GARDX INTERNATIONAL LIMITED
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Next accounts due
2026-09-30 (in 4mo)
Last filed for 2024-12-31
Confirmation statement due
2026-05-15
Overdue
Watchouts
Cash
£139K
Latest balance sheet
Net assets
£234K
first positive since 2024
Employees
64
Average over period
Profit before tax
£392K
first positive since 2024
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
Confirmation statement overdue
Due 2026-05-15.
Net assets
7-year trend · vs Consumer Discretionary median
Accounts
7-year trend · latest reflected 2024-12-31
| Metric | Trend | 2019-05-31 | 2020-05-31 | 2021-05-31 | 2022-05-31 | 2023-05-31 | 2024-05-31 | 2024-12-31 |
|---|---|---|---|---|---|---|---|---|
| Turnover | — | — | — | — | — | £15,863,332 | £10,102,296 | |
| Operating profit | — | — | — | — | — | -£512,520 | £244,795 | |
| Profit before tax | — | — | £410,386 | -£379,120 | -£1,613,374 | -£577,311 | £392,298 | |
| Net profit | — | — | £313,984 | -£275,342 | -£1,359,253 | -£447,272 | £405,098 | |
| Cash | — | — | £1,935,705 | £1,340,411 | £70,999 | £286,974 | £138,958 | |
| Total assets less current liabilities | — | — | £5,613,315 | £5,620,339 | £3,992,233 | £3,106,943 | £4,284,193 | |
| Net assets | — | — | £2,410,317 | £2,134,975 | £275,722 | -£171,550 | £233,548 | |
| Equity | £1,818,610 | £2,096,333 | £2,410,317 | £2,134,975 | £275,722 | -£171,550 | £233,548 | |
| Average employees | — | — | 44 | 67 | 79 | 79 | 64 | |
| Wages | — | — | £711,412 | £1,058,003 | £1,477,468 | £1,693,144 | £804,181 | |
| Directors' remuneration | — | — | £20,735 | £29,083 | £47,500 | £31,858 | £18,958 |
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 → FY2024 · period ending 2024-12-31 vs 2024-05-31
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2019-05-31 | 2020-05-31 | 2021-05-31 | 2022-05-31 | 2023-05-31 | 2024-05-31 | 2024-12-31 |
|---|---|---|---|---|---|---|---|---|
| Operating margin | — | — | — | — | — | -3.2% | 2.4% | |
| Net margin | — | — | — | — | — | -2.8% | 4.0% | |
| Return on capital employed | — | — | — | — | — | -16.5% | 5.7% | |
| Gearing (liabilities / total assets) | — | — | — | — | — | 101.4% | 98.0% | |
| Current ratio | — | — | — | — | — | 1.24x | 1.48x | |
| Interest cover | — | — | — | — | — | -4.72x | 1.16x |
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
- Sumer Audit
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“At the time of approving the financial statements, the directors have a reasonable expectation that the company has adequate resources to continue in operational existence for the foreseeable future. The directors have considered relevant information, including the company's principal risks and uncertainties, the annual budget, forecast future cash flows and the impact of subsequent events in making their assessment. Based on these assessments and having regard to the resources available to the entity, the directors have concluded that there is no material uncertainty in relation to going concern and that they can continue to adopt the going concern basis in preparing the annual report and financial statements.”
Significant events
- “During 2024, however, the Company faced significant challenges following a decision by the Financial Conduct Authority (FCA) which restricted Gardx's ability to sell Guaranteed Asset Protection (GAP) insurance. This regulatory restriction had a material impact on revenues and contributed to the Company reporting a loss for the financial year. In response, the Directors implemented a strategy focused on significantly reducing operational overheads while continuing to drive growth in other revenue streams. This cost control programme has strengthened the Company's underlying operating model. GAP insurance has since been reintroduced, and with the benefits of the cost reduction measures now embedded, the Directors expect the Company to return to profitability and achieve increased revenues during 2025.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
3 active · 4 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| COUTIN, Victor Lloyd | Director | 2016-03-16 | Jun 1991 | British |
| COUTIN, Victor Adolf | Director | 2005-05-27 | Aug 1955 | British |
| TYRE, Stuart | Director | 2023-04-11 | May 1983 | British |
Show 4 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| COUTIN, Julie Suzanne | Secretary | 2008-01-01 | 2009-10-06 |
| WEBB, Martin Keith | Secretary | 2005-05-27 | 2007-12-31 |
| PARAMOUNT COMPANY SEARCHES LIMITED | Corporate Secretary | 2005-05-27 | 2005-05-27 |
| PARAMOUNT PROPERTIES(UK) LIMITED | Corporate Director | 2005-05-27 | 2005-05-27 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Mr Victor Adolf Coutin | Individual | Shares 75–100%, Voting 75–100%, Appoints directors | 2017-04-06 | Ceased 2017-04-06 |
| Gardx Holdings Ltd | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Active |
Filing timeline
Last 20 of 81 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-01-28 | AA | accounts | Accounts with accounts type full | |
| 2025-09-30 | AA01 | accounts | Change account reference date company previous shortened | |
| 2025-05-12 | AA | accounts | Accounts with accounts type full | |
| 2025-05-06 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-08-08 | AA | accounts | Accounts with accounts type full | |
| 2024-08-06 | DISS40 | gazette | Gazette filings brought up to date | |
| 2024-07-30 | GAZ1 | gazette | Gazette notice compulsory | |
| 2024-07-29 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2024-07-09 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2024-06-21 | RP04AR01 | annual-return | Second filing of annual return with made up date | |
| 2024-05-15 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-12-04 | AA | accounts | Accounts with accounts type full | |
| 2023-11-27 | PSC07 | persons-with-significant-control | Cessation of a person with significant control | |
| 2023-11-17 | PSC02 | persons-with-significant-control | Notification of a person with significant control | |
| 2023-08-17 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-08-16 | DISS40 | gazette | Gazette filings brought up to date | |
| 2023-08-11 | DISS16(SOAS) | dissolution | Dissolved compulsory strike off suspended | |
| 2023-07-25 | GAZ1 | gazette | Gazette notice compulsory | |
| 2023-04-24 | AP01 | officers | Appoint person director company with name date | |
| 2023-01-06 | AD01 | address | Change registered office address company with date old address new address |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 4
- Capital events
- 0
- 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.