SPARK FINANCE LTD
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Next accounts due
2026-12-31 (in 7mo)
Last filed for 2025-03-31
Confirmation statement due
2027-02-12 (in 9mo)
Last made up 2026-01-29
Watchouts
None on the register
Cash
£60K
+166.7% highest in 3 filed years
Net assets
£73K
+168.7% highest in 4 filed years
Employees
16
+33.3% highest in 4 filed years
Profit before tax
£156K
+226.2% vs 2024
Name history
Renamed 2 times since incorporation
- SPARK FINANCE LTD 2023-09-11 → present
- JD CAPITAL FINANCE LIMITED 2018-02-19 → 2023-09-11
- JD SPECIALIST CONSULTANTS LIMITED 2016-04-15 → 2018-02-19
Net assets
6-year trend · vs Financials median
Accounts
6-year trend · latest reflected 2025-03-31
| Metric | Trend | 2020-04-30 | 2021-04-30 | 2022-04-30 | 2023-03-31 | 2024-03-31 | 2025-03-31 |
|---|---|---|---|---|---|---|---|
| Turnover | — | — | — | — | — | — | |
| Operating profit | — | — | — | — | — | — | |
| Profit before tax | — | — | — | — | -£123,947 | £156,462 | |
| Net profit | — | — | — | — | -£123,947 | £179,099 | |
| Cash | — | £45,867 | — | — | £22,603 | £60,288 | |
| Total assets less current liabilities | £22,165 | £66,999 | — | — | — | — | |
| Net assets | £22,165 | £17,560 | — | — | -£106,143 | £72,956 | |
| Equity | £22,165 | £17,560 | — | — | -£106,143 | £72,956 | |
| Average employees | 5 | 8 | — | — | 12 | 16 | |
| Wages | — | — | — | — | £629,479 | £894,512 |
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
- M J Bushell Audit LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The Director has prepared forecasts and considered a variety of different scenarios. In preparing these scenarios, the Director has considered the current level of leads, conversion rates and actual results to date. In all scenarios the Director believes that the company has sufficient resources to be able to meet its liabilities as they fall due and have therefore concluded that the going concern basis of accounting is appropriate.”
Significant events
- “The Spark group has continued on our journey to create change in SME lending through innovation.”
- “We have invested in a number of key aspects of our platform, which are referred to in the Research & Development section below.”
- “We have seen record KPI's in almost every measure since 31 March 2025, including the number of opportunities created by our white label partners, revenue for every channel and lender user engagement.”
- “The prior year was our peak loss position as we move towards monthly breakeven in FY26. Revenue significantly increased to £1.95m for the group in the year to March 2025.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
2 active · 0 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| DAVIES, James Daniel | Director | 2016-04-15 | Oct 1987 | British |
| DOBBIN, Julian Clyde | Director | 2023-07-19 | Jul 1977 | British |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Spark Finance Group Plc | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors, right-to-appoint-and-remove-directors-as-firm | 2023-07-19 | Active |
| Mr James Daniel Davies | Individual | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-15 | Ceased 2023-07-19 |
Filing timeline
Last 20 of 37 total filings
Material constitutional events — rename, articles re-file, resolution
- 2023-09-11 CERTNM Certificate change of name company
- 2023-09-11 CONNOT Change of name notice
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-04-13 | PSC05 | persons-with-significant-control | Change to a person with significant control | |
| 2026-02-13 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-09-30 | AA | accounts | Accounts with accounts type full | |
| 2025-02-05 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-10-01 | AA | accounts | Accounts with accounts type full | |
| 2024-04-12 | PSC05 | persons-with-significant-control | Change to a person with significant control | |
| 2024-01-29 | CH01 | officers | Change person director company with change date | |
| 2024-01-29 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2024-01-05 | AA | accounts | Accounts with accounts type total exemption full | |
| 2023-10-24 | AA01 | accounts | Change account reference date company previous shortened | |
| 2023-09-11 | CERTNM | change-of-name | Certificate change of name company | |
| 2023-09-11 | CONNOT | change-of-name | Change of name notice | |
| 2023-08-21 | AD01 | address | Change registered office address company with date old address new address | |
| 2023-07-23 | AP01 | officers | Appoint person director company with name date | |
| 2023-07-23 | PSC02 | persons-with-significant-control | Notification of a person with significant control | |
| 2023-07-23 | PSC07 | persons-with-significant-control | Cessation of a person with significant control | |
| 2023-01-31 | PSC07 | persons-with-significant-control | Cessation of a person with significant control | |
| 2023-01-30 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2022-12-23 | AA | accounts | Accounts with accounts type total exemption full | |
| 2022-12-05 | SH01 | capital | Capital allotment shares |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 3
- Capital events
- 0
- 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
+166.7%
£22,603 £60,288
highest in 3 filed years
-
Net assets
+168.7%
-£106,143 £72,956
highest in 4 filed years
-
Employees
+33.3%
12 16
highest in 4 filed years
-
Profit before tax
+226.2%
-£123,947 £156,462
-
Wages
+42.1%
£629,479 £894,512
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