TIME FOR ADVICE LIMITED
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Next accounts due
2026-06-30 (in 1mo)
Last filed for 2024-09-30
Confirmation statement due
2026-12-12 (in 7mo)
Last made up 2025-11-28
Watchouts
None on the register
Cash
£341K
-37.8% lowest in 4 filed years
Net assets
-£365K
-164.5% lowest in 4 filed years
Employees
64
-13.5% vs 2023
Profit before tax
-£1M
+23.8% vs 2023
Net assets
4-year trend · vs Technology median
Accounts
4-year trend · latest reflected 2024-09-30
| Metric | Trend | 2019-12-31 | 2020-12-31 | 2023-09-30 | 2024-09-30 |
|---|---|---|---|---|---|
| Turnover | — | — | £4,792,000 | £4,891,000 | |
| Operating profit | — | — | -£1,443,000 | -£1,071,000 | |
| Profit before tax | — | — | -£1,463,000 | -£1,115,000 | |
| Net profit | — | — | -£979,000 | -£931,000 | |
| Cash | £410,313 | £702,926 | £548,000 | £341,000 | |
| Total assets less current liabilities | — | — | £566,000 | £380,000 | |
| Net assets | £515,404 | £150,501 | £566,000 | -£365,000 | |
| Equity | £515,404 | £150,501 | £566,000 | -£365,000 | |
| Average employees | 45 | 49 | 74 | 64 | |
| Wages | — | — | £3,330,000 | £2,899,000 | |
| Directors' remuneration | — | — | £411,000 | £302,000 |
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
FY2023 → FY2024 · period ending 2024-09-30 vs 2023-09-30
-
Turnover
+2.1%
£4,792,000 £4,891,000
-
Cash
-37.8%
£548,000 £341,000
lowest in 4 filed years
-
Net assets
-164.5%
£566,000 -£365,000
lowest in 4 filed years
-
Employees
-13.5%
74 64
-
Operating profit
+25.8%
-£1,443,000 -£1,071,000
-
Profit before tax
+23.8%
-£1,463,000 -£1,115,000
-
Wages
-12.9%
£3,330,000 £2,899,000
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 | 2019-12-31 | 2020-12-31 | 2023-09-30 | 2024-09-30 |
|---|---|---|---|---|---|
| Operating margin | — | — | -30.1% | -21.9% | |
| Net margin | — | — | -20.4% | -19.0% | |
| Return on capital employed | — | — | -254.9% | -281.8% | |
| Current ratio | — | — | 1.49x | 1.17x | |
| Interest cover | — | — | -72.15x | -24.34x |
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 1 time since incorporation
- TIME FOR ADVICE LIMITED 2010-06-15 → present
- RS42 LIMITED 2010-04-14 → 2010-06-15
Audit & accounting basis
- Accounting basis
- IFRS
- Reporting scope
- Standalone (parent only)
- Auditor
- Ernst & Young LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The financial statements have been prepared on a going concern basis. After making enquiries and considering the Company's financial position, its business model, strategy and financial forecasts together with its principal risks and uncertainties, the directors have a reasonable expectation that the Company has adequate resources to continue in operation and meet its liabilities as they fall due for at least 12 months from the data of signing the report. The going concern basis of preparation is discussed within note 1 of the financial statements.”
Significant events
- “During the year ended 30 September 2024, the Company delivered strong growth in recurring license revenue, which increased by 11% to £4,496k (FY23: £4,065k). Chargeable users of the Company's CURO software increased by 13% to 3,098 at 30 September 2024 (30 September 2023: 2,752).”
- “The Company's administrative expenses decreased by 4% in FY24 to £5,656k (FY23: £5,875k). This was primarily driven by a decrease in wages and employee benefits expenses which decreased by 13% in FY24 to £3,685k (FY23: £4,238k).”
- “There are no events subsequent to the year-end that require disclosure in, or amendment to, the financial statements.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
5 active · 9 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| FRANKLIN, Robert | Secretary | 2026-01-01 | — | — |
| BRIAN, Richard John | Director | 2019-10-11 | Nov 1969 | British |
| CARRIVICK, Luke Aidan John | Director | 2024-05-13 | Nov 1981 | British |
| DUNBAR, Thomas Graham | Director | 2025-10-01 | Jun 1982 | British |
| SCOTT, Alexander | Director | 2021-01-11 | Mar 1970 | British |
Show 9 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| WAKEFORD, Helen Mary | Secretary | 2021-01-11 | 2026-01-01 |
| DAVIDSON, Judith Mary | Director | 2021-01-11 | 2022-02-11 |
| EVERILL, Jonathon Robert Edwin | Director | 2010-12-15 | 2012-10-19 |
| GUNBY, Jonathan | Director | 2021-01-11 | 2024-09-30 |
| ISAAC, Jane Melanie | Director | 2021-01-11 | 2024-08-15 |
| PHILPOTT, Mitchell | Director | 2010-12-15 | 2025-04-29 |
| RAWICZ-SZCZERBO, Roland | Director | 2010-04-14 | 2024-05-13 |
| TURNER, Mark | Director | 2010-12-15 | 2012-12-11 |
| YOUNG, Paul Alexander | Director | 2010-12-15 | 2012-12-11 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Integrafin Holdings Plc | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2021-01-11 | Active |
| Mr Roland Rawicz-Szczerbo | Individual | Shares 25–50%, Voting 25–50% | 2016-04-06 | Ceased 2021-01-11 |
| Mr Mitchell Philpott | Individual | Shares 25–50%, Voting 25–50% | 2016-04-06 | Ceased 2021-01-11 |
Filing timeline
Last 20 of 84 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-01-07 | AP03 | officers | Appoint person secretary company with name date | |
| 2026-01-06 | TM02 | officers | Termination secretary company with name termination date | |
| 2025-12-12 | SH01 | capital | Capital allotment shares | |
| 2025-12-01 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-11-03 | RP01AP01 | officers | Replacement filing of director appointment with name | |
| 2025-10-22 | AP01 | officers | Appoint person director company with name date | |
| 2025-09-05 | AD01 | address | Change registered office address company with date old address new address | |
| 2025-05-07 | TM01 | officers | Termination director company with name termination date | |
| 2025-03-18 | AA | accounts | Accounts with accounts type full | |
| 2025-01-07 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-09-30 | TM01 | officers | Termination director company with name termination date | |
| 2024-08-21 | TM01 | officers | Termination director company with name termination date | |
| 2024-05-21 | AP01 | officers | Appoint person director company with name date | |
| 2024-05-21 | TM01 | officers | Termination director company with name termination date | |
| 2024-03-11 | AA | accounts | Accounts with accounts type full | |
| 2024-01-09 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-03-03 | AA | accounts | Accounts with accounts type full | |
| 2023-01-03 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-06-21 | CH01 | officers | Change person director company with change date | |
| 2022-03-29 | AA | accounts | Accounts with accounts type full |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 8
- Capital events
- 1
- Officers appointed
- 2
- 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.