TOQIO FINTECH HOLDINGS LIMITED
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Next accounts due
2026-12-31 (in 7mo)
Last filed for 2025-03-31
Confirmation statement due
2026-03-25
Overdue
Watchouts
Cash
£2M
lowest in 3 filed years
Net assets
£6M
lowest in 3 filed years
Employees
63
Average over period
Profit before tax
-£4M
Period ending 2025-03-31
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
Confirmation statement overdue
Due 2026-03-25.
-
3 officer resignations in last 12 months
Multiple officers have left the board recently — see the People section for who.
Net assets
4-year trend · vs Industrials median
Accounts
4-year trend · latest reflected 2025-03-31
| Metric | Trend | 2022-01-01 | 2022-12-31 | 2024-03-31 | 2025-03-31 |
|---|---|---|---|---|---|
| Turnover | — | — | £1,859,083 | £1,387,052 | |
| Operating profit | — | — | -£6,276,895 | -£4,462,071 | |
| Profit before tax | — | — | -£6,213,388 | -£4,469,436 | |
| Net profit | — | £37,850 | -£5,638,388 | -£4,469,441 | |
| Cash | — | £12,348,749 | £6,113,256 | £2,142,736 | |
| Total assets less current liabilities | — | — | £11,929,775 | £7,585,637 | |
| Net assets | — | £22,233,102 | £10,643,222 | £6,164,204 | |
| Equity | £6,523,523 | £22,233,102 | £10,643,222 | £6,164,204 | |
| Average employees | — | 6 | 71 | 63 | |
| Wages | — | — | £5,183,636 | £2,656,727 | |
| Directors' remuneration | — | — | £325,011 | £330,600 |
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
FY2024 → FY2025 · period ending 2025-03-31 vs 2024-03-31
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2022-01-01 | 2022-12-31 | 2024-03-31 | 2025-03-31 |
|---|---|---|---|---|---|
| Return on capital employed | — | — | -52.6% | -58.8% | |
| Current ratio | — | — | 13.77x | 2.26x | |
| Interest cover | — | — | -2899.26x | -497.00x |
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. Margin ratios are hidden where reported turnover is too small relative to profit to yield a meaningful figure — typical of holding companies whose income is mostly subsidiary dividends rather than trading revenue. Sector-distribution context coming next.
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Consolidated group
- Auditor
- Cooper Parry Group Limited
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“the director is satisfied that the group will continue in operational existence for the foreseeable future, and that the going concern basis is appropriate for the preparation of the group's financial statements.”
Group structure
- TOQIO FINTECH HOLDINGS LIMITED · parent
- Olivo Ventures Ltd 100%
- Toqio Fintech Ltd 100%
- Toqio Fintech USA Inc 100%
- Toqio Fintech S.L. 100%
- Toqio Technologies S.L. 100%
Significant events
- “Expanded core banking, payments and card capabilities.”
- “New back-office portal and richer workflow tooling.”
- “Enhanced onboarding and KYB journeys.”
- “Extended Integration Hub and Public APIs.”
- “Improved identity and access controls plus UX, performance and reliability across the platform.”
- “Additionally, the Group developed substantial in-house direct Sales and Marketing capabilities and leveled up a number of operational processes related to finance, people, and internal operations.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
5 active · 7 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| DE MONTESSUS, Gabriel | Director | 2023-02-13 | Nov 1979 | French |
| GALVIN, Michael Patrick | Director | 2021-03-12 | Mar 1978 | Irish |
| LEZE, Julien Pierre-Louis | Director | 2024-08-01 | Apr 1993 | French |
| MARTINEZ GARCIA, Eduardo | Director | 2021-03-12 | Dec 1977 | Spanish |
| XENOFONTOS, Aristotelis | Director | 2021-05-12 | Apr 1981 | Greek |
Show 7 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| FERNANDEZ, Rodrigo Iglesias | Director | 2021-05-12 | 2024-10-29 |
| GALAV, Kunal | Director | 2024-10-29 | 2025-05-31 |
| GONZALEZ, Beatriz | Director | 2021-05-12 | 2022-06-28 |
| HAUSMANN, Enrique Martinez, Mr. | Director | 2022-06-28 | 2025-07-31 |
| KLESTIL, Stefan | Director | 2021-05-12 | 2022-06-28 |
| PALMA, Alessandro, Mr. | Director | 2022-06-28 | 2023-04-20 |
| WILSON, Jay, Mr. | Director | 2022-08-24 | 2025-06-17 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Mr Michael Patrick Galvin | Individual | Shares 25–50%, Voting 25–50% | 2021-03-12 | Ceased 2021-05-12 |
| Priory Road S.L. | Corporate entity | Shares 25–50%, Voting 25–50% | 2021-03-12 | Ceased 2021-03-12 |
Filing timeline
Last 20 of 53 total filings
Material constitutional events — rename, articles re-file, resolution
- 2024-08-30 RESOLUTIONS Resolution
- 2023-11-11 RESOLUTIONS Resolution
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-03-18 | AA | accounts | Accounts with accounts type group | |
| 2026-03-05 | AD01 | address | Change registered office address company with date old address new address | |
| 2025-08-18 | AP01 | officers | Appoint person director company with name date | |
| 2025-08-11 | TM01 | officers | Termination director company with name termination date | |
| 2025-06-23 | TM01 | officers | Termination director company with name termination date | |
| 2025-06-23 | TM01 | officers | Termination director company with name termination date | |
| 2025-03-25 | PSC08 | persons-with-significant-control | Notification of a person with significant control statement | |
| 2025-03-25 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-03-25 | PSC07 | persons-with-significant-control | Cessation of a person with significant control | |
| 2025-02-26 | AD01 | address | Change registered office address company with date old address new address | |
| 2024-11-18 | AP01 | officers | Appoint person director company with name date | |
| 2024-11-15 | TM01 | officers | Termination director company with name termination date | |
| 2024-10-10 | AA | accounts | Accounts with accounts type group | |
| 2024-08-30 | RESOLUTIONS | resolution | Resolution | |
| 2024-04-23 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-02-17 | AA01 | accounts | Change account reference date company current extended | |
| 2023-11-11 | RESOLUTIONS | resolution | Resolution | |
| 2023-09-21 | AAMD | accounts | Accounts amended with accounts type group | |
| 2023-06-23 | AA | accounts | Accounts with accounts type group | |
| 2023-05-05 | AA01 | accounts | Change account reference date company previous extended |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 6
- Capital events
- 0
- Officers appointed
- 0
- Officers resigned
- 3
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.