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Incard Ltd

13073893

active
Private Limited Company
england wales
Companies House
Health Score
70 / 100

Some Concerns

30/30
Filing
0/30
Financial
40/40
Risk
  • Negative net worth (-10)
  • Current liabilities exceed current assets (-10)
  • Going concern doubt noted in accounts (-10)

Details

71-75 SHELTON STREET, LONDON, WC2H 9JQ
Incorporated 09/12/2020

Compliance

Last accounts

31/12/2024

unaudited abridged

Next accounts due

30/09/2026

On track

Confirmation statement

Last: 21/05/2026

Due 04/06/2027

On track

Industry

58290
Other software publishing
62090
Other information technology service activities
64999
Other financial service activities

Officers

Mr Matteo Antonio Vincenzo Martino

director · Since 09/12/2020

CHIEF OPERATING OFFICER

FRENCH · ENGLAND · Age 29

Mr Theo Esteban Pablo Cesarini

director · Since 09/12/2020

CHIEF EXECUTIVE OFFICER

FRENCH · ENGLAND · Age 31

Soraya Tribouillois

director · Since 25/07/2021

CHIEF FINANCIAL OFFICER

FRENCH · UNITED KINGDOM · Age 29

Mr Matthew John Tuck

director · Since 10/03/2026

BRITISH · ENGLAND · Age 58

Also on 1 other board

Persons with Significant Control

Incard Group Holdings Ltd

75–100% shares
75–100% votes

Hamilton House, 1, Temple Avenue, London, EC4Y 0HA

Reg: 16851591 · Registrar Of Companies · Private Limited Company

Notified 22/12/2025

Former PSCs

Unisolution International Ltd

Ceased 20/05/2021

Mr Theo Esteban Pablo Cesarini

Ceased 22/12/2025

CompanyRankvs 4870+ SIC 58290 peers
32

Financial strength1th percentile among SIC peers · 0/25
Employees98th percentile among SIC peers · 15/15
LiquidityCurrent ratio 0.78× · 6/20
Longevity6 years trading (max 15) · 6/15
Filing complianceAll filings up to date · 15/15
Going concern doubt -10
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37
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.

Employees15/15 pts

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

Liquidity6/20 pts

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

Longevity6/15 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

are satisfied that the company will have adequate resources to meet its liabilities as they fall due. Accordingly, the directors consider it appropriate to prepare the financial statements on a going concern basis and have not identified any material uncertainties that may cast significant doubt on the company's ability to continue as a going concern. 2.3. Turnover Turnover is measured at the fair

Key FinancialsYear ending 31/12/2025

Net Worth

-£661k

Balance sheet strength

Cash

£381k

Cash in the bank

Net Current Assets

-£666k

Working capital

Current Assets

£2.4M

Current Liabilities

£3.0M

Fixed Assets

£5k

Debtors

£2.0M

15avg. employees+1

Balance Sheet

Assets less current liabilities-£661k
Signed by Ms Soraya Tribouillois 14 July 2026Prepared with Acorah Software Products - Accounts Production

EstimatesDerived

YearCurrent RatioImplied Profit
20250.78-£106k
20240.44+£422k
20240.28—

Derived from filed accounts. Not audited figures.