TIME FOR ADVICE LIMITED
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Cash
£166K
-51.3% lowest in 3 filed years
Net assets
-£819K
-124.4% lowest in 3 filed years
Employees
51
-20.3% lowest in 3 filed years
Profit before tax
-£600K
+46.2% highest in 3 filed years
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
Material uncertainty over going concern
Whilst the Company made a loss in both 2025 and 2024, IntegraFin Services Limited (ISL) has provided a loan facility of up to £1.5 million and IntegraFin Holdings plc (IHP) has injected a further £1.0m of capital. Should the Company be unable to meet its obligations independently, IHP will provide the necessary support.
-
Going-concern uncertainty disclosed
-
Negative shareholders' funds
Net assets
3-year trend · vs Technology median
Accounts
3-year trend · Δ = latest vs prior filed period · latest reflected 2025-09-30
| Metric | Trend | 2023-09-30 | 2024-09-30 | 2025-09-30 | Δ vs prior |
|---|---|---|---|---|---|
| Turnover | £4,792,000 | £4,891,000 | £5,011,000 | +2.5% | |
| Operating profit | -£1,443,000 | -£1,071,000 | -£484,000 | +54.8% | |
| Profit before tax | -£1,463,000 | -£1,115,000 | -£600,000 | +46.2% | |
| Net profit | -£979,000 | -£931,000 | -£454,000 | +51.2% | |
| Cash | £548,000 | £341,000 | £166,000 | -51.3% | |
| Total assets less current liabilities | £566,000 | £380,000 | £421,000 | +10.8% | |
| Net assets | £566,000 | -£365,000 | -£819,000 | -124.4% | |
| Equity | £566,000 | -£365,000 | -£819,000 | -124.4% | |
| Average employees | 74 | 64 | 51 | -20.3% | |
| Wages | £3,330,000 | £2,899,000 | £2,563,000 | -11.6% | |
| Directors' remuneration | £411,000 | £302,000 | £364,000 | +20.5% |
Values shown as filed in the company's annual accounts. — indicates the figure wasn't present under that line item in that period. The Δ column is the change from the prior filed period as a percentage of |prior|; lines a company doesn't report show —. About these numbers
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2023-09-30 | 2024-09-30 | 2025-09-30 |
|---|---|---|---|---|
| Operating margin | -30.1% | -21.9% | -9.7% | |
| Net margin | -20.4% | -19.0% | -9.1% | |
| Return on capital employed | -254.9% | -281.8% | -115.0% | |
| Gearing (liabilities / total assets) | — | — | 161.3% | |
| Current ratio | 1.49x | 1.17x | 1.24x | |
| Interest cover | -72.15x | -24.34x | -4.17x |
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
- Material uncertainty disclosed
“Whilst the Company made a loss in both 2025 and 2024, IntegraFin Services Limited (ISL) has provided a loan facility of up to £1.5 million and IntegraFin Holdings plc (IHP) has injected a further £1.0m of capital. Should the Company be unable to meet its obligations independently, IHP will provide the necessary support.”
Significant events
- “Subsequent to the reporting date, the parent company Integrafin Holdings plc, injected additional capital of £1.0 million into the Company. This capital injection is intended to strengthen the Company's financial position and support ongoing operational requirements. The transaction will be reflected in the next reporting period.”
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 85 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-06-07 | AA | accounts | Accounts with accounts type full | |
| 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 |
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.