TANDEM PERSONAL LOANS LIMITED
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Next accounts due
2026-09-30 (in 4mo)
Last filed for 2024-12-31
Confirmation statement due
2026-12-22 (in 7mo)
Last made up 2025-12-08
Watchouts
Cash
£290K
-38.7% vs 2023
Net assets
-£7M
+1.1% vs 2023
Employees
—
Average over period
Profit before tax
£71K
+145% vs 2023
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
Material uncertainty over going concern
The Company is planning to cease operations with a view to winding down its affairs in 2025. As a result of this strategic change, the Directors do not consider the going concern basis to be appropriate and these financial statements have therefore been prepared on a basis other than going concern which includes, where appropriate, the carrying value of the Company's assets approximates net realisable value. Further, fixed assets and non-current liabilities are reclassified as current on the Statement of Financial Position.
Net assets
2-year trend · vs Financials median
Accounts
2-year trend · latest reflected 2024-12-31
| Metric | Trend | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Turnover | — | — | |
| Operating profit | -£158,983 | £71,470 | |
| Profit before tax | -£158,983 | £71,470 | |
| Net profit | -£152,086 | £76,777 | |
| Cash | £472,577 | £289,751 | |
| Total assets less current liabilities | £862,369 | -£7,097,154 | |
| Net assets | -£7,173,931 | -£7,097,154 | |
| Equity | -£7,173,931 | -£7,097,154 | |
| Average employees | — | — | |
| Wages | — | — | |
| 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
FY2023 → FY2024 · period ending 2024-12-31 vs 2023-12-31
-
Turnover
—
Not reported
-
Cash
-38.7%
£472,577 £289,751
-
Net assets
+1.1%
-£7,173,931 -£7,097,154
-
Employees
—
Not reported
-
Operating profit
+145%
-£158,983 £71,470
-
Profit before tax
+145%
-£158,983 £71,470
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 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Return on capital employed | -18.4% | -1.0% | |
| Gearing (liabilities / total assets) | 608.5% | 719.3% | |
| Current ratio | 2.57x | 0.14x | |
| Interest cover | -9.50x | 760.32x |
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
- TANDEM PERSONAL LOANS LIMITED 2023-08-02 → present
- OPLO PL LTD 2020-08-03 → 2023-08-02
- 1ST STOP PERSONAL LOANS LIMITED 2013-11-18 → 2020-08-03
- 1ST STOP GUARANTOR LOANS LIMITED 2013-03-22 → 2013-11-18
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Standalone (parent only)
- Auditor
- PricewaterhouseCoopers LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Material uncertainty disclosed
“The Company is planning to cease operations with a view to winding down its affairs in 2025. As a result of this strategic change, the Directors do not consider the going concern basis to be appropriate and these financial statements have therefore been prepared on a basis other than going concern which includes, where appropriate, the carrying value of the Company's assets approximates net realisable value. Further, fixed assets and non-current liabilities are reclassified as current on the Statement of Financial Position.”
Significant events
- “There were no significant events subsequent to the reporting date impacting the Company.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
3 active · 13 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| MALIK, Marriam | Secretary | 2025-07-01 | — | — |
| BEARD, Stephen John | Director | 2014-06-10 | Apr 1977 | British |
| CHANDLER, Neil | Director | 2025-06-30 | Sep 1971 | British |
Show 13 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| MOLLART, Alexander John | Secretary | 2013-03-22 | 2025-06-30 |
| ALIKER, Susannah Louise | Director | 2022-01-24 | 2022-12-08 |
| BAKER, Stephen Paul | Director | 2017-10-24 | 2022-01-24 |
| BELL, Graham | Director | 2013-03-22 | 2014-02-26 |
| BRODIE, Brian Edward | Director | 2019-06-28 | 2022-01-24 |
| ENRIGHT, David | Director | 2013-03-22 | 2014-02-26 |
| GEORGE, Philip Anthony | Director | 2017-03-21 | 2019-06-28 |
| GRAY, Michael Stuart | Director | 2013-03-22 | 2015-07-22 |
| KELLY, Victoria Anne | Director | 2014-06-10 | 2016-01-15 |
| MOLLART, Alexander John | Director | 2013-03-22 | 2025-06-30 |
| ROBINS, Mark Allan | Director | 2017-03-21 | 2022-03-31 |
| SHARP, Richard Mark | Director | 2020-03-26 | 2022-12-31 |
| WILLS, Stephen Robert | Director | 2013-03-22 | 2015-08-29 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Oplo Group Ltd | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Active |
Filing timeline
Last 20 of 91 total filings
Material constitutional events — rename, articles re-file, resolution
- 2023-08-02 CERTNM Certificate change of name company PDF
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2025-12-08 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2025-07-02 | AP01 | officers | Appoint person director company with name date | |
| 2025-07-01 | AP03 | officers | Appoint person secretary company with name date | |
| 2025-07-01 | TM02 | officers | Termination secretary company with name termination date | |
| 2025-07-01 | TM01 | officers | Termination director company with name termination date | |
| 2025-06-10 | AA | accounts | Accounts with accounts type full | |
| 2025-06-09 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2025-05-01 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2024-12-18 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-08-16 | AA | accounts | Accounts with accounts type full | |
| 2023-12-18 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-11-10 | AA | accounts | Accounts with accounts type full | |
| 2023-08-02 | CERTNM | change-of-name | Certificate change of name company | |
| 2023-03-29 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-01-03 | TM01 | officers | Termination director company with name termination date | |
| 2022-12-19 | TM01 | officers | Termination director company with name termination date | |
| 2022-08-30 | AA | accounts | Accounts with accounts type full | |
| 2022-07-19 | CH01 | officers | Change person director company with change date | |
| 2022-04-21 | TM01 | officers | Termination director company with name termination date | |
| 2022-04-13 | CS01 | confirmation-statement | Confirmation statement with no updates |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 8
- Capital events
- 0
- Officers appointed
- 2
- Officers resigned
- 2
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.