
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
5 active · 12 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| BRODNICKI, Peter Christopher Steven | Director | 2022-07-11 | May 1962 | British |
| BURGAUD MCCARTHY, Emilie Nadia Marcelline | Director | 2024-06-18 | Dec 1980 | French |
| FORD, Paul Brendon | Director | 2016-02-29 | Jun 1977 | British |
| MOORE, Simon Andrew | Director | 2016-02-29 | Aug 1973 | British |
| WHEELDON, Timothy Allen | Director | 2016-02-29 | Sep 1966 | British |
Show 12 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| HOLLER, Fabien Benjamin | Secretary | 2022-07-11 | 2024-06-30 |
| ALMOND, Stuart Lee | Director | 2016-08-22 | 2022-07-11 |
| CARTWRIGHT, Ben Joseph | Director | 2017-06-14 | 2022-07-11 |
| HINDLEY, Kevin | Director | 2016-02-29 | 2023-11-27 |
| HUGGINS, Mark | Director | 2016-02-29 | 2018-04-25 |
| KILGALLON, Mark | Director | 2016-08-22 | 2022-07-11 |
| MARSH, Andrew Neil | Director | 2016-01-20 | 2022-07-11 |
| RUDD, Adam James | Director | 2016-01-20 | 2017-06-14 |
| TAYLOR, Garry Peter Lee | Director | 2018-02-17 | 2020-01-06 |
| THOMPSON, Benjamin David | Director | 2022-07-11 | 2025-12-31 |
| TILLEY, Lucy Claire | Director | 2022-07-11 | 2024-06-07 |
| WHEELDON, Nuala | Director | 2016-02-29 | 2016-08-12 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Mortgage Advice Bureau Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2022-07-11 | Active |
| Beech Tree Private Equity Partners (Gp) Limited As General Partner Of Beech Tree Private Equity Partners, L.P. | Corporate entity | Shares 25–50%, Voting 25–50%, Appoints directors | 2016-04-06 | Ceased 2022-07-11 |
Filing timeline
Last 20 of 79 total filings
| Date | Type | Category | Description |
|---|---|---|---|
| 2026-04-17 | MR01 | mortgage | mortgage create with deed with charge number charge creation date |
| 2026-01-09 | TM01 | officers | termination director company with name termination date |
| 2025-11-12 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2025-10-01 | AA | accounts | accounts with accounts type group |
| 2024-11-13 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2024-10-24 | AA | accounts | accounts with accounts type group |
| 2024-08-15 | TM02 | officers | termination secretary company with name termination date |
| 2024-06-27 | AP01 | officers | appoint person director company with name date |
| 2024-06-14 | TM01 | officers | termination director company with name termination date |
| 2024-03-19 | CS01 | confirmation-statement | confirmation statement with updates |
| 2023-11-27 | TM01 | officers | termination director company with name termination date |
| 2023-11-16 | AA | accounts | accounts with accounts type group |
| 2023-03-16 | CS01 | confirmation-statement | confirmation statement with updates |
| 2023-02-02 | CS01 | confirmation-statement | confirmation statement with updates |
| 2023-01-04 | AA | accounts | accounts with accounts type group |
| 2022-12-06 | RESOLUTIONS | resolution | resolution |
| 2022-12-06 | MA | incorporation | memorandum articles |
| 2022-09-27 | MR01 | mortgage | mortgage create with deed with charge number charge creation date |
| 2022-08-16 | SH01 | capital | capital allotment shares |
| 2022-08-16 | SH02 | capital | capital alter shares subdivision |
Credit score
Altman Z″ — composite of working capital, retained earnings, EBIT, and leverage
Activity Score
Filings velocity, capital events, officer churn, accounts trajectory