FAIR4ALL FINANCE LIMITED
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Cash
£73m
-14.8% lowest in 3 filed years
Net assets
£44m
-2.5% vs 2024
Employees
61
+13% highest in 3 filed years
Profit before tax
£596k
-50.8% vs 2024
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
3 officer resignations in last 12 months
Multiple officers have left the board recently — see the People section for who.
Net assets
3-year trend · vs Financials median
Accounts
3-year trend · Δ = latest vs prior filed period · latest reflected 2025-12-31
| Metric | Trend | 2023-12-31 | 2024-12-31 | 2025-12-31 | Δ vs prior |
|---|---|---|---|---|---|
| Turnover | — | — | — | — | |
| Operating profit | -£1,527,636 | -£3,542,650 | -£2,656,114 | +25% | |
| Profit before tax | £265,410 | £1,211,028 | £596,099 | -50.8% | |
| Net profit | £0 | £0 | £0 | — | |
| Cash | £101,519,813 | £85,975,108 | £73,267,216 | -14.8% | |
| Total assets less current liabilities | £32,947,375 | £46,910,301 | £44,661,323 | -4.8% | |
| Net assets | £30,947,375 | £44,910,301 | £43,781,623 | -2.5% | |
| Equity | £30,947,375 | £44,910,301 | £43,781,623 | -2.5% | |
| Average employees | 48 | 54 | 61 | +13% | |
| Wages | £2,156,541 | £2,609,233 | £3,092,742 | +18.5% | |
| Directors' remuneration | £264,181 | £361,069 | £283,049 | -21.6% |
Values shown as filed in the company's annual accounts. — indicates the figure wasn't present under that line item in that period. The Δ column is the change from the prior filed period as a percentage of |prior|; lines a company doesn't report show —. About these numbers
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|
| Return on capital employed | -4.6% | -7.6% | -5.9% | |
| Gearing (liabilities / total assets) | 76.0% | 63.5% | — | |
| Current ratio | 1.07x | 1.15x | 1.09x |
Gearing is liabilities over total assets. Current ratio is current assets over creditors falling due within one year. Interest cover is operating profit over absolute finance costs. Sector-distribution context coming next.
Name history
Renamed 1 time since incorporation
- FAIR4ALL FINANCE LIMITED 2019-02-25 → present
- DORMANT ASSETS FINANCIAL INCLUSION ORGANISATION LIMITED 2019-02-06 → 2019-02-25
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Standalone (parent only)
- Auditor
- Buzzacott Audit LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“In auditing the financial statements, we have concluded that the director's use of the going concern basis of accounting in the preparation of the financial statements is appropriate. Based on the work we have performed, we have not identified any material uncertainties relating to events or conditions that, individually or collectively, may cast significant doubt on the 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.”
Significant events
- “This year we have welcomed David Wishart, Karina McTeague, Ken Okoroafor and Martyn Beauchamp to the Fair4All Finance Board”
- “We bid farewell to Sir Leigh Lewis, Ingrid Kukuljan, Joanna Elson CBE, Faith Reynolds and Fozia Irfan OBE.”
- “The Government's National Financial Inclusion Strategy was launched in November 2025, with our support.”
- “In November we signed a four year deal with Experian to support lenders to adopt ReFi - a direct settlement technology that allows a new lender to pay off a borrower's existing debts instantly during the consolidation process.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
13 active · 7 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| STEVENS, Linda | Secretary | 2019-02-22 | — | — |
| ANDERSON, Joanne Marie | Director | 2024-08-01 | Jan 1971 | British |
| ANDERSON, Michael Connelly | Director | 2020-06-01 | Jun 1962 | British |
| BAILES, Ria Mary Helena | Director | 2020-06-01 | Feb 1981 | British |
| BEAUCHAMP, Martyn Joseph | Director | 2025-12-08 | Oct 1972 | British |
| COLLIER-KEYWOOD, Richard David | Director | 2019-02-19 | Jul 1961 | British |
| INVINE, James Frederick Alexander | Director | 2019-09-01 | Jan 1978 | British |
| MCTEAGUE, Karina Trudy | Director | 2025-10-01 | May 1962 | British |
| OKOROAFOR, Kenneth Emeka | Director | 2025-11-26 | Nov 1983 | British |
| PENDER, Kate Margaret | Director | 2024-09-01 | Nov 1977 | New Zealander |
| RADEMAKER, Jennifer Riddell | Director | 2020-06-01 | Jan 1967 | American |
| STEVENS, Linda | Director | 2019-02-19 | Aug 1964 | British |
| WISHART, David | Director | 2025-10-01 | Aug 1969 | British |
Show 7 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| ELSON, Joanna | Director | 2019-07-01 | 2025-06-30 |
| IRFAN, Fozia Tanvir | Director | 2020-06-01 | 2025-12-13 |
| KUKULJAN, Ingrid Elizabeth | Director | 2019-09-30 | 2025-09-30 |
| LEWIS, Leigh, Sir | Director | 2019-07-01 | 2025-06-30 |
| LEWIS, Leigh, Sir | Director | 2019-02-06 | 2019-02-19 |
| REYNOLDS, Faith | Director | 2019-09-04 | 2025-09-03 |
| ROMANOVITCH, Sacha Veronica | Director | 2020-01-07 | 2024-08-31 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| The Oversight Trust | Corporate entity | Shares 75–100%, Appoints directors | 2019-12-03 | Ceased 2023-08-21 |
| The Oversight Trust - Assets For The Common Good | Corporate entity | Voting 75–100% | 2019-12-03 | Active |
| Mr Richard David Collier-Keywood | Individual | Significant influence | 2019-02-19 | Ceased 2019-12-03 |
| Sir Leigh Lewis | Individual | Voting 75–100%, Appoints directors | 2019-02-06 | Ceased 2019-02-19 |
Filing timeline
Last 20 of 67 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-07-29 | AA | accounts | Accounts with accounts type full | |
| 2026-02-09 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2026-01-28 | AP01 | officers | Appoint person director company with name date | |
| 2026-01-28 | AP01 | officers | Appoint person director company with name date | |
| 2025-12-22 | TM01 | officers | Termination director company with name termination date | |
| 2025-10-13 | AAMD | accounts | Accounts amended with accounts type full | |
| 2025-10-08 | AP01 | officers | Appoint person director company with name date | |
| 2025-10-06 | AP01 | officers | Appoint person director company with name date | |
| 2025-10-06 | TM01 | officers | Termination director company with name termination date | |
| 2025-09-04 | TM01 | officers | Termination director company with name termination date | |
| 2025-07-03 | TM01 | officers | Termination director company with name termination date | |
| 2025-07-03 | TM01 | officers | Termination director company with name termination date | |
| 2025-06-03 | AA | accounts | Accounts with accounts type full | |
| 2025-02-14 | PSC05 | persons-with-significant-control | Change to a person with significant control | |
| 2025-02-12 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-01-03 | AD01 | address | Change registered office address company with date old address new address | |
| 2024-12-30 | AD01 | address | Change registered office address company with date old address new address | |
| 2024-09-02 | AP01 | officers | Appoint person director company with name date | |
| 2024-09-02 | TM01 | officers | Termination director company with name termination date | |
| 2024-08-06 | AP01 | officers | Appoint person director company with name date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 10
- Capital events
- 0
- Officers appointed
- 4
- Officers resigned
- 3
last 12 months
last 24 months
last 12 months
last 12 months
Direct counts from the register. No score, no rating — see the Filing timeline for the underlying events.