# SPENDWISE FINANCIALS LTD (13036170)

> SPENDWISE FINANCIALS LTD is an active private limited company (company number 13036170) incorporated on 23 November 2020, registered in Harrow. Its registered activity is residents property management (SIC 98000). Latest micro accounts cover the period ending 30 November 2025, showing net assets of −£22k, with 0 employees on average. As micro-entity accounts, no profit and loss account is filed, so turnover and profit are not public. Net assets fell 105% on the prior period (−£11k). Across the last 3 periods on record the net-asset trend is falling.

- Status: Active
- Incorporated: 2020-11-23
- Registered office: Harrow, HA3 0XQ
- SIC 98000: Residents property management
- Next accounts due: 2027-08-30
- Confirmation statement due: 2026-12-07
- Accounts type: MICRO ENTITY

By net assets it sits in the bottom quarter of 11,897 comparable companies in Greater London (median £11, upper quartile £2,859).

## Accounts (as filed)

| Period end | Net assets | Cash | Debtors | Creditors <1y | Turnover | Profit | Employees |
|---|---|---|---|---|---|---|---|
| 2025-11-30 | −£22k | — | — | — | — | — | 0 |
| 2024-11-30 | −£11k | — | — | — | — | — | 0 |
| 2023-11-30 | £1 | — | — | — | — | — | 0 |

net assets trend falling; size band micro.

## Filing and accounts signals (facts, not a rating)

- Net assets below zero: Net assets £-21,894 at 30 November 2025
- Net assets down 25% or more on the prior period: -105.1% vs prior period
- Three or more accounting periods on record: 3 periods on record
- Incorporated five or more years ago: Incorporated 23 November 2020

How each signal is derived: https://firmoscan.com/methodology

## Persons with significant control

- Mr Sandip Joshi — owns 25–50% of shares; holds 25–50% of voting rights; can appoint or remove directors; can appoint or remove directors; can appoint or remove directors, since 2020-11-23
- Mrs Amee Joshi — owns 25–50% of shares; holds 25–50% of voting rights; can appoint or remove directors; can appoint or remove directors; can appoint or remove directors, since 2021-11-05

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Source: Companies House register snapshot 2026-08-31, Open Government Licence v3.0. Information may have changed since that date and is not advice or a credit reference; check the official record before relying on it. Official record: https://find-and-update.company-information.service.gov.uk/company/13036170
HTML: https://firmoscan.com/company/13036170-spendwise-financials-ltd