GEMBA FINANCE LTD
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Next accounts due
2026-09-30 (in 4mo)
Last filed for 2024-12-31
Confirmation statement due
2026-08-27 (in 3mo)
Last made up 2025-08-13
Watchouts
None on the register
Cash
£173K
+154.3% highest in 7 filed years
Net assets
£217K
+11.6% vs 2023
Employees
12
0% vs 2023
Profit before tax
-£1M
-140.4% lowest in 4 filed years
Net assets
7-year trend · vs Technology median
Accounts
7-year trend · latest reflected 2024-12-31
| Metric | Trend | 2020-10-31 | 2020-11-01 | 2021-10-31 | 2022-10-31 | 2022-11-01 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|---|---|---|---|---|
| Turnover | — | — | £57,921 | £424,406 | — | £744,854 | £305,892 | |
| Operating profit | — | — | -£297,740 | -£163,155 | — | -£510,272 | -£1,224,030 | |
| Profit before tax | — | — | -£306,227 | -£194,290 | — | -£521,633 | -£1,253,800 | |
| Net profit | — | — | -£306,227 | -£194,290 | — | -£521,633 | -£1,253,800 | |
| Cash | £941 | £941 | £591 | £9,185 | £7,883 | £68,161 | £173,321 | |
| Total assets less current liabilities | £126,626 | — | £588,520 | £394,230 | — | £194,572 | £217,239 | |
| Net assets | — | — | £588,520 | £394,230 | — | £194,572 | £217,239 | |
| Equity | £126,626 | £126,626 | £588,520 | £394,230 | £338,328 | £194,572 | £217,239 | |
| Average employees | 3 | — | 7 | 11 | — | 12 | 12 | |
| Wages | — | — | £138,543 | £244,795 | — | £485,729 | £510,214 |
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
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2020-10-31 | 2020-11-01 | 2021-10-31 | 2022-10-31 | 2022-11-01 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|---|---|---|---|---|
| Operating margin | — | — | -514.0% | -38.4% | — | -68.5% | -400.2% | |
| Net margin | — | — | -528.7% | -45.8% | — | -70.0% | -409.9% | |
| Return on capital employed | — | — | -50.6% | -41.4% | — | -262.3% | -563.4% | |
| Interest cover | — | — | -35.08x | -5.24x | — | -44.91x | -41.11x |
Margins divide P&L lines by turnover. Gearing is liabilities over total assets. Current ratio is current assets over creditors falling due within one year. Interest cover is operating profit over absolute finance costs. Sector-distribution context coming next.
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Standalone (parent only)
- Auditor
- Zenith Audit Ltd
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The financial statements have been prepared on a going concern basis, which assumes that the Company will continue to operate for the foreseeable future. In 2024 the Company incurred a loss for the year of £1,253,800 (2023: £521,633) and had net assets / total equity of £217,239 at 31 December 2024 (2023: £194,572). Management has assessed the Company's ability to continue as a going concern and has considered all relevant information, including the availability of resources, expected cash flows, and future business prospects.”
Group structure
- GEMBA FINANCE LTD · parent
- Gemba Inc 100%
- Gemba Tech Ltd 100%
Significant events
- “Gemba, a prominent Fintech company, has gained significant recognition, including selection as a participant in TechNation Fintech 5.0 and nominated as a Rising Star. Furthermore, Gemba has been selected for the highly competitive JPMorgan Chase FinTech Forward Programme 2025, joining an elite cohort of UK fiintech leaders.”
- “During September 2024, the Company implemented a "white-label" solution that has successfully resulted in the acquisition of a significant number of UK corporate clients. This initiative contributed to a 200% increase in Q4 2024 revenue compared to the prior quarter, with a payments volume exceeding £10 million.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
3 active · 2 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| DEREVIAGIN, Vladimir, Mr. | Director | 2019-06-26 | Sep 1982 | Israeli |
| LATSONS, Ugis, Mr. | Director | 2019-06-26 | Dec 1971 | Latvian |
| LEGOSHIN, Alexander | Director | 2017-10-31 | Apr 1982 | Russian |
Show 2 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| KOLOSOVA, Victoria | Director | 2018-02-01 | 2019-06-26 |
| SLAVA, Eižens | Director | 2018-02-01 | 2019-06-26 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Alexander Legoshin | Individual | Shares 75–100%, Voting 75–100%, Appoints directors | 2017-10-31 | Active |
Filing timeline
Last 20 of 57 total filings
Material constitutional events — rename, articles re-file, resolution
- 2023-11-07 MA Memorandum articles
- 2023-11-07 RESOLUTIONS Resolution
- 2023-11-03 MA Memorandum articles
- 2023-11-03 RESOLUTIONS Resolution
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2025-12-26 | AA | accounts | Accounts with accounts type full | |
| 2025-08-13 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2025-07-30 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2025-06-04 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2025-05-14 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2025-05-02 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2025-03-31 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2025-01-06 | AA | accounts | Accounts with accounts type full | |
| 2024-12-30 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2024-06-18 | AA01 | accounts | Change account reference date company previous extended | |
| 2024-02-07 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2024-02-06 | CH01 | officers | Change person director company with change date | |
| 2024-01-12 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2023-12-01 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2023-11-29 | CH01 | officers | Change person director company with change date | |
| 2023-11-14 | AA | accounts | Accounts with accounts type full | |
| 2023-11-07 | MA | incorporation | Memorandum articles | |
| 2023-11-07 | RESOLUTIONS | resolution | Resolution | |
| 2023-11-03 | MA | incorporation | Memorandum articles | |
| 2023-11-03 | RESOLUTIONS | resolution | Resolution |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 6
- 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
FY2023 → FY2024 · period ending 2024-12-31 vs 2023-12-31
-
Turnover
-58.9%
£744,854 £305,892
-
Cash
+154.3%
£68,161 £173,321
highest in 7 filed years
-
Net assets
+11.6%
£194,572 £217,239
-
Employees
0%
12 12
-
Operating profit
-139.9%
-£510,272 -£1,224,030
lowest in 4 filed years
-
Profit before tax
-140.4%
-£521,633 -£1,253,800
lowest in 4 filed years
-
Wages
+5%
£485,729 £510,214
highest in 4 filed years
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