Success Inspired Limited (Claire & Keith Spencer) - directors loan account has gone from just under £10,000 in 2014 to £205,000 in the most recent accounts to June 2019.
Residual Wealth Management Limited (Natalie Heeley) - 2019 accounts should have been filed at the end of June and weren't. The 2018 accounts show a directors loan account of £753,802, up from £631,746 in 2017. Earliest filed accounts in 2014 show no directors loan at all, so that's a LOT of money taken out in four years.
Emma Cooper Global Limited (Emma and Shaun Cooper) - 2019 directors loan account stands at £402,232, the earliest filed accounts for 2016 show no directors loan at all, so again, a lot of money taken out in the past few years.
Basically the lifestyles are being propped up by enormous amounts of money taken out of the business. Crucially you don't pay tax on them if they're repaid to the company within 9 months of year end, but if you fail to repay there's a corporation tax charge of 32.5% - that would mean, in Natalie's case, a tax bill of £244,985.65. Each of these three companies is showing the previous year's loan paid back and a new, bigger one taken out, this is known as bed and breakfasting and if HMRC can prove the loans haven't been paid back, but simply rolled into a new one, they can treat it as if it was unpaid and levy the tax charge anyway. I should think some of the directors have had some pretty sleepless nights with the levels of bonus cheques in recent years.