CREDIT REPORTING AGENCY LIMITED
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Cash
£10m
+43.3% highest in 6 filed years
Net assets
£9.3m
-8.8% vs 2025
Employees
69
+15% highest in 6 filed years
Profit before tax
£12m
+33.9% highest in 3 filed years
Watch the reel
Our short-form breakdown of CREDIT REPORTING AGENCY LIMITED's latest filing
A look at the numbers behind checkmyfile. Strong margins, rising profits, and a massive dividend payout this year. 📊
Net assets
6-year trend · vs Industrials median
Accounts
6-year trend · Δ = latest vs prior filed period · latest reflected 2026-03-31
| Metric | Trend | 2021-03-31 | 2022-03-31 | 2023-03-31 | 2024-03-31 | 2025-03-31 | 2026-03-31 | Δ vs prior |
|---|---|---|---|---|---|---|---|---|
| Turnover | — | — | — | £26,428,839 | £29,932,401 | £33,775,605 | +12.8% | |
| Operating profit | — | — | — | £7,771,608 | £8,593,553 | £11,502,472 | +33.9% | |
| Profit before tax | — | — | — | £7,832,050 | £8,716,900 | £11,671,813 | +33.9% | |
| Net profit | — | — | — | £5,872,912 | £6,480,750 | £8,746,216 | +35% | |
| Cash | £2,966,298 | £2,776,728 | £2,984,361 | £5,265,353 | £7,027,494 | £10,069,810 | +43.3% | |
| Total assets less current liabilities | £3,447,516 | £47,269 | £5,113,216 | £6,996,278 | £10,501,778 | £9,565,794 | -8.9% | |
| Net assets | £3,403,251 | — | £5,027,756 | £6,686,846 | £10,204,596 | £9,302,812 | -8.8% | |
| Equity | £3,403,251 | £100 | £5,027,756 | £6,686,846 | £10,204,596 | £9,302,812 | -8.8% | |
| Average employees | 27 | 30 | 36 | 48 | 60 | 69 | +15% | |
| Wages | — | — | — | £2,442,729 | £3,112,644 | £3,693,275 | +18.7% | |
| Directors' remuneration | — | — | — | £627,116 | £607,007 | £751,167 | +23.7% | |
| Directors' pension contributions | £NaN | £NaN | £NaN | £16,000 | £47,770 | £84,047 | +75.9% | |
| Highest paid director | £NaN | £NaN | £NaN | £285,992 | £237,208 | £266,194 | +12.2% |
Values shown as filed in the company's annual accounts. — indicates the figure wasn't present under that line item in that period. The Δ column is the change from the prior filed period as a percentage of |prior|; lines a company doesn't report show —. About these numbers
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2021-03-31 | 2022-03-31 | 2023-03-31 | 2024-03-31 | 2025-03-31 | 2026-03-31 |
|---|---|---|---|---|---|---|---|
| Operating margin | — | — | — | 29.4% | 28.7% | 34.1% | |
| Net margin | — | — | — | 22.2% | 21.7% | 25.9% | |
| Return on capital employed | — | — | — | 111.1% | 81.8% | 120.2% | |
| Gearing (liabilities / total assets) | 45.8% | — | 44.5% | 41.0% | 35.0% | 58.0% | |
| Current ratio | — | — | — | 1.71x | 2.29x | 1.47x |
Margins divide P&L lines by turnover. Gearing is liabilities over total assets. Current ratio is current assets over creditors falling due within one year. Interest cover is operating profit over absolute finance costs. Sector-distribution context coming next.
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Standalone (parent only)
- Auditor
- PKF Francis Clark
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“Based on the work we have performed, we have not identified any material uncertainties relating to events or conditions that, individually or collectively, may cast significant doubt on the company's ability to continue as a going concern for a period of at least twelve months from when the original financial statements were authorised for issue.”
Significant events
- “There is a dependence on IT systems to deliver to our customers. Disruptions to our IT Systems would interfere with day to day operations, and potentially impact our reputation with customers and other suppliers/stakeholders.”
