UK Companies House feature
BELIEVE LOANS LIMITED
Cash
£68K
+77.9% vs 2023
Net assets
-£595K
-177.7% vs 2023
Employees
56
-9.7% vs 2023
Profit before tax
—
Period ending 2024-12-31
Profile
- Company number
- 10712649
- Status
- Active
- Incorporation
- 2017-04-06
- Last accounts made up
- 2024-12-31
- Account category
- FULL
- Primary SIC
- 64922
- Hubs
- UK Fintech
Net assets
6-year trend · vs UK Fintech median
Accounts
6-year trend · latest 2024-12-31
| Metric | Trend | 2020-04-30 | 2020-12-31 | 2021-12-31 | 2022-12-31 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|---|---|---|---|
| Turnover | — | — | — | — | — | — | |
| Operating profit | — | — | — | — | — | — | |
| Profit before tax | — | — | — | — | — | — | |
| Net profit | — | — | — | — | £127,244 | -£1,360,321 | |
| Cash | £222,610 | £8,199 | £253,771 | £26,300 | £38,106 | £67,788 | |
| Total assets less current liabilities | £356,762 | — | — | — | — | — | |
| Net assets | £356,762 | £415,950 | £440,163 | £638,238 | £765,482 | -£594,839 | |
| Equity | £356,762 | £415,950 | £440,163 | £638,238 | £765,482 | -£594,839 | |
| Average employees | 24 | 20 | 26 | 40 | 62 | 56 | |
| Wages | — | — | — | — | — | — |
Values shown as filed in iXBRL accounts. — indicates the figure was not present in the extracted filing (either not filed under that concept or absent from the period). About these numbers
Audit & accounting basis
From AI-extracted PDF accounts
- Accounting basis
- FRS 102 §1A
- Reporting scope
- Standalone (parent only)
- Auditor
- Hurst Accountants Limited
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“On this basis, and after making appropriate enquiries, the directors believe that the company has sufficient funds to be able to meet its financial obligations as they fall due for at least 12 months from the date of approving the financial statements. Accordingly, the directors consider it appropriate to continue to adopt the going concern basis in preparing the financial statements.”
Significant events
- “On 18 September 2025, Pivotal Growth Limited, a company incorporated in the United Kingdom, acquired 100% of the issued share capital of the Company. From that date, Pivotal Growth Limited became the immediate and ultimate controlling party of the Group.”
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
4 active · 2 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| GIBSON, Jeremy Paul | Director | 2025-09-18 | May 1973 | British |
| JOHNSON, Ian William | Director | 2019-03-01 | May 1978 | British |
| PRAKASH, Mayank | Director | 2025-09-18 | Jan 1973 | British |
| WAGSTAFF, Ryan Oliver | Director | 2018-04-19 | Jan 1984 | British |
Show 2 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| DANIELS, Joe | Director | 2017-05-17 | 2018-04-20 |
| RICHARDSON, Graeme Stuart | Director | 2017-04-06 | 2017-05-19 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Believe Money Group Limited | Corporate entity | Shares 75–100%, Voting 75–100% | 2018-04-20 | Active |
| Mr Joe Daniels | Individual | Shares 75–100% | 2017-05-19 | Ceased 2018-04-20 |
| Mr Graeme Stuart Richardson | Individual | Shares 75–100%, Voting 75–100%, Appoints directors | 2017-04-06 | Ceased 2017-05-19 |
Filing timeline
Last 20 of 48 total filings
| Date | Type | Category | Description |
|---|---|---|---|
| 2026-03-26 | CH01 | officers | change person director company with change date |
| 2026-03-26 | CH01 | officers | change person director company with change date |
| 2026-01-21 | MA | incorporation | memorandum articles |
| 2026-01-08 | RESOLUTIONS | resolution | resolution |
| 2025-12-22 | MR01 | mortgage | mortgage create with deed with charge number charge creation date |
| 2025-12-17 | AA | accounts | accounts with accounts type full |
| 2025-12-03 | MR04 | mortgage | mortgage satisfy charge full |
| 2025-10-21 | AP01 | officers | appoint person director company with name date |
| 2025-10-21 | AP01 | officers | appoint person director company with name date |
| 2025-09-05 | MR04 | mortgage | mortgage satisfy charge full |
| 2025-07-11 | CS01 | confirmation-statement | confirmation statement with updates |
| 2025-05-30 | PSC05 | persons-with-significant-control | change to a person with significant control |
| 2025-02-18 | MR01 | mortgage | mortgage create with deed with charge number charge creation date |
| 2024-09-30 | AA | accounts | accounts with accounts type total exemption full |
| 2024-07-23 | CS01 | confirmation-statement | confirmation statement with updates |
| 2023-11-29 | DISS40 | gazette | gazette filings brought up to date |
| 2023-11-28 | GAZ1 | gazette | gazette notice compulsory |
| 2023-11-24 | AA | accounts | accounts with accounts type total exemption full |
| 2023-07-18 | CS01 | confirmation-statement | confirmation statement with updates |
| 2023-07-18 | CH01 | officers | change person director company with change date |
Credit score
Altman Z″ — composite of working capital, retained earnings, EBIT, and leverage
Activity Score
Filings velocity, capital events, officer churn, accounts trajectory