Fluent Money Limited
Registered name: FLUENT MONEY LIMITED
Part of Mortgage Advice Bureau (Holdings) PLC groupFluent Money Limited made £31m revenue and £2.7m profit in the year to 31 Dec 2024.
Fluent Money Limited’s revenue was £31m in the year to 31 Dec 2024, with £2.7m profit. The company is classified under “financial intermediation not elsewhere classified” and is based in Bolton; we hold 3 years of its filed accounts.
- Status
- Active
- Location
- Bolton
- Age
- 19 yrs · since 2007
- Type
- Private Limited Company
Key figures
Financial history
| Year to | 31 Dec 2022 | 31 Dec 2023 | 31 Dec 2024 |
|---|---|---|---|
| Disclosure | Full P&L | Full P&L | Full P&L |
| Profit & loss | |||
| Revenue (turnover) | £22.6m | £26.3m | £31m |
| Cost of sales | −£14.6m | −£18.1m | −£19.5m |
| Gross profit | £8.1m | £8.2m | £11.5m |
| Operating profit | £1.1m | −£1.5m | £3.2m |
| Profit before tax | £1.1m | −£1.5m | £3.1m |
| Profit after tax | £857k | −£1.3m | £2.7m |
| Profit (best available) | £857k | −£1.3m | £2.7m |
| Employees (average) | 544 | 468 | — |
| Ratios | |||
| Profit margin | 3.8% | −5.1% | 8.8% |
| Gross margin | 35.7% | 31.3% | 37% |
| Revenue per employee | £41.6k | £56.2k | — |
| Profit per employee | £1.6k | −£2.9k | — |
| Balance sheet — indirect signals, not revenue | |||
| Net assets | — | — | — |
| Source | Accounts · bulk data Oct 2024 | Accounts · bulk data Oct 2024 | Accounts · bulk data Oct 2025 |
How the business works
- Profit margin
- 8.8%
- Profit ÷ revenue.
- Gross margin
- 37%
- Gross profit ÷ revenue. High for software and services.
- Revenue per employee
- —
- Revenue ÷ average employees.
- Profit per employee
- —
- Profit ÷ average employees.
- Cash conversion
- —
- Cash generated from operations ÷ operating profit. Needs a cash-flow statement.
- Fixed assets ÷ revenue
- —
- Capital intensity. Low = capital-light, cheaper to start.
- Deferred income ÷ revenue
- —
- Customers paying upfront (subscriptions, deposits). Approximate when combined with accruals.
- Debtors ÷ revenue
- —
- Money owed by customers. Low = customers pay quickly.
Balance-sheet signals
Year-on-year changes in filed balance-sheet items. They can hint at momentum (or investment) but are not revenue or profit and must not be read as such.
- Net assets
- —
- Now —
- Cash at bank
- —
- Now —
- Headcount
- —
- Now —
- Deferred income
- —
- Now —
- Fixed assets
- —
- Now —
Group structure
Ownership chain
- Mortgage Advice Bureau (Holdings) PLCultimate parent75–100%
- Mortgage Advice Bureau Limited75–100%
- Project Finland Topco Limited75–100%
- Project Finland Bidco Limited75–100%
- The Fluent Money Group Limited75–100%
- Fluent Money Limitedthis company
Bands show the share of ownership each company holds in the one below it.
Sister companies (4)
- Fluent Bridging LimitedFigures not disclosed
- Fluent Lifetime LimitedFigures not disclosed
- Fluent Loans LimitedFigures not disclosed
- Fluent Mortgage Holdings LimitedFigures not disclosed
From the Persons with Significant Control register (corporate controllers only).
Sources
Latest figures from accounts for the year to 31 Dec 2024 (profit £2.7m), from the Companies House accounts bulk data published Oct 2025. Spotted an error? Request a correction.
Updated from Companies House on 22 Oct 2026
Contains public sector information from Companies House licensed under the Open Government Licence v3.0. Data from Companies House, © Crown copyright. View the licence.