JAJA FINANCE (INVESTCO) LIMITED

Values shown as filed in the company's annual accounts. — indicates the figure wasn't present under that line item in that period. About these numbers

• Turnover

  +78%

  £35,497,702 → £63,193,566

• Cash

  —

  Not reported

• Net assets

  +92.4%

  £36,606,557 → £70,429,276

• Employees

  0%

  2 → 2

• Operating profit

  -638.4%

  £1,035,919 → -£5,577,281

• Profit before tax

  -638.4%

  £1,035,919 → -£5,577,281

Each % is (latest − prior) ÷ |prior| for the line item as filed. The comparison is only shown when the latest and prior accounts cover broadly equal-length periods — short or long stubs (typical around incorporation or a year-end change) are suppressed rather than misrepresented. Lines a company doesn't report are omitted. About these numbers

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.

Accounting basis

FRS 102

Reporting scope

Standalone (parent only)

Auditor

S&W Audit

Audit opinion

Unqualified (clean)

Going concern

Affirmed

“We draw attention to note 2.3 in the financial statements, which sets out that the group of which Jaja Finance Limited is a part, remain reliant on the successful completion of key financing arrangements, including the revised Pana warehouse facility and the launch of the Falcon Master Trust securitisation structure, as well as continued financial support from its shareholders. These conditions indicate the existence of a material uncertainty that may cast significant doubt on the company's ability to continue as a going concern. Our opinion is not modified in respect of this matter.”

Significant events

• “The Company received equity investment of £39.4m from its parent undertaking, Jaja Finance Holding (UK) Limited, during the year to fund operational activities.”
• “In March 2025, Ray Fintech Limited (Jersey) established a new payment in kind Loan Note Instrument facility with the immediate parent company of £100,000,000 with an interest rate of 15% per annum and a settlement date of 21 March 2035. On 16 July 2025, £7m of this loan facility was drawn down. The remainder of the facility is at the issuer's discretion and is not a committed obligation.”
• “While the Group has negotiated revised commercial terms for the Pana warehouse and has substantially progressed the Falcon Master Trust structure, both arrangements remain subject to completion of legal documentation and, in the case of the master trust, market execution. Both arrangements are expected to complete in early October 2025.”

Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers

Filings

2

last 12 months

Capital events

1

last 24 months

Officers appointed

0

last 12 months

Officers resigned

0

last 12 months

Direct counts from the register. No score, no rating — see the Filing timeline for the underlying events.