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Chip Financial Ltd

10113174

active
Private Limited Company
Companies House
Health Score
73 / 100

Some Concerns

25/30
Filing
10/30
Financial
38/40
Risk
  • No accounts filed in last 18 months (-5)
  • Loss before tax (-10)
  • Going concern doubt noted in accounts (-10)
  • 1 outstanding charge (-2)

Details

SIXTH FLOOR FORA MONTACUTE YARDS, LONDON, E1 6HU
Incorporated 08/04/2016

Compliance

Accounts

Up to date

Confirmation statement

Up to date

Industry

64999
Other financial service activities

Officers

Mr Simon Rabin

director · Since 08/04/2016

DIRECTOR

BRITISH · UNITED KINGDOM · Age 39

Also on 1 other board

Mr Richard Spencer Frank

director · Since 01/05/2018

DIRECTOR

BRITISH · UNITED KINGDOM · Age 58

Also on 25 other boards

Mr Alexander Christopher Tom Latham

director · Since 10/05/2021

COMPANY DIRECTOR

BRITISH · ENGLAND · Age 35

Mr Adam Seale

director · Since 02/01/2024

DIRECTOR

ENGLISH · ENGLAND · Age 66

Also on 7 other boards

Mr Laurence David Krieger

director · Since 21/01/2025

DIRECTOR

BRITISH · ENGLAND · Age 53

Also on 8 other boards

Mrs Sharon Gill Miles

director · Since 18/03/2026

BRITISH · ENGLAND · Age 49

Also on 3 other boards

Persons with Significant Control

Mr Simon Rabin

Appoint directors

British · United Kingdom · Age 39

Sixth Floor, Fora Montacute Yards, London, E1 6HU

Notified 08/04/2016

Charges1 outstanding

Charge
outstanding

HSBC INNOVATION BANKING

Created 01/08/2023Registered 18/08/2023
Charge
satisfied

SILICON VALLEY BANK

Created 24/01/2019Registered 31/01/2019Satisfied 23/08/2023

CompanyRankvs 99070+ SIC 64999 peers
42

Financial strength25th percentile among SIC peers · 6/25
Employees100th percentile among SIC peers · 15/15
LiquidityCurrent ratio 1.7× · 16/20
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 strength6/25 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.

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

in accordance with these requirements. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our opinion. Material uncertainty in relation to Going Concern We draw attention to the accounting policy in relation to going concern contained within the financial statements, which indicates that there is a material uncertainty relating to the ability o

Key FinancialsYear ending 31/12/2022

Turnover

£1.7M

Annual revenue

Net Worth

£6

Balance sheet strength

Cash

£6.8M

Cash in the bank

Profit Before Tax

-£15.0M

Bottom line earnings

Net Current Assets

£3.8M

Working capital

Current Assets

£9.3M

Current Liabilities

£5.5M

Fixed Assets

£141k

Debtors

£2.4M

Cost of Sales

£1.3M

Gross Profit

£392k

Admin Expenses

£15.4M

Operating Profit

-£15.0M

Profit After Tax

-£13.2M

119avg. employees+18

People Costs

Wages & salaries£6.9M
NI contributions£853k

Balance Sheet

Assets less current liabilities£3.9M
Prepared with IRIS Accounts Production

EstimatesDerived

YearCurrent Ratio
20221.70
20214.88

Derived from filed accounts. Not audited figures.