STARLING FS SERVICES LIMITED

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

• Turnover

  +11.2%

  £42,452,000 → £47,214,000

• Cash

  +1,188.9%

  £9,000 → £116,000

• Net assets

  +31%

  £12,484,000 → £16,353,000

• Employees

  —

  Not reported

• Operating profit

  -46.9%

  £15,858,000 → £8,427,000

• Profit before tax

  -63.9%

  £14,309,000 → £5,161,000

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

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.

Accounting basis

IFRS

Reporting scope

Standalone (parent only)

Auditor

KPMG LLP

Audit opinion

Unqualified (clean)

Going concern

Affirmed

“In preparing these financial statements, the Directors must satisfy themselves that it is reasonable for them to adopt the going concern basis. The Company made profit after tax of £3.9m (2024: £9.8m) and has net assets of £16.4m (2024: £12.5m). The financial statements have been prepared on a going concern basis as there are no material uncertainties identified by the Directors that could cast significant doubt over the Company's ability to continue as a going concern or honour its liabilities as they fall due for at least a year from the date of approval of the financial statements.”

Group structure

1. STARLING FS SERVICES LIMITED · parent
   1. Engine by Starling Limited 100% · England and Wales · SaaS product, based on the proprietary banking platform
   2. Murmur Financial Services Limited 100% · England and Wales · service organisation for the Group

Significant events

• “On 27 June 2025, Starling Group Holdings Limited, registered in England and Wales (5th Floor, London Fruit and Wool Exchange, 1 Duval Square, London E1 6PW, company number 13871603) acquired 100% of the share capital of the Bank, through a share-for-share exchange, thereby becoming the ultimate parent of the Company.”

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

Filings

2

last 12 months

Capital events

0

last 24 months

Officers appointed

0

last 12 months

Officers resigned

0

last 12 months

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