INCLUSIVE FINANCE LIMITED

Latest accounts filed cover 2024-12-31; financial figures currently reflect up to 2021-12-31.

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

Accounting basis

IFRS

Reporting scope

Consolidated group

Auditor

Deloitte LLP

Audit opinion

Unqualified (clean)

Going concern

Affirmed

“When considering the results of the stress testing of the business plan projections and giving due consideration to the factors set out above, the Directors affirm the Group's ability to continue as a going concern for at least twelve months from the date of signing of these financial statements. The Board has a reasonable expectation that the Group will be able to execute the base case business plan and to continue in business for the foreseeable future. The Group has a supportive investor base as evidenced by its strong track record of fundraising to support its growth trajectory and firmly believes that this capacity to raise capital is stronger than ever having reached break even and demonstrated the capacity of the Company to trade profitably. Thus, they continue to adopt the going concern basis of accounting in preparing the financial statements.”

Group structure

1. INCLUSIVE FINANCE LIMITED · parent
   1. Inclusive Finance Growth Limited 100% · England · Funding vehicle
   2. Creditspring Limited 100% · England · Dormant
   3. Creditspring Inc 100% · USA · Dormant
   4. Kester Services Private Limited 99.99% · India · BPO centre (customer operations)

Significant events

• “On 10 January 2025, the debt securities issued in December 2024 described in note 16 were admitted to the Official List of The International Stock Exchange (TISE) (Guernsey).”
• “On 5 February 2025 the Company allotted 57,091 Growth Shares of £0.0001 each to its staff at nominal value as part of its ongoing share incentive program.”
• “In April 2025, the maximum commitment of the senior debt facility obtained from Fortress (as described in note 16 above) was increased from £75 million to £100 million.”
• “On 20 June 2025, the Company entered into a loan agreement (note purchase agreement) with Park View SPV I in total amount of £25 million.”
• “On 6 August 2025, £4.4 million of loan notes issued by the Company previously admitted to TISE in August 2024 were delisted, leaving £750,000 of these loan notes listed.”

Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers

Filings

8

last 12 months

Capital events

1

last 24 months

Officers appointed

0

last 12 months

Officers resigned

0

last 12 months

Direct counts from the register. No score, no rating — see the Filing timeline for the underlying events.

• Turnover

  —

  Not reported

• Cash

  -76.5%

  £3,888,070 → £912,663

• Net assets

  -152.3%

  -£3,938,494 → -£9,938,143

• Employees

  +61.5%

  13 → 21

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