Company Overview
Wise Payments Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Wednesday 31 March 2010, so this is a well established company. Wise Payments Limited has been in business for 16 years. The accounts status is full and the accounts are next due on Thursday 31 December 2026.
Registered Address

1St Floor Worship Square, 65 Clifton Street, London, EC2A 4JE
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Companies House Data
Company NameWISE PAYMENTS LIMITED
Company Number07209813
Registered Office Address1st Floor Worship Square
 65 Clifton Street
 EC2A 4JE
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date31/03/2010
Accounting Reference Date Day31
Accounting Reference Date Month3
Accounts Next Due Date31/12/2026
Accounts Last Made Up Date31/03/2025
Accounts Account CategoryFULL
Returns Next Due Date28/04/2017
Returns Last Made Up Date31/03/2016
Previous Company NameChanged Date
TRANSFERWISE LTD25 Jun 2021
EXCHANGE SOLUTIONS LTD03 Aug 2012
Directors & Members
Show Resigned
Rohan Basu - Director
(British, 36 years old, born April 1990)
Appointed 06 September 2024
 Active
Matthew Briers - Director
(British, 50 years old, born December 1976)
Appointed 28 November 2024
 Active
Kristo Kaarmann - Director
(Estonian, 46 years old, born August 1980)
Appointed 31 March 2010
 Active
Lars Trunin - Director
(Estonian, 37 years old, born December 1989)
Appointed 16 June 2023
 Active
Secretaries
Show Resigned
Jane Fahey - Secretary
Appointed 28 June 2024
 Active
Other Company Directorships
Rohan Basu
No companies found
Matthew Briers
DRIVE 55 LTD
WISE ASSETS NOMINEES LTD
WISE ASSETS UK LTD
WISE FINANCIAL HOLDINGS LTD
WISE INVESTMENTS HOLDINGS LTD
WISE PLC
Kristo Kaarmann
PARROT 1 LTD
PARROT 2 LTD
PARROT 3 LTD
PARROT 4 LTD
WISE ASSETS NOMINEES LTD
WISE ASSETS UK LTD
WISE FINANCIAL HOLDINGS LTD
WISE INVESTMENTS HOLDINGS LTD
WISE PLC
WISE TRANSFER LTD
Lars Trunin
No companies found
Balance Sheet Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2017 31-Mar-2016
Balance Sheet
Fixed Assets 16,892,000 16,892,000 5,471,000
Current Assets 100,503,000 100,503,000 55,405,000
Creditors Due Within One Year 68,193,000 68,193,000 25,793,000
Working Cap 32,310,000 32,310,000 29,612,000
Total Assets Less Current Liabilities 49,202,000 49,202,000 35,083,000
Long-term Liabilities 0 0 0
Net Assets 49,202,000 49,202,000 35,083,000
Share Capital & Reserves
Share Cap 0 0 0
Profit & Loss Reserves -24,564,000 -24,564,000 -31,219,000
Other Reserves 73,766,000 73,766,000 66,302,000
Shareholders Funds 49,202,000 49,202,000 35,083,000
Common Size Financial Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2017 31-Mar-2016
Tangible Fixed Assets - - -
Fixed Assets 14.4% 14.4% 9.0%
Stocks Inventory 0.0% 0.0% 0.0%
Debtors 0.0% 0.0% 0.0%
Cash Bank In Hand 51.4% 51.4% 78.5%
Current Assets 85.6% 85.6% 91.0%
Creditors Due Within One Year 58.1% 58.1% 42.4%
Net Current Assets Liabilities 27.5% 27.5% 48.6%
Creditors Due After One Year 0.0% 0.0% 0.0%
Accruals Deferred Income - - -
Provisions For Liabilities Charges - - -
Net Assets Liabilities Including Pension Asset Liability 41.9% 41.9% 57.6%
Called Up Share Capital 0.0% 0.0% 0.0%
Share Capital Allotted Called Up Paid 0.0% 0.0% 0.0%
Profit Loss Account Reserve -20.9% -20.9% -51.3%
Shareholder Funds 41.9% 41.9% 57.6%
Capital Employed - - -
Total Assets Less Current Liabilities 41.9% 41.9% 57.6%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2017 31-Mar-2016
Liquidity Ratio 1.5 1.5 2.1
Solvency Ratio 1.7 1.7 2.4
Reserves to Assets -0.2 -0.2 -0.5
Secured Creditors Unlock full report
Mortgages Charges 15
Mortgages Outstanding 1
Mortgages Part Satisfied 0
Mortgages Satisfied 14
Assets and Debt Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2017 31-Mar-2016
Assets 117,395,000 117,395,000 60,876,000
Debt 68,193,000 68,193,000 25,793,000
Net Assets/Debt 49,202,000 49,202,000 35,083,000

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 company balance sheet displays a comfortable surplus of working capital. We would normally view this positively. Total reserves including retained profitability and movement in reserves appeared positive. We would normally view a company positively for this. The balance sheet indicates the net assets of a good sized company. For the size of the company inferred by the balance sheet the level of net assets suggests a comfortable level of cover for total debts and obligations.

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 company balance sheet displays a comfortable surplus of working capital. We would normally view this positively. Total reserves including retained profitability and movement in reserves appeared positive. We would normally view a company positively for this. The balance sheet indicates the net assets of a good sized company. For the size of the company inferred by the balance sheet the level of net assets suggests a comfortable level of cover for total debts and obligations.   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 company balance sheet displays a comfortable surplus of working capital. We would normally view this positively. Total reserves including retained profitability and movement in reserves appeared positive. We would normally view a company positively for this. The balance sheet indicates the net assets of a good sized company. For the size of the company inferred by the balance sheet the level of net assets suggests a comfortable level of cover for total debts and obligations.

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
Termination of appointment of Sharon Anne Kean as a director on 2 May 2025
Director's details changed for Lars Trunin on 3 March 2025
Secretary's details changed for Jane Fahey on 3 March 2025
Director's details changed for Sharon Anne Kean on 3 March 2025
Confirmation statement made on 31 March 2025 with updates
Change of details for Wise Financial Holdings Ltd as a person with significant control on 3 March 2025
Register(s) moved to registered office address 1st Floor Worship Square 65 Clifton Street London EC2A 4JE
Registered office address changed from 6th Floor, Tea Building 56 Shoreditch High Street London E1 6JJ England to 1st Floor Worship Square 65 Clifton Street London EC2A 4JE on 3 March 2025
Satisfaction of charge 072098130012 in full
Satisfaction of charge 072098130011 in full
Satisfaction of charge 072098130015 in full
Satisfaction of charge 072098130013 in full
Satisfaction of charge 072098130014 in full
Appointment of Mr Matthew John Briers as a director on 28 November 2024
Appointment of Rohan Basu as a director on 6 September 2024
Appointment of Jane Fahey as a secretary on 28 June 2024
Termination of appointment of Syeeda Ollite as a secretary on 28 June 2024
Confirmation statement made on 31 March 2024 with updates
Termination of appointment of Matthew John Briers as a director on 15 December 2023
Resolutions
Memorandum and Articles of Association
Director's details changed for Sharon Anne Kean on 26 June 2023
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