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Nium Fintech Limited

09039850

active
Private Limited Company
Companies House
Health Score
75 / 100

Some Concerns

25/30
Filing
10/30
Financial
40/40
Risk
  • No accounts filed in last 18 months (-5)
  • Going concern doubt noted in accounts (-10)

Details

GROUND FLOOR, LONDON, EC3V 0EH
Incorporated 14/05/2014

Compliance

Accounts

Up to date

Confirmation statement

Up to date

Industry

64999
Other financial service activities

Officers

Mr Spencer James Douglas Hanlon

director · Since 07/12/2021

COMPANY DIRECTOR

BRITISH · ENGLAND · Age 53

Also on 2 other boards

Mr Anupam Pahuja

director · Since 27/06/2025

DIRECTOR

AMERICAN · SINGAPORE · Age 59

Persons with Significant Control

Former PSCs

Instarem Pte Limited

Ceased 23/01/2020

Punathil Prajit Nanu

Ceased 15/09/2023

Mr Pratik Gandhi

Ceased 15/09/2023

Nium Pte Ltd

Ceased 15/09/2024

CompanyRankvs 1992+ SIC 64999 peers
73

Financial strength99th percentile among SIC peers · 25/25
Employees99th percentile among SIC peers · 15/15
LiquidityCurrent ratio 1.51× · 16/20
Longevity12 years trading (max 15) · 12/15
Filing complianceAll filings up to date · 15/15
Going concern doubt -10
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1992Nium Fintech Limited
79
How is this score calculated?
Financial strength25/25 pts

Net worth compared to all companies in the same SIC code with published accounts. Top quartile earns the full 25 points.

Employees15/15 pts

Workforce size relative to sector peers from the most recent accounts. A larger team generally signals commercial scale.

Liquidity16/20 pts

Current assets ÷ current liabilities. A ratio above 2× earns full marks; between 1–2× scores partially; below 0.5× scores minimal points.

Longevity12/15 pts

One point per year of operation since incorporation, capped at 15. Older companies have a proven track record.

Filing compliance15/15 pts

Full 15 points when both annual accounts and confirmation statement are filed on time. Points are deducted for each overdue filing.

Risk deductions

Going concern doubt: -10 pts

Maximum score is 100. Deductions apply for insolvency history, outstanding charges, going concern doubt, or disqualified officers.

Going Concern Doubt

of client funds, including determining whether they meet the definition of cash and cash equivalents, and in ensuring appropriate segregation and safeguarding in line with FCA regulations. Going concern assessment The Company’s going concern assessment considers expected cash flows, group support, and access to capital. Judgement is required in evaluating whether there is a material unc

Key FinancialsYear ending 31/12/2024

Net Worth

£5.8M

Balance sheet strength

Cash

£13.0M

Cash in the bank

Net Current Assets

£5.8M

Working capital

Current Assets

£17.3M

Current Liabilities

£11.5M

Fixed Assets

£15k

Debtors

£4.4M

Profit After Tax

-£3.6M

36avg. employees+1

Balance Sheet

Assets less current liabilities£5.8M
Prepared with CCH Software

EstimatesDerived

YearCurrent RatioImplied Profit
20241.51+£442k
20231.50+£3.3M
20221.24+£222k
20212.68-£1.7M
20208.70—

Derived from filed accounts. Not audited figures.