CLOUD LENDING UK LTD
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Cash
£2m
+2% highest in 3 filed years
Net assets
£1.7m
+6.6% highest in 3 filed years
Employees
7
-22.2% lowest in 3 filed years
Profit before tax
£89k
-13.2% vs 2024
Net assets
3-year trend · vs Technology median
Accounts
3-year trend · Δ = latest vs prior filed period · latest reflected 2025-12-31
| Metric | Trend | 2023-12-31 | 2024-12-31 | 2025-12-31 | Δ vs prior |
|---|---|---|---|---|---|
| Turnover | £1,814,926 | £1,285,486 | £874,389 | -32% | |
| Operating profit | £87,601 | £59,678 | £49,862 | -16.4% | |
| Profit before tax | £86,976 | £103,044 | £89,487 | -13.2% | |
| Net profit | £97,710 | £114,391 | £86,411 | -24.5% | |
| Cash | £1,799,914 | £1,936,332 | £1,975,798 | +2% | |
| Total assets less current liabilities | £1,474,861 | £1,614,903 | £1,721,609 | +6.6% | |
| Net assets | £1,474,861 | £1,614,903 | £1,721,609 | +6.6% | |
| Equity | £1,474,861 | £1,614,903 | £1,721,609 | +6.6% | |
| Average employees | 12 | 9 | 7 | -22.2% | |
| Wages | £972,156 | £702,407 | £431,675 | -38.5% | |
| Directors' remuneration | — | — | — | — |
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 | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|
| Operating margin | 4.8% | 4.6% | 5.7% | |
| Net margin | 5.4% | 8.9% | 9.9% | |
| Return on capital employed | 5.9% | 3.7% | 2.9% | |
| Gearing (liabilities / total assets) | 41.8% | 35.5% | 31.2% | |
| Current ratio | 2.23x | 2.77x | 3.20x | |
| Interest cover | — | 36.19x | — |
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 101
- Reporting scope
- Standalone (parent only)
- Auditor
- Albert Goodman LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“These financial statements have been prepared on a going concern basis. The directors, having considered the financial position of the Company for a period of at least twelve months from the date of signing these financial statements, have no reason to believe that a material uncertainty exists that may cast doubt about the Company's ability to continue as a going concern.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
4 active · 5 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| KERR, Michael Scott | Secretary | 2022-08-05 | — | — |
| FLAKE, Matthew Paul | Director | 2018-10-15 | Dec 1971 | American |
| PRICE, Jonathan Adam, Mr. | Director | 2024-10-15 | May 1983 | American |
| RUTLEDGE, Kimberly Anne | Director | 2023-11-09 | Sep 1968 | American |
Show 5 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BENTON, Barrett Gerald | Secretary | 2018-10-15 | 2022-08-05 |
| FULZELE, Snehal | Director | 2015-11-19 | 2018-10-15 |
| HARRIS, Jennifer Noel | Director | 2018-10-15 | 2021-03-15 |
| MEHOK, David John | Director | 2021-03-15 | 2024-10-15 |
| SAINI, Darpan | Director | 2015-11-19 | 2018-10-15 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Q2 Holdings, Inc. | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2019-07-01 | Active |
Filing timeline
Last 20 of 47 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-08-18 | AA | accounts | Accounts with accounts type full | |
| 2025-11-05 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-09-19 | AA | accounts | Accounts with accounts type full | |
| 2024-11-18 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-11-14 | PSC05 | persons-with-significant-control | Change to a person with significant control | |
| 2024-10-16 | AP01 | officers | Appoint person director company with name date | |
| 2024-10-15 | TM01 | officers | Termination director company with name termination date | |
| 2024-10-02 | AA | accounts | Accounts with accounts type full | |
| 2023-12-18 | AP01 | officers | Appoint person director company with name date | |
| 2023-12-01 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-12-01 | AD01 | address | Change registered office address company with date old address new address | |
| 2023-09-29 | AA | accounts | Accounts with accounts type full | |
| 2023-01-04 | AA | accounts | Accounts with accounts type full | |
| 2022-12-06 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-11-21 | AP03 | officers | Appoint person secretary company with name date | |
| 2022-11-18 | TM02 | officers | Termination secretary company with name termination date | |
| 2022-05-05 | AD01 | address | Change registered office address company with date old address new address | |
| 2021-11-24 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2021-11-19 | PSC05 | persons-with-significant-control | Change to a person with significant control | |
| 2021-11-19 | CH01 | officers | Change person director company with change date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 3
- 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.