UK Companies House feature
GUARDIAN FINANCIAL SERVICES LIMITED
Profile
- Company number
- 11115769
- Status
- Active
- Incorporation
- 2017-12-18
- Last accounts made up
- 2024-12-31
- Account category
- FULL
- Primary SIC
- 64999
- Hubs
- UK Fintech
Accounts
Pending extraction
Audit & accounting basis
From AI-extracted PDF accounts
- Accounting basis
- IFRS
- Reporting scope
- Standalone (parent only)
- Auditor
- BDO LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Material uncertainty disclosed
“It should be noted that the letter of support provided by its Parent Company is not a guarantee and, if the Parent Company were to withdraw its support the Company would need to obtain alternative funding. These conditions represent a material uncertainty that may cast significant doubt on the Company's ability to continue as a going concern and therefore that it might be unable to realise its assets and discharge its liabilities in the ordinary course of business.”
Significant events
- “In 2024 the business is still growing, increasing its distribution of profitable new business and growing market share in difficult market conditions. The increased total comprehensive loss for the year-end 31 December 2024 compared to the year-ended 31 December 2023 relates substantially to restructuring costs of £1.1m to optimise the business' operating model recognised within administrative expenses inclusive of the 10% mark up.”
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 · 3 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| HOOD, Carlton James | Director | 2025-05-01 | Mar 1971 | British |
| MANN, Peter | Director | 2018-01-24 | Feb 1958 | British |
| MCKELVEY, Kenneth John | Director | 2023-01-11 | Nov 1956 | British |
| PUNTER, Jonathan Dominic | Director | 2017-12-18 | May 1957 | British |
Show 3 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| NASH, Ian Eric | Secretary | 2017-12-18 | 2025-07-31 |
| DAVIS, Simon John | Director | 2017-12-18 | 2019-07-05 |
| SAMUELS, James Anthony Angus | Director | 2017-12-18 | 2023-01-11 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Punter Southall Group Limited | Corporate entity | Shares 50–75%, Voting 50–75% | 2017-12-18 | Ceased 2017-12-18 |
| Ggh (Jersey) Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2017-12-18 | Active |
Filing timeline
Last 20 of 34 total filings
| Date | Type | Category | Description |
|---|---|---|---|
| 2025-12-23 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2025-09-17 | AA | accounts | accounts with accounts type full |
| 2025-08-20 | CH01 | officers | change person director company with change date |
| 2025-08-01 | TM02 | officers | termination secretary company with name termination date |
| 2025-05-07 | AP01 | officers | appoint person director company with name date |
| 2025-05-01 | MR01 | mortgage | mortgage create with deed with charge number charge creation date |
| 2024-12-23 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2024-10-07 | AA | accounts | accounts with accounts type full |
| 2023-12-27 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2023-09-12 | CH01 | officers | change person director company with change date |
| 2023-07-05 | AA | accounts | accounts with accounts type full |
| 2023-01-12 | AP01 | officers | appoint person director company with name date |
| 2023-01-12 | TM01 | officers | termination director company with name termination date |
| 2022-12-28 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2022-08-22 | AA | accounts | accounts with accounts type full |
| 2021-12-29 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2021-09-23 | AA | accounts | accounts with accounts type full |
| 2020-12-29 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2020-10-02 | AA | accounts | accounts with accounts type full |
| 2019-12-30 | CS01 | confirmation-statement | confirmation statement with updates |
Credit score
Altman Z″ — composite of working capital, retained earnings, EBIT, and leverage
Activity Score
Filings velocity, capital events, officer churn, accounts trajectory