FUNDING CIRCLE HOLDINGS PLC
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Cash
£192M
+2.6% vs 2024
Net assets
£234M
+7.9% vs 2024
Employees
685
-5% lowest in 3 filed years
Profit before tax
£20M
+680.8% highest in 4 filed years
Net assets
4-year trend · vs Industrials median
Accounts
4-year trend · Δ = latest vs prior filed period · latest reflected 2025-12-31
| Metric | Trend | 2022-12-31 | 2023-12-31 | 2024-12-31 | 2025-12-31 | Δ vs prior |
|---|---|---|---|---|---|---|
| Turnover | £119,500,000 | £130,100,000 | £160,100,000 | £204,300,000 | +27.6% | |
| Operating profit | £15,400,000 | £2,600,000 | £3,400,000 | — | — | |
| Profit before tax | £8,600,000 | -£9,900,000 | £2,600,000 | £20,300,000 | +680.8% | |
| Net profit | £6,900,000 | — | — | — | — | |
| Cash | — | £221,400,000 | £187,600,000 | £192,400,000 | +2.6% | |
| Total assets less current liabilities | — | £255,500,000 | £222,900,000 | — | — | |
| Net assets | £284,000,000 | £246,800,000 | £216,500,000 | £233,500,000 | +7.9% | |
| Equity | £284,000,000 | £246,800,000 | £216,500,000 | £233,500,000 | +7.9% | |
| Average employees | — | 959 | 721 | 685 | -5% | |
| Wages | £57,000,000 | £55,600,000 | £56,000,000 | £57,400,000 | +2.5% | |
| Directors' remuneration | — | — | £2,346,000 | £2,788,000 | +18.8% |
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 | 2022-12-31 | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|---|
| Operating margin | 12.9% | 2.0% | 2.1% | — | |
| Net margin | 5.8% | — | — | — | |
| Return on capital employed | — | 1.0% | 1.5% | — | |
| Gearing (liabilities / total assets) | — | 33.9% | 39.5% | 56.4% | |
| Current ratio | — | 2.65x | 2.65x | 1.77x | |
| Interest cover | 1.77x | 0.87x | 0.30x | — |
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.
Name history
Renamed 1 time since incorporation
- FUNDING CIRCLE HOLDINGS PLC 2018-09-21 → present
- FUNDING CIRCLE HOLDINGS LIMITED 2010-01-13 → 2018-09-21
Audit & accounting basis
- Accounting basis
- IFRS
- Reporting scope
- Consolidated group
- Auditor
- PricewaterhouseCoopers LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The Directors have prepared the consolidated financial statements on the going concern basis, having considered the Group’s cash flow forecasts for the next 15 months to 30 June 2027 and believing there is a reasonable probability of hitting forecasts. The auditor does not report a material uncertainty related to going concern.”
Group structure
- FUNDING CIRCLE HOLDINGS PLC · parent
- Funding Circle UK 100%
- Funding Circle Global Partners Limited 100%
- Funding Circle Eclipse Lending Limited 100%
- Funding Circle Focal Point Lending Limited 100%
- Funding Circle Global Partners Limited 100%
- Funding Circle Trustee Limited 100%
- Made To Do More Limited 100%
- Funding Circle Polaris Lending Limited 100%
- Funding Circle CE GmbH 100%
- Funding Circle Deutschland GmbH 100%
- Funding Circle Connect GmbH 100%
- ECI Forderungsmanagement GmbH 100%
- Funding Circle Nederland B.V. 100%
Significant events
- “Funding Circle helped The Nest Climbing expand its facilities with a £25,000 term loan. Ethical Bedding used a £2,000 Cashback credit card. Bird & Blend Tea Co. received multiple Term Loans over £550,000. Frontier Energy was approved for a loan in 2023.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
9 active · 21 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| WHITELEY, Sarah | Secretary | 2026-01-01 | — | — |
| BECK, Helen | Director | 2021-06-01 | Jan 1962 | British |
| BYRNE, Maeve Ann | Director | 2025-06-02 | Aug 1966 | Irish |
| HARVEY, Richard John | Director | 2025-08-01 | Feb 1963 | British |
| JACOBS, Lisa Jane | Director | 2022-01-01 | Apr 1985 | British |
| NELIS, Hendrik Willem | Director | 2013-09-13 | Feb 1964 | Dutch |
