Company Overview
Currencies Direct Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Monday 03 April 1995, so this is a well established company. Currencies Direct Limited has been in business for 31 years. The accounts status is full and the accounts are next due on Tuesday 31 March 2026.
Registered Address

1 Canada Square, Canary Wharf, London, E14 5AA
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Companies House Data
Company NameCURRENCIES DIRECT LIMITED
Company Number03041197
Registered Office Address1 Canada Square
 Canary Wharf
 E14 5AA
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date03/04/1995
Accounting Reference Date Day30
Accounting Reference Date Month6
Accounts Next Due Date31/03/2027
Accounts Last Made Up Date30/06/2025
Accounts Account CategoryFULL
Returns Next Due Date01/05/2017
Returns Last Made Up Date03/04/2016
Directors & Members
Show Resigned
Yoav Flam - Director
(Israeli, 52 years old, born November 1974)
Appointed 27 October 2025
 Active
Arnaud Loiseau - Director
(French, 51 years old, born June 1975)
Appointed 31 January 2023
 Active
Elena Stefani - Director
(English, 53 years old, born June 1973)
Appointed 25 June 2025
 Active
Breams Secretaries Limited - Secretary
Appointed 28 July 2005
 Active
Secretaries
Show Resigned
Breams Secretaries Limited - Secretary
Appointed 28 July 2005
 Active
Other Company Directorships
Yoav Flam
No companies found
Arnaud Loiseau
REDPIN HOLDINGS LIMITED
THE FOREMOST CURRENCY GROUP LTD
TOR CURRENCY EXCHANGE LIMITED
Elena Stefani
CURRENCIES DIRECT FINANCIAL MARKETS LIMITED
CURRENCY UK LIMITED
FOREIGN CURRENCY CONSULTANTS LIMITED
FOREIGN EXCHANGE CONSULTANTS LIMITED
FOREMOST MARKETS LTD
FOREMOST PROPERTY GROUP LIMITED
REDPIN HOLDINGS LIMITED
THE FOREMOST CURRENCY GROUP LTD
TORFX LTD
Balance Sheet Unlock full report
Accounts Date 30-Jun-2025 30-Jun-2016 30-Jun-2015
Balance Sheet
Fixed Assets 4,376,000 4,376,000 3,145,000
Current Assets 85,103,000 85,103,000 75,313,000
Creditors Due Within One Year 79,687,000 79,687,000 67,043,000
Working Cap 5,416,000 5,416,000 8,270,000
Total Assets Less Current Liabilities 9,792,000 9,792,000 11,415,000
Long-term Liabilities 149,000 149,000 23,000
Net Assets 9,643,000 9,643,000 11,392,000
Share Capital & Reserves
Share Cap 100,000 100,000 100,000
Profit & Loss Reserves 9,470,000 9,470,000 11,214,000
Other Reserves 73,000 73,000 78,000
Shareholders Funds 9,643,000 9,643,000 11,392,000
Common Size Financial Analysis Unlock full report
Accounts Date 30-Jun-2025 30-Jun-2016 30-Jun-2015
Tangible Fixed Assets - - -
Fixed Assets 4.9% 4.9% 4.0%
Stocks Inventory 0.0% 0.0% 0.0%
Debtors 22.9% 22.9% 30.6%
Cash Bank In Hand 61.7% 61.7% 52.1%
Current Assets 95.1% 95.1% 96.0%
Creditors Due Within One Year 89.1% 89.1% 85.5%
Net Current Assets Liabilities 6.1% 6.1% 10.5%
Creditors Due After One Year 0.2% 0.2% 0.0%
Accruals Deferred Income - - -
Provisions For Liabilities Charges - - -
Net Assets Liabilities Including Pension Asset Liability 10.8% 10.8% 14.5%
Called Up Share Capital 0.1% 0.1% 0.1%
Share Capital Allotted Called Up Paid 0.1% 0.1% 0.1%
Profit Loss Account Reserve 10.6% 10.6% 14.3%
Shareholder Funds 10.8% 10.8% 14.5%
Capital Employed - - -
Total Assets Less Current Liabilities 10.9% 10.9% 14.5%
Financial Ratio Analysis Unlock full report
Accounts Date 30-Jun-2025 30-Jun-2016 30-Jun-2015
Liquidity Ratio 1.1 1.1 1.1
Solvency Ratio 1.1 1.1 1.2
Reserves to Assets 0.1 0.1 0.1
Secured Creditors Unlock full report
Mortgages Charges 5
Mortgages Outstanding 2
Mortgages Part Satisfied 0
Mortgages Satisfied 3
Assets and Debt Analysis Unlock full report
Accounts Date 30-Jun-2025 30-Jun-2016 30-Jun-2015
Assets 89,479,000 89,479,000 78,458,000
Debt 79,836,000 79,836,000 67,066,000
Net Assets/Debt 9,643,000 9,643,000 11,392,000

The following is based on the accounts data presented in this report sourced from Companies House, however the company has filed later accounts. Our analysis of the latest account can be viewed by unlocking our full report.

The current section of the balance sheet has positive working capital. We would normally consider this positively. Total reserves including retained profitability and movement in reserves has some deficiency. For the size of the company inferred by the balance sheet this level of net assets suggests total debts and obligations were moderately well covered.

