PROSPER SAVINGS LIMITED
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Next accounts due
2027-01-31 (in 8mo)
Last filed for 2025-04-30
Confirmation statement due
2027-01-23 (in 8mo)
Last made up 2026-01-09
Watchouts
Cash
£66K
-96.9% lowest in 4 filed years
Net assets
£860K
-60.1% vs 2022
Employees
8
+300% highest in 4 filed years
Profit before tax
—
Period ending 2023-04-30
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
1 PSC ceased in last 24 months
Significant control changed hands — see the Ownership section.
Name history
Renamed 1 time since incorporation
- PROSPER SAVINGS LIMITED 2023-10-23 → present
- FORMORE TECHNOLOGIES LIMITED 2019-04-03 → 2023-10-23
Net assets
4-year trend · vs Technology median
Accounts
4-year trend · latest reflected 2023-04-30
Latest accounts filed cover 2025-04-30; financial figures currently reflect up to 2023-04-30.
| Metric | Trend | 2020-04-30 | 2021-04-30 | 2022-04-30 | 2023-04-30 |
|---|---|---|---|---|---|
| Turnover | — | — | — | — | |
| Operating profit | — | — | — | — | |
| Profit before tax | — | — | — | — | |
| Net profit | — | — | — | — | |
| Cash | £145,190 | £81,951 | £2,172,886 | £66,467 | |
| Total assets less current liabilities | £139,492 | £71,553 | £2,157,628 | £859,827 | |
| Net assets | — | £71,553 | £2,157,628 | £859,827 | |
| Equity | £139,492 | — | — | — | |
| Average employees | 2 | 1 | 2 | 8 | |
| Wages | — | — | — | — |
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 | 2020-04-30 | 2021-04-30 | 2022-04-30 | 2023-04-30 |
|---|---|---|---|---|---|
| Current ratio | — | 7.88x | 128.81x | 22.08x |
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
- Moore Kingston Smith LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The directors have assessed the company's ability to continue as a going concern and are satisfied that it has adequate resources, including committed third-party funding, to meet its obligations for at least twelve months from the date of approval of the financial statements. Accordingly, the financial statements have been prepared on a going concern basis.”
Significant events
- “significant growth in its business, with total assets under administration (AUA) increasing by 1,737% and customers with funded accounts increasing by 1,811%”
- “successful launch of new savings products, S/EIS funds and an improved digital experience.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
2 active · 4 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| KNOX, Frederick Samuel, Mr. | Director | 2019-09-20 | Jan 1975 | British |
| PERRETT, Nicholas Simon | Director | 2021-07-08 | Nov 1974 | British |
Show 4 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BARBOUR, Matthew Clive | Director | 2019-10-10 | 2020-11-20 |
| KENT, Alexandra Anne | Director | 2019-04-03 | 2019-09-20 |
| KENT, Michael David Fletcher | Director | 2019-09-20 | 2022-09-18 |
| KNOX, Georgina Lila | Director | 2019-04-03 | 2019-09-20 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Mr Nicholas Simon Perrett | Individual | Shares 50–75%, Voting 50–75% | 2022-10-14 | Ceased 2024-08-09 |
| Mr Nicholas Simon Perrett | Individual | Shares 25–50%, Voting 25–50% | 2021-06-28 | Ceased 2022-03-08 |
| Mr Michael John Perrett | Individual | Shares 25–50%, Voting 25–50% | 2021-06-28 | Ceased 2022-03-08 |
| Mr Frederick Samuel Knox | Individual | Shares 25–50%, Voting 25–50%, Appoints directors | 2019-04-05 | Ceased 2021-06-25 |
| Mr Michael David Fletcher Kent | Individual | Shares 25–50%, Voting 25–50%, Appoints directors | 2019-04-05 | Ceased 2021-06-25 |
| Alexandra Anne Kent | Individual | Shares 25–50%, Voting 25–50% | 2019-04-03 | Ceased 2019-04-05 |
| Georgina Lila Knox | Individual | Shares 25–50%, Voting 25–50% | 2019-04-03 | Ceased 2019-04-05 |
Filing timeline
Last 20 of 79 total filings
Material constitutional events — rename, articles re-file, resolution
- 2025-02-14 RESOLUTIONS Resolution
- 2025-02-14 MA Memorandum articles
- 2024-01-27 MA Memorandum articles
- 2024-01-27 RESOLUTIONS Resolution
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-02-05 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2026-01-08 | AA | accounts | Accounts with accounts type full | |
| 2025-12-15 | SH01 | capital | Capital allotment shares | |
| 2025-08-07 | PSC08 | persons-with-significant-control | Notification of a person with significant control statement | |
| 2025-08-07 | AD01 | address | Change registered office address company with date old address new address | |
| 2025-07-29 | PSC07 | persons-with-significant-control | Cessation of a person with significant control | |
| 2025-02-28 | SH01 | capital | Capital allotment shares | |
| 2025-02-14 | RESOLUTIONS | resolution | Resolution | |
| 2025-02-14 | MA | incorporation | Memorandum articles | |
| 2025-01-13 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2024-11-04 | SH01 | capital | Capital allotment shares | |
| 2024-09-10 | SH02 | capital | Capital alter shares subdivision | |
| 2024-08-30 | AA | accounts | Accounts with accounts type full | |
| 2024-08-12 | SH01 | capital | Capital allotment shares | |
| 2024-04-16 | SH01 | capital | Capital allotment shares | |
| 2024-03-12 | SH01 | capital | Capital allotment shares | |
| 2024-02-06 | RP04SH01 | capital | Second filing capital allotment shares | |
| 2024-01-31 | SH01 | capital | Capital allotment shares | |
| 2024-01-27 | MA | incorporation | Memorandum articles | |
| 2024-01-27 | RESOLUTIONS | resolution | Resolution |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 6
- Capital events
- 5
- 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
FY2022 → FY2023 · period ending 2023-04-30 vs 2022-04-30
-
Turnover
—
Not reported
-
Cash
-96.9%
£2,172,886 £66,467
lowest in 4 filed years
-
Net assets
-60.1%
£2,157,628 £859,827
-
Employees
+300%
2 8
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