CREDIT REPORTING AGENCY (HOLDCO) LIMITED
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Next accounts due
2026-12-31 (in 7mo)
Last filed for 2025-03-31
Confirmation statement due
2026-09-13 (in 4mo)
Last made up 2025-08-30
Watchouts
Cash
£7M
Latest balance sheet
Net assets
£5M
Equity attributable
Employees
60
Average over period
Profit before tax
£8M
Period ending 2025-03-31
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
2 PSCs ceased in last 24 months
Significant control changed hands — see the Ownership section.
Net assets
2-year trend · vs Industrials median
Accounts
2-year trend · latest reflected 2025-03-31
| Metric | Trend | 2024-03-31 | 2025-03-31 |
|---|---|---|---|
| Turnover | £29,225,040 | £29,932,401 | |
| Operating profit | £7,248,688 | £7,804,364 | |
| Profit before tax | £7,010,243 | £7,745,219 | |
| Net profit | £5,094,248 | £5,515,819 | |
| Cash | £5,265,800 | £7,027,685 | |
| Total assets less current liabilities | £10,806,222 | £10,812,047 | |
| Net assets | £3,747,752 | £4,765,571 | |
| Equity | £3,747,752 | £4,765,571 | |
| Average employees | 48 | 60 | |
| Wages | £2,610,182 | £3,112,645 | |
| Directors' remuneration | £759,004 | £607,008 |
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
Year-on-year
FY2024 → FY2025 · period ending 2025-03-31 vs 2024-03-31
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2024-03-31 | 2025-03-31 |
|---|---|---|---|
| Operating margin | 24.8% | 26.1% | |
| Net margin | 17.4% | 18.4% | |
| Return on capital employed | 67.1% | 72.2% | |
| Current ratio | 1.14x | 1.25x | |
| Interest cover | 24.25x | 42.77x |
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
- Consolidated group
- Auditor
- PKF Francis Clark
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“In auditing the financial statements, we have concluded that the director's use of the going concern basis of accounting in the preparation of the financial statements is appropriate. 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 group and parent 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.”
Group structure
- CREDIT REPORTING AGENCY (HOLDCO) LIMITED · parent
- Credit Reporting Agency (Bidco) Limited 100%
- Credit Reporting Agency Limited 100%
- Checkmyfile Limited 100%
- Credit Reporting Agency (EBT) Limited 100%
Significant events
- “The group continues to make significant investments to build internal capability to respond to customer needs, with significant customer facing improvements on track to deliver.”
- “The company is exploring and investing in the right areas to continue to grow product offerings for the benefit of our growing customer base.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
5 active · 1 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 | 2024-08-01 | Jun 1979 | British |
| STAMP, Christopher James | Director | 2022-10-20 | Apr 1978 | British |
| TWYFORD, Samuel | Director | 2024-08-01 | Sep 1987 | British |
Show 1 resigned officer
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| CATLIN, Richard David | Director | 2022-10-20 | 2024-10-02 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Mr Richard David Catlin | Individual | Shares 25–50% | 2024-10-02 | Ceased 2025-10-02 |
| Mr Richard David Catlin | Individual | Shares 25–50%, Voting 25–50%, Appoints directors | 2022-10-20 | Ceased 2024-10-02 |
| Mr Christopher James Stamp | Individual | Shares 50–75%, Voting 75–100%, Appoints directors | 2022-10-20 | Active |
Filing timeline
Last 20 of 32 total filings
Material constitutional events — rename, articles re-file, resolution
- 2024-12-04 MA Memorandum articles
- 2024-11-21 RESOLUTIONS Resolution
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-03-11 | ANNOTATION | miscellaneous | Legacy | |
| 2026-01-28 | SH03 | capital | Capital return purchase own shares | |
| 2026-01-14 | SH06 | capital | Capital cancellation shares | |
| 2025-12-01 | AA | accounts | Accounts with accounts type group | |
| 2025-10-02 | PSC07 | persons-with-significant-control | Cessation of a person with significant control | |
| 2025-09-02 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2025-08-20 | AP03 | officers | Appoint person secretary company with name date | |
| 2025-06-11 | AP01 | officers | Appoint person director company with name date | |
| 2025-06-05 | SH08 | capital | Capital name of class of shares | |
| 2025-06-05 | SH10 | capital | Capital variation of rights attached to shares | |
| 2024-12-04 | MA | incorporation | Memorandum articles | |
| 2024-11-21 | RESOLUTIONS | resolution | Resolution | |
| 2024-11-20 | PSC01 | persons-with-significant-control | Notification of a person with significant control | |
| 2024-11-18 | SH06 | capital | Capital cancellation shares | |
| 2024-11-18 | SH10 | capital | Capital variation of rights attached to shares | |
| 2024-11-18 | SH08 | capital | Capital name of class of shares | |
| 2024-11-18 | SH03 | capital | Capital return purchase own shares | |
| 2024-10-03 | TM01 | officers | Termination director company with name termination date | |
| 2024-10-03 | PSC04 | persons-with-significant-control | Change to a person with significant control | |
| 2024-10-03 | PSC07 | persons-with-significant-control | Cessation of a person with significant control |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 10
- Capital events
- 8
- Officers appointed
- 2
- 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.