STREAM GROUP HOLDINGS LTD

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

  +64.3%

  £22,440,606 → £36,863,649

• Cash

  +10%

  £62,912,454 → £69,176,161

• Net assets

  -21.1%

  £32,750,334 → £25,847,630

• Employees

  +20.7%

  164 → 198

• Operating profit

  +3.1%

  -£23,677,904 → -£22,940,751

• Profit before tax

  -6.4%

  -£20,873,271 → -£22,207,436

• Wages

  +12.5%

  £15,221,172 → £17,127,421

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.

1. STREAM GROUP HOLDINGS LTD 2025-11-19 → present
2. WAGESTREAM HOLDINGS LTD 2018-05-14 → 2025-11-19
3. PAYDAYS TECHNOLOGY HOLDINGS LTD 2018-04-03 → 2018-05-14

Accounting basis

IFRS

Reporting scope

Consolidated group

Auditor

Deloitte LLP

Audit opinion

Unqualified (clean)

Going concern

Affirmed

“The directors have assessed the Balance Sheet and likely future cash flows at the date of approving these financial statements. Whilst the Group is loss making, it raised equity financing from external investors during 2024. Due to the Company being a holding company costs are minimal, however it provides financial support to all its subsidiaries which are at various stages of the business lifecycle. At the date of signing, net assets of the Group were sufficient to to meet its forecast liabilities as they fall due, for over 12 months from the date of signing of these financial statements. Therefore the directors have continued to adopt the going concern basis in preparing the financial statements. The directors have run a number of scenarios on the business plan which includes a reduction in new business across all territories the Group operates in, closure of territories and, both conservative and aggressive assumptions relating to adoption of the product. These forecasts show that in these scenarios the Group has adequate resources to operate beyond 2025.”

Group structure

1. STREAM GROUP HOLDINGS LTD · parent
   1. Wagestream Limited 100% · UK · Employee benefit provider
   2. Wagestream Canada Inc. 100% · Arlington, VA · Employee benefit provider
   3. Wagestream Spain SL 100% · Madrid · Employee benefit provider
   4. Wagestream Inc 100% · Middletown, DE · Employee benefit provider
   5. Wagestream Ireland Limited 100% · Dublin 2 · Employee benefit provider
   6. Wagestream Financial Services UK Limited 100% · UK · Financial intermediation
   7. Wagestream Staffing Solutions Limited 100% · UK · Temporary staff provider
   8. Wagestream Finance Holdings Limited 100% · England · Holding company
   9. Wagestream Finance Ltd 100% · UK · Credit services provider
   10. Keebo Financial Limited 100% · UK · Dormant
   11. Wagestream UK Frontline I Limited 100% · UK · Special purpose vehicle
   12. Wagestream US Frontline I LLC 100% · Arlington, VA · Special purpose vehicle

Significant events

• “In April 2025 the Group signed a £300m debt facility with Citi Bank in order to fund and expand the workplace loan offering in the UK.”
• “In May 2025, Wagestream Holdings entered into a Simple Agreement for Future Equity (SAFE) with several of its shareholders, to raise £7.15m of additional capital. The SAFE is expected to convert to equity in Q4 2025.”

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

Filings

14

last 12 months

Capital events

8

last 24 months

Officers appointed

1

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.