- “The Company must remain compliant with FCA regulations, PCI DSS and UK GDPR across all applicable activities. These regulatory bodies regularly review and change policies and procedures, therefore the future reviews represent uncertainty to the business and the way it operates.”
- “Major overhauls to the wider industry, such as the Digital Sales Pack and changes to subscription legislation represent opportunities and threats to our current business model.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
5 active · 9 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| ANDERSON-RILEY, Paul | Secretary | 2025-08-19 | — | — |
| ANDERSON-RILEY, Paul | Director | 2025-06-01 | Sep 1991 | British |
| HARLAND, Andrew Neil | Director | 2022-05-24 | Jun 1979 | British |
| STAMP, Christopher James | Director | 2012-07-25 | Apr 1978 | British |
| TWYFORD, Samuel | Director | 2024-08-01 | Sep 1987 | British |
Show 9 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| CARPENTER, Ian Paul | Secretary | 2017-11-13 | 2023-02-23 |
| HARLAND, Andrew Neil | Secretary | 2023-02-23 | 2025-08-19 |
| STAMP, Barry Kevin | Secretary | 1999-02-25 | 2017-11-13 |
| CARPENTER, Ian Paul | Director | 2012-07-25 | 2023-02-23 |
| CATLIN, Richard David | Director | 2012-07-25 | 2024-10-02 |
| KENT, Elizabeth Kathleen | Director | 1999-02-25 | 2015-04-30 |
| KENT, Peter Andrew | Director | 1999-02-25 | 2015-04-30 |
| STAMP, Ann Marie | Director | 1999-02-25 | 2017-11-13 |
| STAMP, Barry Kevin | Director | 1999-02-25 | 2020-02-14 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Credit Reporting Agency (Bidco) Limited | Corporate entity | Shares 75–100%, Voting 75–100% | 2021-03-31 | Active |
| Credit Reporting Agency (Topco) Limited | Corporate entity | Shares 75–100% | 2017-11-13 | Ceased 2017-11-13 |
| Credit Reporting Agency (Holdings) Limited | Corporate entity | Shares 75–100% | 2016-04-30 | Ceased 2021-03-31 |
| Mr Barry Kevin Stamp | Individual | Significant influence | 2016-04-06 | Ceased 2017-11-13 |
| Mrs Ann Marie Stamp | Individual | Significant influence | 2016-04-06 | Ceased 2017-11-13 |
| Credit Reporting Agency (Holdings) Limited | Corporate entity | Shares 75–100% | 2016-04-06 | Ceased 2017-11-13 |
Filing timeline
Last 20 of 113 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-08-11 | AA | accounts | Accounts with accounts type full | |
| 2026-02-06 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2026-01-06 | PSC05 | persons-with-significant-control | Change to a person with significant control | |
| 2025-12-01 | AA | accounts | Accounts with accounts type full | |
| 2025-08-20 | AP03 | officers | Appoint person secretary company with name date | |
| 2025-08-20 | TM02 | officers | Termination secretary company with name termination date | |
| 2025-06-11 | AP01 | officers | Appoint person director company with name date | |
| 2025-02-21 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-10-03 | TM01 | officers | Termination director company with name termination date | |
| 2024-09-25 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2024-09-25 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2024-08-15 | AP01 | officers | Appoint person director company with name date | |
| 2024-07-24 | AA | accounts | Accounts with accounts type full | |
| 2024-02-23 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-12-19 | AA | accounts | Accounts with accounts type small | |
| 2023-07-11 | AD01 | address | Change registered office address company with date old address new address | |
| 2023-03-14 | AP03 | officers | Appoint person secretary company with name date | |
| 2023-03-14 | TM02 | officers | Termination secretary company with name termination date | |
| 2023-03-14 | TM01 | officers | Termination director company with name termination date | |
| 2023-02-23 | CS01 | confirmation-statement | Confirmation statement with no updates |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 4
- Capital events
- 0
- Officers appointed
- 0
- Officers resigned
- 0
last 12 months
last 24 months
last 12 months
last 12 months
Direct counts from the register. No score, no rating — see the Filing timeline for the underlying events.