CANDID FINANCIAL ADVICE LIMITED - Profile & Financials

Accounts Submitted

Confirmation Statement Submitted 21 Oct 2025

Net assets £186.42K £157.97K 2023 year on year

Total assets £197.73K £175.04K 2023 year on year

Total Liabilities £11.31K £17.07K 2023 year on year

Charges None No charges registered

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Contact & Details

Contact

Update Details

Registered Address

Robert House 19 Station Road Chinnor Oxfordshire OX39 4PU England

Office (Bath)

Unit 6, Riverside Court, Lower Bristol Rd, Bath BA2 3DZ

Telephone

0203 397 7280

enquiry@candidfinancialadvice.com

Website

candidfinancialadvice.com

Credit Report

Discover CANDID FINANCIAL ADVICE LIMITED's Credit Score, limit, and payment likelihood.

Mutual Companies

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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

N/A

Net Assets

£186.42k

Decreased by £157.97k (-46%)

Total Liabilities

£11.31k

Decreased by £17.07k (-60%)

Turnover

N/A

Employees

Decreased by 2 (-20%)

Debt Ratio

Decreased by 2 (-25%)

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

3 active 2 resigned

Show resigned officers

						Status
Daniel Marsh	Director	British	England	34	24 Oct 2024	Active
Paul James Titterton	Director	British	England	53	11 Jun 2025	Active
Ruth Anna Handcock	Director	British	England	46	24 Oct 2024	Active

Shareholders

Shareholders (2)


Justin Modray	50.0%	100	Ordinary	16 Nov 2015
Ian Millward	50.0%	100	Ordinary	16 Nov 2015

Persons with Significant Control

Persons with Significant Control (1)

1 Active 2 Ceased

Octopus Money Limited

United Kingdom

Active

Notified 1 Oct 2024

Nature of Control

Ownership Of Shares 75 To 100 Percent
Voting Rights 75 To 100 Percent
Right To Appoint And Remove Directors

Justin Roman Maxwell Modray

Ceased 1 Oct 2024

Ceased

Ian David Millward

Ceased 1 Oct 2024

Ceased

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Group Structure

OCTOPUS MONEY LIMITED united kingdom shares 75 to 100 percent, voting rights 75 to 100 percent, appoint/remove directors

OCTOPUS MONEY HOLDINGS LIMITED united kingdom shares 75 to 100 percent, voting rights 75 to 100 percent, appoint/remove directors

OCTOPUS CAPITAL LIMITED united kingdom shares 75 to 100 percent, voting rights 75 to 100 percent, appoint/remove directors

OCTOPUS GROUP HOLDINGS LTD united kingdom

CANDID FINANCIAL ADVICE LIMITED Current Company

Charges

No charges registered

Documents

Company Filings

Date	Category	Description	Document
21 Oct 2025	Confirmation Statement	Confirmation statement made on 2025-10-19 with no updates	View(3 pages)
14 Aug 2025	Officers	Appointment of Mr Paul James Titterton as director on 2025-06-11	View(2 pages)
8 Aug 2025	Officers	Change to director Mr Daniel Marsh on 2024-10-24	View(2 pages)
13 Jun 2025	Officers	Change to director Mr Daniel Peter Marsh on 2024-10-24	View(2 pages)
24 Dec 2024	Persons With Significant Control	Octopus Money Limited notified as a person with significant control	View(2 pages)