Unlock full report  The following is based on the accounts data presented in this report sourced from Companies House, however the company has filed later accounts. Our analysis of the latest account can be viewed by unlocking our full report.The current section of the balance sheet has positive working capital. We would normally consider this positively. Total reserves including retained profitability and movement in reserves has some deficiency. For the size of the company inferred by the balance sheet this level of net assets suggests total debts and obligations were moderately well covered.   The following is based on the accounts data presented in this report sourced from Companies House, however the company has filed later accounts. Our analysis of the latest account can be viewed by unlocking our full report.The current section of the balance sheet has positive working capital. We would normally consider this positively. Total reserves including retained profitability and movement in reserves has some deficiency. For the size of the company inferred by the balance sheet this level of net assets suggests total debts and obligations were moderately well covered.

This review of public record balance sheet and company status information is presented under the terms of Open Government Licence and is for informational purposes only, is general in nature, and is not intended as an opinion or advice for any specific circumstances. The commentary and the colour band score is not a credit rating or credit risk assessment.

This review does not constitute a full credit rating or credit risk assessment based on the full analysis and credit score algorithms used in our credit reports. A full credit report may also provide information relating to trade payment history and county court or court judgments if any.

Public Record Information Unlock full report
Exact Court Judgements
Period of Months Last 12m 13-24m 25-36m 37-48m 49-60m 61-72m
Number of Exact CCJS X Y Y X X Y
Value of Exact CCJS YXY YK S S X KX
Supplier Credit Limits Unlock full report
Date Sector Notified Amount Terms
XK-SXY XKXYXK SXSKXYXK £X,000 XS XYSKS
SK-SYY SKXYXKYKKY KSXX KKXXYXS £YY,000 YS XYSKS SK YXXSXS
YK-SXY XKXYXYYK SXSXYXK £SX,000 XS XYSKS
Payment Records Unlock full report
Payment Records from it's suppliers' company ledger show how a company is paying its suppliers

Payment Analysis

Total Invoices Paid Before
30 days due		 Paid After
30 days due		 Owing Before
30 days due		 Owing after
30 days due
XYX SX K YX X
Company Valuation Analysis Unlock full report

Going Concern Valuation

The going concern valuations value the company on the basis that it continues to trade without the threat of liquidation for the foreseeable future. These valuations are primarily profit and cashflow based.

Valuations Valuation Measures
Estimated High Value £XSI,000 Retained Profit £YX,000
Estimated Mid Value £YY,000 EBIT £SY,000
Estimated Low Value £X,000 EBITDA £SSX,000

Liquidation Valuation

The liquidaton valuation values the company as if it were to cease trading and assets were subject to rapid disposal to cover liabilities. This valuation is primarily asset based.

Valuations Valuation Measures
Estimated High Value £XY,000 Total Assets £XIX,000
Estimated Mid Value £Y,000 Net Assets £YX,000
Estimated Low Value £S,000 Tangible Equity £SX,000

The above valuations are based on our own algorithms and take no account of many factors that can influence actual valuations realized and should not therefore be assumed to be accurate.
Credit Status Checklist Unlock full report
Business Growth Please purchase a report to see true comments
EBITDA Purchase a report to see true comments
Dividends Please purchase a report to see true comments about this company
Retained Profits Retained Profits for this company
Debt Interest Debt Interest for this company
Cash Flow Cash Flow for this company
CCJs CCJs for this company
Age of Company Age of Company for this company
Solvency Solvency for this company
Secured Creditors Secured Creditors for this company
Ownership Ownership for this company


First Report Score: (0-10) X
Financial Status Guide:
10 Very Strong
9 Strong
8 Very Good
7 Good
6 Above Average
5 Average
4 Below Average
3 Poor
2 Weak
1 Very Weak
0 Critical

Risk Score Trend

Risk Rating Unlock full report

This is the credit risk assessment used by one of the top UK credit reference agencies.

Risk Score (1-100) X
Risk Band Description XXMXMXMX SISX
Risk Assessment Meeting of Creditors
Credit Rating XSKX
Altman Z Score Credit Risk Rating Unlock full report

There have been many bankruptcy predictors developed, however none has been so thoroughly tested and broadly accepted as the Altman Z-Score.

Z Score X
Risk Band XY
Risk Band Description The Z Score is not used for small companies where full accounts are not filed because profit and loss account items are required to calculate the score.

Z Score Bands

1 Low Risk 3.00 and above
2 Caution 2.63 - 2.99
3 Risk of Failure within 2 years 1.24 - 2.62
4 High Probability Failure Below 1.24
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Document Filings
Confirmation statement made on 1 March 2026 with no updates
Appointment of Mr Yoav Flam as a director on 27 October 2025
Termination of appointment of Ruchi Chimanlal Arora as a director on 2 July 2025
Appointment of Mrs Elena Stefani as a director on 25 June 2025
Termination of appointment of Neil Cooper as a director on 6 May 2025
Confirmation statement made on 1 March 2025 with no updates
Appointment of Ms Ruchi Chimanlal Arora as a director on 16 September 2024
Change of details for Redpine Holdings Limited as a person with significant control on 1 April 2024
Termination of appointment of Leonidas Markides as a director on 28 February 2024
Confirmation statement made on 1 March 2024 with no updates
Confirmation statement made on 1 December 2023 with updates
Change of details for Currencies Direct Holdings Limited as a person with significant control on 2 October 2023
Termination of appointment of Jonathan Matthew Beddell as a director on 31 July 2023
Confirmation statement made on 3 April 2023 with no updates
Appointment of Mr Arnaud Loiseau as a director on 31 January 2023
Termination of appointment of Keith Nigel Hatton as a director on 31 January 2023
Confirmation statement made on 3 April 2022 with no updates
Confirmation statement made on 3 April 2021 with no updates
Confirmation statement made on 3 April 2020 with no updates
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