BELIEVE MONEY GROUP LIMITED
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Next accounts due
2026-09-30 (in 4mo)
Last filed for 2024-12-31
Confirmation statement due
2026-10-04 (in 5mo)
Last made up 2025-09-20
Watchouts
None on the register
Cash
£201K
+120.2% highest in 4 filed years
Net assets
-£845K
+52.3% vs 2023
Employees
113
+28.4% highest in 4 filed years
Profit before tax
£1M
+726.5% vs 2023
Net assets
7-year trend · vs Industrials median
Accounts
7-year trend · latest reflected 2024-12-31
| Metric | Trend | 2020-04-30 | 2020-12-31 | 2021-12-31 | 2022-12-31 | 2023-01-01 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|---|---|---|---|---|
| Turnover | — | — | — | — | — | £12,678,155 | £16,495,131 | |
| Operating profit | — | — | — | — | — | -£59,745 | £1,490,897 | |
| Profit before tax | — | — | — | — | — | -£213,315 | £1,336,506 | |
| Net profit | — | — | — | — | — | £91,760 | £889,145 | |
| Cash | — | — | £38,826 | £8,750 | — | £91,290 | £200,982 | |
| Total assets less current liabilities | — | — | — | — | — | -£1,664,844 | £436,626 | |
| Net assets | — | — | -£190,452 | -£367,781 | — | -£1,770,274 | -£845,129 | |
| Equity | — | — | -£190,452 | -£367,781 | -£367,781 | -£1,770,274 | -£845,129 | |
| Average employees | — | — | 0 | 0 | — | 88 | 113 | |
| Wages | — | — | — | — | — | £4,630,397 | £5,317,638 | |
| Directors' remuneration | — | — | — | — | — | £480,000 | £519,630 |
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
+30.1%
£12,678,155 £16,495,131
-
Cash
+120.2%
£91,290 £200,982
highest in 4 filed years
-
Net assets
+52.3%
-£1,770,274 -£845,129
-
Employees
+28.4%
88 113
highest in 4 filed years
-
Operating profit
+2,595.4%
-£59,745 £1,490,897
-
Profit before tax
+726.5%
-£213,315 £1,336,506
-
Wages
+14.8%
£4,630,397 £5,317,638
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 | 2020-04-30 | 2020-12-31 | 2021-12-31 | 2022-12-31 | 2023-01-01 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|---|---|---|---|---|
| Operating margin | — | — | — | — | — | -0.5% | 9.0% | |
| Net margin | — | — | — | — | — | 0.7% | 5.4% | |
| Return on capital employed | — | — | — | — | — | 3.6% | 341.5% | |
| Gearing (liabilities / total assets) | — | — | — | — | — | 179.4% | 121.3% | |
| Current ratio | — | — | — | — | — | 0.54x | 1.09x | |
| Interest cover | — | — | — | — | — | -0.39x | 9.66x |
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 2 times since incorporation
- BELIEVE MONEY GROUP LIMITED 2021-10-15 → present
- C2B MONEY GROUP LIMITED 2019-06-27 → 2021-10-15
- BELIEVE MONEY GROUP LIMITED 2017-04-06 → 2019-06-27
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Consolidated group
- Auditor
- Hurst Accountants Limited
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“In auditing the financial statements, we have concluded that the directors' use of the going concern basis of accounting in the preparation of the financial statements is appropriate.”
Group structure
- BELIEVE MONEY GROUP LIMITED · parent
- Believe Loans Limited 100%
- Believe Specialist Finance Limited 100%
- Believe Protect Limited 100%
- Believe Finance Limited 100%
- Click Loans Limited 100%
- Believe Advisor Limited 100%
- Believe Money Services Limited 100%
- Believe Mortgages Limited 100%
- Click Tech Limited 100%
Significant events
- “Following the year end, a decision was taken to close two of the group's dormant subsidiaries, Believe Mortgages and Believe Finance.”
- “A decision was also made to exit the market in respect of some of the more high risk activities, and therefore Believe Specialist Finance has ceased trading during 2025.”
- “On 18 September 2025, the entire share capital of the parent company was acquired by Pivotal Growth Limited.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
5 active · 4 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| GIBSON, Jeremy Paul | Director | 2025-09-18 | May 1973 | British |
| JOHNSON, Ian William | Director | 2019-03-01 | May 1978 | British |
| PRAKASH, Mayank | Director | 2025-09-18 | Jan 1973 | British |
| ROGERS, David James | Director | 2019-03-01 | Aug 1984 | British |
| WAGSTAFF, Ryan Oliver | Director | 2018-04-19 | Jan 1984 | British |
Show 4 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| CROWSHAW, Brendan | Director | 2019-03-01 | 2020-10-31 |
| DANIELS, Joe | Director | 2017-05-19 | 2018-04-20 |
| MEECHAM, Matthew David | Director | 2019-03-01 | 2021-07-01 |
| RICHARDSON, Graeme Stuart | Director | 2017-04-06 | 2017-05-19 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Pivotal Growth Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2025-09-18 | Active |
| Mr Ryan Oliver Wagstaff | Individual | Shares 75–100%, Voting 75–100% | 2018-04-20 | Ceased 2019-03-01 |
| Mr Joe Daniels | Individual | Shares 75–100% | 2017-05-19 | Ceased 2018-04-20 |
| Mr Graeme Stuart Richardson | Individual | Shares 75–100%, Voting 75–100%, Appoints directors | 2017-04-06 | Ceased 2017-05-19 |
Filing timeline
Last 20 of 78 total filings
Material constitutional events — rename, articles re-file, resolution
- 2026-01-21 MA Memorandum articles
- 2026-01-08 RESOLUTIONS Resolution
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-03-26 | CH01 | officers | Change person director company with change date | |
| 2026-03-26 | CH01 | officers | Change person director company with change date | |
| 2026-01-21 | MA | incorporation | Memorandum articles | |
| 2026-01-08 | RESOLUTIONS | resolution | Resolution | |
| 2025-12-22 | RP01CS01 | confirmation-statement | Replacement filing of confirmation statement with made up date | |
| 2025-12-22 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2025-12-15 | AA | accounts | Accounts with accounts type group | |
| 2025-12-03 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2025-12-03 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2025-12-03 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2025-11-11 | CS01 | confirmation-statement | Confirmation statement | |
| 2025-10-22 | PSC02 | persons-with-significant-control | Notification of a person with significant control | |
| 2025-10-21 | AP01 | officers | Appoint person director company with name date | |
| 2025-10-21 | AP01 | officers | Appoint person director company with name date | |
| 2025-10-21 | PSC09 | persons-with-significant-control | Withdrawal of a person with significant control statement | |
| 2025-08-12 | SH02 | capital | Capital alter shares subdivision | |
| 2025-07-30 | SH02 | capital | Capital alter shares subdivision | |
| 2025-07-03 | ANNOTATION | miscellaneous | Legacy | |
| 2025-07-03 | ANNOTATION | miscellaneous | Legacy | |
| 2025-06-19 | RP04CS01 | confirmation-statement | Second filing of confirmation statement with made up date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 20
- Capital events
- 2
- Officers appointed
- 2
- 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.