UK Companies House feature
CREDO CAPITAL LIMITED
Cash
£3M
-29.1% vs 2023
Net assets
£10M
+9.1% vs 2023
Employees
80
-1.2% vs 2023
Profit before tax
£7M
+32.3% vs 2023
Profile
- Company number
- 03681529
- Status
- Active
- Incorporation
- 1998-12-10
- Last accounts made up
- 2024-12-31
- Account category
- FULL
- Primary SIC
- 64999
- Hubs
- UK Fintech
Net assets
6-year trend · vs UK Fintech median
Accounts
6-year trend · latest 2024-12-31
| Metric | Trend | 2019-12-31 | 2020-12-31 | 2021-12-31 | 2022-12-31 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|---|---|---|---|
| Turnover | — | — | — | — | — | — | |
| Operating profit | — | — | — | — | — | — | |
| Profit before tax | — | — | — | — | £5,144,799 | £6,808,303 | |
| Net profit | — | — | — | — | £4,009,309 | £5,179,441 | |
| Cash | — | — | — | — | £3,959,042 | £2,806,940 | |
| Total assets less current liabilities | — | — | — | — | £8,903,585 | £9,723,833 | |
| Net assets | — | — | — | — | £8,874,169 | £9,678,610 | |
| Equity | £13,920,994 | — | — | — | £8,874,169 | £9,678,610 | |
| Average employees | — | — | — | — | 81 | 80 | |
| Wages | — | — | — | — | £8,293,905 | £9,622,116 |
Values shown as filed in iXBRL accounts. — indicates the figure was not present in the extracted filing (either not filed under that concept or absent from the period). About these numbers
Audit & accounting basis
From AI-extracted PDF accounts
- Accounting basis
- FRS 102
- Reporting scope
- Standalone (parent only)
- Auditor
- Gerald Edelman LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“Having reviewed the company's financial forecast and expected future cash flows, the directors have a reasonable expectation that the company has adequate resources to continue in operational existence for the foreseeable future. Thus the going concern basis has been adopted in preparing the financial statements for the year ended 31 December 2024.”
Significant events
- “In October 2024, Credo embarked on a new chapter as it merged with Anchor Group (Proprietary) Limited ("Anchor"). Anchor is a privately owned wealth management and asset management business that was founded in South Africa in 2008. Anchor provides its services to predominantly South African resident clients. This strategic merger will effectively double the size of the respective businesses from an assets perspective and marks a significant step in Credo's ongoing commitment to provide clients with the best possible investment opportunities and services.”
- “The company has a possible future obligation that arises from a tax matter linked to a fellow subsidiary company within the wider Credo group.”
Auditor / going-concern / subsidiary information is extracted from the PDF version of the latest annual accounts and is not tagged in iXBRL. About these numbers
People
8 active · 16 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| CAHN, Jarrod Dereck | Director | 2005-12-09 | Jun 1971 | South African |
| CHALMERS, Debra Danielle | Director | 2004-07-01 | Sep 1963 | British |
| CROSLAND, Gareth Arthur | Director | 2019-11-13 | Nov 1983 | British |
| ETTLINGER, Roy Andrew | Director | 2001-01-15 | Dec 1962 | British |
| GOUWS, Deon Etienne | Director | 2012-05-01 | Oct 1964 | South African |
| NOIK, Alan Michael | Director | 2001-05-01 | Sep 1968 | British |
| SILVER, Rupert Jeremy | Director | 2005-12-09 | Oct 1973 | British |
| VAN DER MERWE, Charles Hatley | Director | 2018-01-23 | Oct 1964 | British |
Show 16 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| CHALMERS, Debra Danielle | Secretary | 2006-03-31 | 2018-09-11 |
| HOLMES, Lee | Secretary | 1999-07-19 | 2006-03-31 |
| RABINOWITZ, Gavin Lawrence | Secretary | 1998-12-23 | 1999-07-19 |
| SWIFT INCORPORATIONS LIMITED | Corporate Nominee Secretary | 1998-12-10 | 1998-12-23 |
| BAYLISS, Keith Ronald | Director | 2001-05-01 | 2002-04-11 |
| DAVIS, Stephen David John | Director | 2007-03-20 | 2016-01-31 |
| ETTLINGER, Roy Andrew | Director | 1998-12-23 | 2000-03-03 |
| JAFFEE, Richard Charles | Director | 2004-09-01 | 2007-08-31 |
| MILSTEIN, Alan Joseph | Director | 2016-02-18 | 2019-08-31 |
| RABINOWITZ, Gavin Lawrence, Sol | Director | 1998-12-23 | 2013-04-29 |
| ROEDIGER, Gregory John | Director | 1999-03-12 | 2019-04-17 |
| SWERLING, Mark | Director | 2001-01-15 | 2001-07-31 |
| SWERLING, Mark | Director | 1998-12-23 | 2000-03-03 |
| TREDOUX, Jacques | Director | 1998-12-23 | 2005-09-22 |
| INSTANT COMPANIES LIMITED | Corporate Nominee Director | 1998-12-10 | 1998-12-23 |
| SWIFT INCORPORATIONS LIMITED | Corporate Nominee Director | 1998-12-10 | 1998-12-23 |
Ownership
Persons with significant control
Filing timeline
Last 20 of 156 total filings
| Date | Type | Category | Description |
|---|---|---|---|
| 2026-05-07 | CH01 | officers | change person director company with change date |
| 2026-02-25 | AUD | auditors | auditors resignation company |
| 2025-11-26 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2025-09-29 | AA | accounts | accounts with accounts type full |
| 2024-11-27 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2024-11-15 | CH01 | officers | change person director company with change date |
| 2024-10-18 | AA | accounts | accounts with accounts type full |
| 2023-12-18 | CH01 | officers | change person director company with change date |
| 2023-12-18 | CH01 | officers | change person director company with change date |
| 2023-12-01 | CH01 | officers | change person director company with change date |
| 2023-12-01 | CH01 | officers | change person director company with change date |
| 2023-12-01 | CH01 | officers | change person director company with change date |
| 2023-11-30 | CH01 | officers | change person director company with change date |
| 2023-11-30 | CH01 | officers | change person director company with change date |
| 2023-11-30 | CH01 | officers | change person director company with change date |
| 2023-11-30 | AD01 | address | change registered office address company with date old address new address |
| 2023-11-28 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2023-09-29 | AA | accounts | accounts with accounts type full |
| 2022-11-24 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2022-10-11 | CH01 | officers | change person director company with change date |
Credit score
Altman Z″ (private-firm) · reference 2024-12-31
9.59
SAFE
Altman Z″
- Working capital / Total assets 0.674 × 6.56 = +4.42
- Retained earnings / Total assets 0.000 × 3.26 = +0.00
- EBIT / Total assets 0.446 × 6.72 = +2.99
- Book equity / Total liabilities 2.074 × 1.05 = +2.18
Bands: > 2.6 safe · 1.1–2.6 grey · < 1.1 distress. Z″ is a public-formula baseline, not a substitute for adverse-data signals (CCJs, charges, gazette notices) — those land in a later pass.
Activity Score
Filings velocity, capital events, officer churn, accounts trajectory