FLUENT MONEY LIMITED - Profile & Financials

Accounts Submitted 1 Oct 2025

Confirmation Statement Submitted 12 Nov 2025

Net assets £11.12M £1.45M 2023 year on year

Total assets £17.41M £2.31M 2023 year on year

Total Liabilities £6.30M £868.52K 2023 year on year

Charges 3

1 outstanding 2 satisfied

AI Analysis

Analyze director networks, ownership patterns, and company connections

CompanyTrack AI can make mistakes. Check important info.

Contact & Details

Contact

Update Details

Registered Address

102 Rivington House Chorley New Road Horwich Bolton BL6 5UE England

Telephone

0333 088 0225

complaints@fluentmoney.co.uk

Website

fluentmoney.co.uk

Credit Report

Discover FLUENT MONEY LIMITED's Credit Score, limit, and payment likelihood.

Mutual Companies

See All Mutual Companies

Financials

Period 1 Jan → 31 Dec 2023

Type Total Exemption Full

Next accounts 31 December 2024

Due by 30 September 2025 9 months

Net Assets, Total Assets & Total Liabilities (2014–2023)

Cash in Bank

£429.00k

Decreased by £238.70k (-36%)

Net Assets

£11.12M

Increased by £1.45M (+15%)

Total Liabilities

£6.30M

Increased by £868.52k (+16%)

Turnover

£26.31M

Increased by £3.70M (+16%)

Employees

468

Increased by 203 (+77%)

Debt Ratio

36%

Financial History

Revenue, profit, EBITDA and key financial figures

	2023 Dec Year End	2022 Dec Year End
P&L
Revenue	£142.3M	£128.7M
Gross Profit	£48.2M	£43.1M
Operating Profit	£22.4M	£19.8M
Net Profit	£18.1M	£15.9M
EBITDA	£31.5M	£28.2M
Assets
Cash	£24.7M	£21.3M
Total Assets	£89.4M	£82.1M
Liabilities
Total Liabilities	£45.2M	£41.8M
Key Metrics
Employees	1,247	1,156

Latest Revenue

£142.3M

Latest EBITDA

£31.5M

Cash Position

£24.7M

Funding

Fundraising & Grants

No fundraising or grants recorded

Investors (0)

No investor information available

Officers

6 active 16 resigned

Show resigned officers

						Status
Benjamin David Thompson	Director	British	United Kingdom	56	11 Jul 2022	Active
Emilie Nadia Marcelline Burgaud Mccarthy	Director	French	England	45	24 Jul 2024	Active
Paul Brendon Ford	Director	British	United Kingdom	48	2 Jun 2008	Active
Peter Christopher Steven Brodnicki	Director	British	United Kingdom	63	11 Jul 2022	Active
Simon Andrew Moore	Director	British	United Kingdom	52	2 Jun 2008	Active
Timothy Allen Wheeldon	Director	British	England	59	28 Nov 2008	Active

Shareholders

Shareholders (5)


The Fluent Money Group Limited	100.0%	100,000	Ordinary	9 May 2016
Timothy Allen Wheeldon	0.0%	0	Ordinary	9 May 2016
Simon Moore	0.0%	0	Ordinary	9 May 2016

Persons with Significant Control

Persons with Significant Control (1)

1 Active

The Fluent Money Group Limited

United Kingdom

Active

Notified 6 Apr 2016

Nature of Control

Ownership Of Shares 75 To 100 Percent

See All Controllers

Group Structure

THE FLUENT MONEY GROUP LIMITED united kingdom shares 75 to 100 percent

PROJECT FINLAND BIDCO LIMITED united kingdom shares 75 to 100 percent, voting rights 75 to 100 percent, appoint/remove directors

PROJECT FINLAND TOPCO LIMITED united kingdom shares 75 to 100 percent, voting rights 75 to 100 percent, appoint/remove directors

MORTGAGE ADVICE BUREAU LIMITED united kingdom shares 75 to 100 percent, voting rights 75 to 100 percent, appoint/remove directors

MORTGAGE ADVICE BUREAU (HOLDINGS) PLC united kingdom

FLUENT MONEY LIMITED Current Company

Charges

1 outstanding 2 satisfied

Documents

Company Filings

Date	Category	Description	Document
12 Nov 2025	Confirmation Statement	Confirmation statement made on 2025-11-12 with no updates	View(3 pages)
1 Oct 2025	Accounts	Annual accounts made up to 2024-12-31	View(33 pages)
13 Nov 2024	Confirmation Statement	Confirmation statement made on 2024-11-13 with no updates	View(3 pages)
5 Nov 2024	Confirmation Statement	Confirmation statement made on 2024-11-01 with no updates	View(3 pages)
12 Oct 2024	Accounts	Annual accounts made up to 2023-12-31	View(39 pages)