PROJECT FINLAND TOPCO LIMITED
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Next accounts due
2026-09-30 (in 4mo)
Last filed for 2024-12-31
Confirmation statement due
2026-11-26 (in 6mo)
Last made up 2025-11-12
Watchouts
None on the register
Accounts
Audit & accounting basis
- 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.”
Group structure
- PROJECT FINLAND TOPCO LIMITED · parent
- Project Finland Bidco Limited 100%
- The Fluent Money Group Limited 100%
- Fluent Mortgages Holdings Limited 100%
- Fluent Mortgages Limited 100%
- Fluent Mortgages Horwich Limited 100%
- Fluent Lifetime Limited 100%
- Fluent Money Limited 100%
- Fluent Loans Limited 100%
- Fluent Bridging Limited 100%
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 and subsidiary information is drawn from the narrative of the latest annual accounts. 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
Material constitutional events — rename, articles re-file, resolution
- 2022-12-06 RESOLUTIONS Resolution
- 2022-12-06 MA Memorandum articles
| 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 |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 4
- Capital events
- 0
- Officers appointed
- 0
- 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
Latest filed period vs the prior one