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Next accounts due

2026-10-31 (in 5mo)

Last filed for 2025-01-31

Confirmation statement due

2026-09-22 (in 4mo)

Last made up 2025-09-08

Watchouts

1 item

Cash

£1M

+554.8% vs 2024

Net assets

£5M

+8.2% vs 2024

Employees

138

+3% vs 2024

Profit before tax

£3M

-21.7% vs 2024

Watchouts

Facts from the Companies House register and the latest accounts — not a rating

Accounts

2-year trend · latest reflected 2025-01-31

Metric Trend 2024-01-312025-01-31
Turnover £34,608,939£46,107,590
Operating profit £4,019,036£3,147,457
Profit before tax £4,019,036£3,147,457
Net profit £3,047,803£2,556,401
Cash £202,687£1,327,191
Total assets less current liabilities £4,582,408£4,957,232
Net assets £4,582,408£4,957,232
Equity £4,582,408£4,957,232
Average employees 134138
Wages £6,935,153£7,426,320
Directors' remuneration

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

Year-on-year

FY2024 → FY2025 · period ending 2025-01-31 vs 2024-01-31

Each % is (latest − prior) ÷ |prior| for the line item as filed. The comparison is only shown when the latest and prior accounts cover broadly equal-length periods — short or long stubs (typical around incorporation or a year-end change) are suppressed rather than misrepresented. Lines a company doesn't report are omitted. About these numbers

Ratios

Computed from the line items above — sparklines read oldest → newest

Ratio Trend 2024-01-312025-01-31
Operating margin 11.6%6.8%
Net margin 8.8%5.5%
Return on capital employed 87.7%63.5%
Current ratio 1.65x1.67x

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.

Name history

Renamed 3 times since incorporation

  1. INTELLIGENT LENDING LIMITED 2015-12-15 → present
  2. INTELLIGENT LOANS LIMITED 2015-12-10 → 2015-12-15
  3. THINK LOANS AND MORTGAGES LIMITED 2008-12-22 → 2015-12-10
  4. FRIENDLY LOANS LIMITED 2001-09-21 → 2008-12-22

Audit & accounting basis

Accounting basis
FRS 102
Reporting scope
Standalone (parent only)
Auditor
BDO LLP
Audit opinion
Unqualified (clean)
Going concern
Affirmed

“As a result the directors believe it remains appropriate to prepare the financial statements on a going concern basis.”

Significant events

Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers

People

4 active · 13 resigned

Name Role Appointed Born Nationality
KAY, Simon David Secretary 2026-03-18
DEARDEN, Geoff Director 2015-06-10 May 1969 British
KAY, Simon David Director 2003-04-04 Apr 1968 British
STYLIANOU, Stephen Andrew Director 2004-06-25 May 1969 British
Show 13 resigned officers
Name Role Appointed Resigned
HARRISON, Irene Lesley Nominee Secretary 2001-09-21 2001-09-21
HUGHES, Rachel Secretary 2001-12-15 2002-06-11
HUTCHINGS, Daniel John Secretary 2001-11-10 2001-12-15
KAY, Simon David Secretary 2004-07-07 2015-03-05
SWANN, Ryan David Secretary 2015-03-05 2026-03-18
BUSINESS INFORMATION RESEARCH & REPORTING LTD Corporate Secretary 2001-09-21 2001-12-15
HAMMONDS SECRETARIAL SERVICES LIMITED Corporate Secretary 2003-08-12 2004-07-07
HAMMONDS SECRETARIES LIMITED Corporate Secretary 2002-06-11 2003-08-12
GOUGH, Robert Michael Director 2002-08-16 2003-04-04
HUGHES, Christopher Director 2001-09-21 2002-06-11
WARR, Jonathan Gavin Director 2013-11-20 2024-12-31
BUSINESS INFORMATION RESEARCH & REPORTING LIMITED Corporate Nominee Director 2001-09-21 2001-09-21
HAMMONDS DIRECTORS LIMITED Corporate Director 2002-06-11 2003-08-12

Ownership

Persons with significant control

Name Kind Nature of control Notified Status
Intelligent Lending Group Ltd Corporate entity Shares 75–100%, Voting 75–100%, Appoints directors 2024-08-29 Active
Tmg Holdings 2 Limited Corporate entity Shares 75–100%, Voting 75–100%, Appoints directors 2016-04-06 Ceased 2024-08-29
Alchemy Partners Llp Corporate entity Significant influence 2016-04-06 Ceased 2018-08-07

Filing timeline

Last 20 of 131 total filings

Date Type Category Description
2026-03-19 AP03 officers Appoint person secretary company with name date PDF
2026-03-19 TM02 officers Termination secretary company with name termination date PDF
2026-03-17 AA accounts Accounts with accounts type full
2025-09-09 CS01 confirmation-statement Confirmation statement with no updates PDF
2025-04-22 PSC05 persons-with-significant-control Change to a person with significant control PDF
2025-04-16 AD01 address Change registered office address company with date old address new address PDF
2025-04-15 AD01 address Change registered office address company with date old address new address PDF
2025-02-04 AA accounts Accounts with accounts type full
2025-01-28 TM01 officers Termination director company with name termination date PDF
2024-09-09 CS01 confirmation-statement Confirmation statement with updates PDF
2024-08-30 PSC07 persons-with-significant-control Cessation of a person with significant control PDF
2024-08-30 PSC02 persons-with-significant-control Notification of a person with significant control PDF
2024-04-29 AA accounts Accounts with accounts type full
2023-09-12 CS01 confirmation-statement Confirmation statement with no updates PDF
2023-05-09 AA accounts Accounts with accounts type full
2022-09-08 CS01 confirmation-statement Confirmation statement with updates PDF
2022-06-06 SH01 capital Capital allotment shares PDF
2022-02-02 AA accounts Accounts with accounts type full
2021-12-03 SH01 capital Capital allotment shares PDF
2021-09-08 CS01 confirmation-statement Confirmation statement with updates PDF

Public-record activity

Raw counts from Companies House — last 12–24 months

Filings
4

last 12 months

Capital events
0

last 24 months

Officers appointed
1

last 12 months

Officers resigned
1

last 12 months

Direct counts from the register. No score, no rating — see the Filing timeline for the underlying events.

Official Companies House page