CREDITINCOME LIMITED
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Next accounts due
2026-12-31 (in 7mo)
Last filed for 2025-03-31
Confirmation statement due
2027-03-28 (in 10mo)
Last made up 2026-03-14
Watchouts
None on the register
Cash
£6M
-39.7% vs 2024
Net assets
£92M
+18.1% vs 2024
Employees
9
+12.5% vs 2024
Profit before tax
£17M
+88.1% vs 2024
Net assets
2-year trend · vs Financials median
Accounts
2-year trend · latest reflected 2025-03-31
| Metric | Trend | 2024-03-31 | 2025-03-31 |
|---|---|---|---|
| Turnover | £51,558,822 | £42,807,819 | |
| Operating profit | £8,228,475 | £16,607,223 | |
| Profit before tax | £9,184,348 | £17,272,809 | |
| Net profit | £7,565,520 | £14,063,201 | |
| Cash | £9,161,804 | £5,526,631 | |
| Total assets less current liabilities | £82,491,191 | £99,764,000 | |
| Net assets | £77,823,377 | £91,886,578 | |
| Equity | £77,823,377 | £91,886,578 | |
| Average employees | 8 | 9 | |
| Wages | £597,718 | £679,752 |
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
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2024-03-31 | 2025-03-31 |
|---|---|---|---|
| Operating margin | 16.0% | 38.8% | |
| Net margin | 14.7% | 32.9% | |
| Return on capital employed | 10.0% | 16.6% | |
| Gearing (liabilities / total assets) | 45.2% | 39.4% | |
| Current ratio | 0.37x | 0.33x | |
| Interest cover | 28.99x | 24603.29x |
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
- Gerald Edelman LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The directors continue to adopt the going concern basis in preparing the financial statements which assume that the company will continue in operation for the 12 months following the Balance Sheet signing date.”
Group structure
- CREDITINCOME LIMITED · parent
- Creditincome Investments Ltd 100%
- Creditincome Investments No2 Ltd 100%
- Creditincome Investments (No 2) Holdco Ltd 100%
- Creditincome Investments (No 3) Ltd 100%
- Brencorp Ltd 100%
Significant events
- “There have been no significant events affecting the Group since the year end.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
4 active · 4 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| COHEN, Michael George | Secretary | 2010-08-01 | — | British |
| COHEN, Michael George | Director | 2010-07-13 | Oct 1963 | British |
| RITBLAT, James William Jeremy | Director | 2016-06-06 | Feb 1967 | British |
| RITBLAT, John, Sir | Director | 2008-01-17 | Oct 1935 | British |
Show 4 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| LINEOBTAIN LIMITED | Corporate Secretary | 1991-04-02 | 2010-08-01 |
| SWIFT INCORPORATIONS LIMITED | Corporate Nominee Secretary | 1991-03-14 | 1991-04-02 |
| WAGMAN, Colin Barry | Director | 1991-04-02 | 2018-03-29 |
| INSTANT COMPANIES LIMITED | Corporate Nominee Director | 1991-03-14 | 1991-04-02 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Mr James William Jeremy Ritblat | Individual | Significant influence | 2016-04-16 | Ceased 2022-03-15 |
| Mr Colin Barry Wagman | Individual | Significant influence | 2016-04-06 | Ceased 2022-10-03 |
| Mr Michael George Cohen | Individual | Significant influence | 2016-04-06 | Ceased 2022-03-15 |
| Sir John Ritblat | Individual | Shares 75–100% | 2016-04-06 | Active |
Filing timeline
Last 20 of 142 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-04-09 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2026-03-17 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2026-03-17 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2025-12-20 | AA | accounts | Accounts with accounts type group | |
| 2025-03-14 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-12-23 | AA | accounts | Accounts with accounts type group | |
| 2024-03-14 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-01-12 | AA | accounts | Accounts with accounts type group | |
| 2023-08-08 | CH01 | officers | Change person director company with change date | |
| 2023-06-20 | CH03 | officers | Change person secretary company with change date | |
| 2023-06-20 | CH01 | officers | Change person director company with change date | |
| 2023-06-20 | CH01 | officers | Change person director company with change date | |
| 2023-06-20 | CH01 | officers | Change person director company with change date | |
| 2023-06-20 | PSC04 | persons-with-significant-control | Change to a person with significant control | |
| 2023-05-26 | PSC07 | persons-with-significant-control | Cessation of a person with significant control | |
| 2023-05-26 | PSC07 | persons-with-significant-control | Cessation of a person with significant control | |
| 2023-05-23 | AD01 | address | Change registered office address company with date old address new address | |
| 2023-04-27 | CH01 | officers | Change person director company with change date | |
| 2023-04-27 | CH03 | officers | Change person secretary company with change date | |
| 2023-04-27 | PSC04 | persons-with-significant-control | Change to a person with significant control |
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.
Year-on-year
FY2024 → FY2025 · period ending 2025-03-31 vs 2024-03-31
-
Turnover
-17%
£51,558,822 £42,807,819
-
Cash
-39.7%
£9,161,804 £5,526,631
-
Net assets
+18.1%
£77,823,377 £91,886,578
-
Employees
+12.5%
8 9
-
Operating profit
+101.8%
£8,228,475 £16,607,223
-
Profit before tax
+88.1%
£9,184,348 £17,272,809
-
Wages
+13.7%
£597,718 £679,752
Each % is (latest − prior) ÷ |prior| for the line item as filed. Periods don't have to be exactly 12 months apart — a long or short period (typical around incorporation or year-end changes) will distort the comparison. Lines a company doesn't report are omitted. About these numbers