INSPIRED LENDING LIMITED
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Next accounts due
2027-01-31 (in 8mo)
Last filed for 2025-04-30
Confirmation statement due
2026-08-29 (in 3mo)
Last made up 2025-08-15
Watchouts
None on the register
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
Net assets
2-year trend · vs Financials median
Accounts
2-year trend · latest reflected 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 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 | 2024-04-30 | 2025-04-30 |
|---|---|---|---|
| Operating margin | -941.5% | -73.9% | |
| Net margin | -951.3% | -79.7% | |
| Return on capital employed | 99.0% | 41.6% | |
| Interest cover | -95.98x | -12.58x |
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 §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.”
Group structure
- INSPIRED LENDING LIMITED · parent
- Inspired Lending (No.1) Limited 100%
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. 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
Material constitutional events — rename, articles re-file, resolution
- 2023-12-30 RESOLUTIONS Resolution
- 2023-12-30 MA Memorandum articles
| 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 |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 3
- Capital events
- 0
- Officers appointed
- 0
- Officers resigned
- 1
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
FY2024 → FY2025 · period ending 2025-04-30 vs 2024-04-30
-
Turnover
+870.6%
£25,792 £250,333
-
Cash
-67.5%
£3,512 £1,143
-
Net assets
-81.4%
-£245,264 -£444,839
-
Employees
0%
5 5
-
Operating profit
+23.9%
-£242,834 -£184,877
-
Profit before tax
+18.7%
-£245,364 -£199,575
-
Wages
+69.7%
£176,224 £298,979
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