| NICOL, Anthony Richard Craig | Director | 2025-01-01 | Nov 1976 | British |
| RIMER, Neil | Director | 2011-03-09 | Oct 1963 | Swiss |
| STANNARD, Kenneth John | Director | 2025-01-01 | Feb 1966 | British |
Show 21 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| GRIFFITHS, Lisa Jane | Secretary | 2014-05-13 | 2014-07-15 |
| MEEKINGS, James | Secretary | 2010-01-13 | 2012-05-16 |
| VERNALL, Lucy | Secretary | 2014-07-15 | 2025-12-31 |
| ZIRANOVA, Eugenia | Secretary | 2013-05-01 | 2014-05-09 |
| OVALSEC LIMITED | Corporate Secretary | 2012-05-16 | 2013-05-01 |
| ASMUSSEN, Jörg | Director | 2016-03-31 | 2017-10-01 |
| BENNETT, Jeremy John Leonard | Director | 2016-09-21 | 2016-12-07 |
| DANIELS, John Eric | Director | 2016-09-09 | 2024-05-15 |
| DESAI, Samir | Director | 2010-01-13 | 2024-10-25 |
| EDMANS, Michael Laurence | Director | 2010-05-21 | 2011-03-09 |
| GLITHERO, Sean Robert | Director | 2017-11-28 | 2020-05-20 |
| GOPALAN, Geeta | Director | 2018-11-01 | 2025-06-18 |
| KEERS, Catherine Jane | Director | 2018-05-01 | 2021-05-19 |
| KING, Matthew James Wyatt | Director | 2021-05-19 | 2024-12-31 |
| LEAROYD, Andrew Digby | Director | 2010-02-25 | 2025-05-15 |
| MEEKINGS, James | Director | 2010-01-13 | 2016-05-04 |
| MORGAN, Alan William | Director | 2010-05-21 | 2011-03-09 |
| MULLINGER, Andrew Christopher Arthur | Director | 2010-01-13 | 2011-03-09 |
| STEEL, Robert King | Director | 2014-07-15 | 2021-05-19 |
| WHITE, Oliver John | Director | 2020-06-15 | 2024-12-31 |
| WRAY, Edward James | Director | 2011-08-09 | 2021-05-19 |
Ownership
Persons with significant control
Filing timeline
Last 20 of 791 total filings
Material constitutional events — rename, articles re-file, resolution
- 2026-06-06 RESOLUTIONS Resolution
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-06-24 | AA | accounts | Accounts with accounts type group | |
| 2026-06-19 | SH03 | capital | Capital return purchase own shares treasury capital date | |
| 2026-06-08 | SH03 | capital | Capital return purchase own shares treasury capital date | |
| 2026-06-06 | RESOLUTIONS | resolution | Resolution | |
| 2026-05-19 | SH03 | capital | Capital return purchase own shares treasury capital date | |
| 2026-05-19 | SH03 | capital | Capital return purchase own shares treasury capital date | |
| 2026-05-19 | SH03 | capital | Capital return purchase own shares treasury capital date | |
| 2026-05-14 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2026-05-13 | ANNOTATION | miscellaneous | Legacy | |
| 2026-05-13 | SH03 | capital | Capital return purchase own shares treasury capital date | |
| 2026-05-13 | SH03 | capital | Capital return purchase own shares treasury capital date | |
| 2026-04-20 | SH03 | capital | Capital return purchase own shares treasury capital date | |
| 2026-04-20 | SH03 | capital | Capital return purchase own shares treasury capital date | |
| 2026-03-25 | SH03 | capital | Capital return purchase own shares treasury capital date | |
| 2026-03-18 | SH03 | capital | Capital return purchase own shares treasury capital date | |
| 2026-03-06 | SH03 | capital | Capital return purchase own shares treasury capital date | |
| 2026-03-06 | SH03 | capital | Capital return purchase own shares treasury capital date | |
| 2026-02-27 | SH03 | capital | Capital return purchase own shares treasury capital date | |
| 2026-02-26 | SH03 | capital | Capital return purchase own shares treasury capital date | |
| 2026-02-25 | SH03 | capital | Capital return purchase own shares treasury capital date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 20
- Capital events
- 16
- Officers appointed
- 2
- Officers resigned
- 1
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.