UK Companies House feature
BELIEVE SPECIALIST FINANCE LIMITED
Cash
—
Latest balance sheet
Net assets
-£196K
-355.6% vs 2023
Employees
16
+14.3% vs 2023
Profit before tax
—
Period ending 2024-12-31
Profile
- Company number
- 13913115
- Status
- Active
- Incorporation
- 2022-02-14
- Last accounts made up
- 2024-12-31
- Account category
- FULL
- Primary SIC
- 64999
- Hubs
- UK Fintech
Net assets
3-year trend · vs UK Fintech median
Accounts
3-year trend · latest 2024-12-31
| Metric | Trend | 2022-12-31 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|---|
| Turnover | — | — | — | |
| Operating profit | — | — | — | |
| Profit before tax | — | — | — | |
| Net profit | — | -£14,084 | -£153,107 | |
| Cash | — | — | — | |
| Total assets less current liabilities | — | — | — | |
| Net assets | -£28,978 | -£43,062 | -£196,169 | |
| Equity | -£28,978 | -£43,062 | -£196,169 | |
| Average employees | 8 | 14 | 16 | |
| 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)
- Abridged
- Yes — abridged accounts (limited disclosure)
- Auditor
- Hurst Accountants Limited
- Audit opinion
- Unqualified (clean)
- Going concern
- Material uncertainty disclosed
“In 2025 the directors made the decision that the Company would cease trading. As a result, the financial statements have been prepared on a basis other than the going concern basis of preparation.”
Significant events
- “In 2025 the directors made the decision that the Company would cease trading.”
- “On 18 September 2025, Pivotal Growth Limited, a company incorporated in the United Kingdom, acquired 100% of the issued share capital of the Company.”
- “During the year, it was identified that the group within which the company resides had not correctly included VAT on a number of inter-company recharges. As a result, an additional VAT liability has been calculated and a provision recognised in the Group financial statements of £1.2m.”
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
3 active · 1 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| GIBSON, Jeremy Paul | Director | 2026-02-01 | May 1973 | British |
| JOHNSON, Ian William | Director | 2022-02-14 | May 1978 | British |
| WAGSTAFF, Ryan Oliver | Director | 2022-02-14 | Jan 1984 | British |
Show 1 resigned officer
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| DUKE, Michael | Director | 2022-02-14 | 2022-02-14 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Believe Money Group Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2022-02-14 | Active |
Filing timeline
Last 20 of 21 total filings
| Date | Type | Category | Description |
|---|---|---|---|
| 2026-03-26 | CH01 | officers | change person director company with change date |
| 2026-03-04 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2026-02-09 | AP01 | officers | appoint person director company with name date |
| 2026-01-21 | MA | incorporation | memorandum articles |
| 2026-01-08 | RESOLUTIONS | resolution | resolution |
| 2025-12-17 | AA | accounts | accounts with accounts type full |
| 2025-03-21 | CS01 | confirmation-statement | confirmation statement with updates |
| 2024-10-09 | AA | accounts | accounts with accounts type total exemption full |
| 2024-03-05 | CS01 | confirmation-statement | confirmation statement with updates |
| 2024-03-04 | CH01 | officers | change person director company with change date |
| 2023-10-02 | AA | accounts | accounts with accounts type total exemption full |
| 2023-03-13 | PSC02 | persons-with-significant-control | notification of a person with significant control |
| 2023-03-13 | PSC09 | persons-with-significant-control | withdrawal of a person with significant control statement |
| 2023-02-20 | CS01 | confirmation-statement | confirmation statement with updates |
| 2023-02-20 | CH01 | officers | change person director company with change date |
| 2022-02-18 | AA01 | accounts | change account reference date company current shortened |
| 2022-02-18 | CS01 | confirmation-statement | confirmation statement with updates |
| 2022-02-18 | AP01 | officers | appoint person director company with name date |
| 2022-02-18 | AP01 | officers | appoint person director company with name date |
| 2022-02-15 | TM01 | officers | termination director company with name termination date |
Credit score
Altman Z″ — composite of working capital, retained earnings, EBIT, and leverage
Activity Score
Composite activity score · components 0–100 · reference 2026-05-09
27.1
COLD
/ 100
- Filings velocity 50
- Capital events 0
- Officer churn 25
- Headcount trajectory 64
- Accounts trajectory 0
- 6 filing(s) in last 12 months
- 1 appointed, 0 resigned (12mo)
- Employees +14% YoY
- Net Assets -356% YoY