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Plum Fintech Limited

09952199

active
Private Limited Company
Companies House
Health Score
68 / 100

Some Concerns

30/30
Filing
0/30
Financial
38/40
Risk
  • Negative net worth (-10)
  • Going concern doubt noted in accounts (-10)
  • 1 outstanding charge (-2)

Details

2-7 CLERKENWELL GREEN, LONDON, EC1R 0DE
Incorporated 14/01/2016

Compliance

Accounts

Up to date

Confirmation statement

Up to date

Industry

66190
Other activities auxiliary to financial services

Officers

Mr Victor Michael Trokoudes

director · Since 14/01/2016

ENTREPREUNER

CYPRIOT · ENGLAND · Age 42

Also on 3 other boards

Mr Apostolos Foteinakis

director · Since 01/07/2024

DIRECTOR

GREEK · GREECE · Age 43

Also on 1 other board

Maryam Mcloughlin

director · Since 02/12/2024

NON-EXECUTIVE DIRECTOR

BRITISH · ENGLAND · Age 44

Also on 1 other board

Persons with Significant Control

Former PSCs

Mr Alexandros Michael

Ceased 09/10/2018

Mr Victor Trokoudes

Ceased 11/03/2019

Mr Victor Trokoudes

Ceased 10/08/2021

Charges1 outstanding

Charge
outstanding

BANCO BILBAO VIZCAYA ARGENTARIA, S.A.

Created 04/03/2025Registered 06/03/2025
Charge
satisfied

SILICON VALLEY BANK UK LIMITED

Created 22/09/2022Registered 28/09/2022Satisfied 12/03/2025

CompanyRankvs 5468+ SIC 66190 peers
14

Financial strength1th percentile among SIC peers · 0/25
Employees63th percentile among SIC peers · 9/15
LiquidityNo balance sheet data · 0/20
Longevity10 years trading (max 15) · 10/15
Filing complianceAll filings up to date · 15/15
Going concern doubt -10Outstanding charges -10
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How is this score calculated?
Financial strength0/25 pts

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

Employees9/15 pts

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

Liquidity0/20 pts

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

Longevity10/15 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

Outstanding charges: -10 pts

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

Going Concern Doubt

any material uncertainties relating to events or conditions that, individually or collectively, may cast significant doubt on the group's and parent 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. Our responsibilities and the responsibilities of the directors with respect to

Key FinancialsYear ending 31/03/2025

Net Worth

-£628k

Balance sheet strength

Cash

£16.0M

Cash in the bank

Net Current Assets

£3.1M

Working capital

Current Assets

£10.3M

Current Liabilities

Fixed Assets

£3.8M

Debtors

£6.5M

Cost of Sales

£5.4M

Admin Expenses

£23.7M

Profit After Tax

-£9.7M

2avg. employees

People Costs

Wages & salaries£10.6M

Balance Sheet

Intangible assets£6k
Bank loans & overdrafts£9.9M
Assets less current liabilities£132k
Prepared with CCH Software

EstimatesDerived

YearCurrent RatioImplied Profit
2025+£0
2025-£1.6M
20202.85
20199.00

Derived from filed accounts. Not audited figures.