UK Companies House feature
INSPIRED LENDING LIMITED
Cash
£1K
-67.5% vs 2024
Net assets
-£445K
-81.4% vs 2024
Employees
5
0% vs 2024
Profit before tax
-£200K
+18.7% vs 2024
Profile
- Company number
- 15063010
- Status
- Active
- Incorporation
- 2023-08-10
- Last accounts made up
- 2025-04-30
- Account category
- FULL
- Primary SIC
- 66190
- Hubs
- UK Fintech
Net assets
2-year trend · vs UK Fintech median
Accounts
2-year trend · latest 2025-04-30
| Metric | Trend | 2024-04-30 | 2025-04-30 |
|---|---|---|---|
| Turnover | £25,792 | £250,333 | |
| Operating profit | -£242,834 | -£184,877 | |
| Profit before tax | -£245,364 | -£199,575 | |
| Net profit | -£245,364 | -£199,575 | |
| Cash | £3,512 | £1,143 | |
| Total assets less current liabilities | -£245,264 | -£444,839 | |
| Net assets | -£245,264 | -£444,839 | |
| Equity | -£245,264 | -£444,839 | |
| Average employees | 5 | 5 | |
| Wages | £176,224 | £298,979 |
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
- Gravita Audit II Limited
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The accounts have been prepared on a going concern basis even though the company has net liabilities of £444,839 (2024: £245,264). The validity of the going concern concept is dependent on the continuing support from creditors. The directors believe that the going concern concept is applicable as the company will be able to meet its debts as and when they fall due as they are confident that the principal creditors will continue to provide the support as required for a period of at least 12 months from the date of approval of the financial statements.”
Subsidiaries
- Inspired Lending (No.1) Limited · 100% held · UK · To provide secured bridging loans
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 · 1 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| BENNETT, William | Secretary | 2023-08-10 | — | — |
| BAKER, Michael Terence | Director | 2023-11-02 | Apr 1961 | Irish |
| DIAMOND, Gavin Roland | Director | 2023-08-10 | Mar 1975 | British |
| ROSE, Jonathan Winston | Director | 2023-11-02 | May 1973 | British |
Show 1 resigned officer
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| SHAW, Ian Jonathan | Director | 2023-08-24 | 2026-01-23 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| The Bank Of N T Butterfield & Son Limited | Corporate entity | Shares 50–75%, Voting 50–75%, Appoints directors | 2023-08-25 | Ceased 2023-12-18 |
| W F B Cosec Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2023-08-10 | Ceased 2023-08-25 |
Filing timeline
Last 20 of 26 total filings
| Date | Type | Category | Description |
|---|---|---|---|
| 2026-01-28 | AA | accounts | accounts with accounts type full |
| 2026-01-23 | TM01 | officers | termination director company with name termination date |
| 2025-08-15 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2025-01-29 | AA | accounts | accounts with accounts type full |
| 2024-11-19 | CH01 | officers | change person director company with change date |
| 2024-08-21 | CS01 | confirmation-statement | confirmation statement with updates |
| 2024-04-02 | AD01 | address | change registered office address company with date old address new address |
| 2024-01-26 | PSC08 | persons-with-significant-control | notification of a person with significant control statement |
| 2024-01-17 | PSC07 | persons-with-significant-control | cessation of a person with significant control |
| 2023-12-30 | RESOLUTIONS | resolution | resolution |
| 2023-12-30 | MA | incorporation | memorandum articles |
| 2023-12-17 | SH08 | capital | capital name of class of shares |
| 2023-12-16 | SH10 | capital | capital variation of rights attached to shares |
| 2023-12-16 | SH10 | capital | capital variation of rights attached to shares |
| 2023-12-07 | AA01 | accounts | change account reference date company current shortened |
| 2023-12-07 | AP01 | officers | appoint person director company with name date |
| 2023-12-07 | AP01 | officers | appoint person director company with name date |
| 2023-12-05 | MR01 | mortgage | mortgage create with deed with charge number charge creation date |
| 2023-09-04 | PSC05 | persons-with-significant-control | change to a person with significant control |
| 2023-09-04 | SH01 | capital | capital allotment shares |
Credit score
Altman Z″ (private-firm) · reference 2025-04-30
-77.30
DISTRESS
Altman Z″
- Working capital / Total assets -8.165 × 6.56 = -53.56
- Retained earnings / Total assets 0.000 × 3.26 = +0.00
- EBIT / Total assets -3.394 × 6.72 = -22.80
- Book equity / Total liabilities -0.891 × 1.05 = -0.94
Bands: > 2.6 safe · 1.1–2.6 grey · < 1.1 distress. Z″ is a public-formula baseline, not a substitute for adverse-data signals (CCJs, charges, gazette notices) — those land in a later pass.
Activity Score
Filings velocity, capital events, officer churn, accounts trajectory