LIGHTYEAR U.K. 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

  —

  Not reported

• Cash

  +1,455.2%

  £146,758 → £2,282,363

• Net assets

  +1,397.4%

  £146,402 → £2,192,273

  highest in 3 filed years

• Employees

  —

  Not reported

• Operating profit

  -10,306.7%

  -£3,350 → -£348,624

• Profit before tax

  -9,313.5%

  -£3,350 → -£315,352

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

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.

Accounting basis

FRS 102

Reporting scope

Standalone (parent only)

Auditor

Hillier Hopkins LLP

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. Based on the work we have performed, we have not identified any material uncertainties relating to events or conditions that, individually or collectively, may cast significant doubt on the Company's ability to continue as a going concern for a period of at least twelve months from when the financial statements are authorised for issue.”

Significant events

• “This year was a foundational year for Lightyear U.K. Ltd: the firm got authorised, launched ISAs, and dramatically bent the curve on user and AUM growth.”
• “The Company received authorisation from the FCA on 30th September 2024 and the year in review has been about attaining this authorisation and then making use of the permissions by starting to offer services. In line with the board's expectations the firm was able to commence operations in Q4 2024, accepting customers previously served by its U.K. parent, Lightyear Financial Ltd the 30th of December 2024.”
• “On January 23rd 2025 the firm launched ISA products. These products had been the most requested feature for years.”
• “The firm will build on the momentum with continued investments into a broader instrument universe, including more direct integrations with market participants; continued improvement of the services, including acceleration of payment speed, expansion of information available in the app, and tax wrappers available to customers; and operational resilience and strength to keep up with the growing business.”

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

Filings

4

last 12 months

Capital events

3

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.