CREDITSAFE BUSINESS SOLUTIONS LIMITED
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Next accounts due
2026-09-30 (in 4mo)
Last filed for 2024-12-31
Confirmation statement due
2026-09-10 (in 4mo)
Last made up 2025-08-27
Watchouts
None on the register
Cash
£5M
-26% vs 2023
Net assets
£8M
-74.2% vs 2023
Employees
307
+13.3% vs 2023
Profit before tax
£7M
-42.8% vs 2023
Name history
Renamed 3 times since incorporation
- CREDITSAFE BUSINESS SOLUTIONS LIMITED 2009-01-19 → present
- CREDITSAFE UK LIMITED 2008-03-05 → 2009-01-19
- ASA CREDITSAFE.COM (UK) LIMITED 2000-08-03 → 2008-03-05
- CREDITSAFE U.K. LTD. 1999-08-31 → 2000-08-03
Net assets
2-year trend · vs Industrials median
Accounts
2-year trend · latest reflected 2024-12-31
| Metric | Trend | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Turnover | £72,923,000 | £81,084,000 | |
| Operating profit | £4,300,000 | £6,544,000 | |
| Profit before tax | £11,723,000 | £6,709,000 | |
| Net profit | £11,643,000 | £5,418,000 | |
| Cash | £6,784,000 | £5,017,000 | |
| Total assets less current liabilities | £32,445,000 | £8,363,000 | |
| Net assets | £32,445,000 | £8,363,000 | |
| Equity | £32,445,000 | £8,363,000 | |
| Average employees | 271 | 307 | |
| Wages | £12,999,000 | £14,570,000 |
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 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Operating margin | 5.9% | 8.1% | |
| Net margin | 16.0% | 6.7% | |
| Return on capital employed | 13.3% | 78.2% | |
| Current ratio | 1.18x | 1.14x | |
| Interest cover | 1.00x | 3.82x |
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
- Standalone (parent only)
- Auditor
- PricewaterhouseCoopers LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The directors have prepared the financial statements on a going concern basis. The Company meets its day-to-day working capital requirements through the use of cash reserves and also has access to additional funds via bank facilities. The Directors have confidence that it has strong and robust cash flow to continue as a going concern for the foreseeable future.”
Group structure
- CREDITSAFE BUSINESS SOLUTIONS LIMITED · parent
- Creditsafe UK Limited 100%
- Creditsafe First Limited 100%
- Creditsafe Information Services Limited 100%
- Creditsafe Limited 100%
Significant events
- “During 2023 the Company disposed of Creditsafe Italia S.r.l. and sold it to Creditsafe Netherlands for €28,000,000, resulting in a profit on disposal of £12,512,000. The Company also waivered an outstanding intercompany debt at a loss of £6,856,000.”
- “During 2024 the Company waivered £2,132,000 to another member of the Creditsafe Group.”
- “A dividend of £29,500,000 was paid during the year (2023: £Nil). In addition, the directors recommended an interim dividend of £6,500,000 on 23 June 2025.”
- “In February 2025 the Company repaid the outstanding EUR 1,875,000 of fixed term loan. The arrangement was amended and restated to a EUR 11,200,000 RCF, with EUR 10,000,000 remaining draw down.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
3 active · 14 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| DEBBAGE, Matthew James | Director | 2008-10-14 | Nov 1972 | British |
| ROBERTSON, Christopher | Director | 2021-08-02 | May 1976 | British |
| SYVERSEN, Cato | Director | 2003-08-12 | Dec 1965 | British |
Show 14 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BEBB, Dafydd Llywelyn | Secretary | 2006-11-28 | 2012-09-07 |
| BYRKJELAND, Tone | Secretary | 1999-08-31 | 1999-10-01 |
| LLOYD, Richard Christopher Talfan | Secretary | 2003-09-10 | 2006-06-12 |
| RUFFLES, Clive Anthony | Secretary | 2001-02-05 | 2003-09-10 |
| WINSTON, Christopher | Secretary | 2006-06-12 | 2006-11-28 |
| YOUNGS, James John | Secretary | 2000-04-10 | 2001-02-05 |
| SWIFT INCORPORATIONS LIMITED | Corporate Nominee Secretary | 1999-08-31 | 1999-08-31 |
| BRASK, Lars Christian | Director | 1999-10-01 | 2001-02-05 |
| CAMILLERI, Simon | Director | 2006-06-12 | 2008-10-14 |
| DAVIES, Richard Tyrone | Director | 2008-10-14 | 2017-02-07 |
| HEIMSTAD, Morten | Director | 1999-08-31 | 2003-12-31 |
| MURPHY, Linus | Director | 2003-12-05 | 2005-12-31 |
| WINDSTROM, Jan Eric Lennart | Director | 2001-02-07 | 2003-12-01 |
| INSTANT COMPANIES LIMITED | Corporate Nominee Director | 1999-08-31 | 1999-08-31 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Mr Magne Jordanger | Individual | Shares 25–50%, Voting 25–50% | 2021-09-16 | Active |
| Safe Information Group Cyprus Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Significant influence | 2016-08-01 | Active |
Filing timeline
Last 20 of 138 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2025-09-22 | AA | accounts | Accounts with accounts type full | |
| 2025-08-28 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-06-03 | AD01 | address | Change registered office address company with date old address new address | |
| 2025-03-10 | AD01 | address | Change registered office address company with date old address new address | |
| 2025-02-19 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2025-02-19 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2025-02-19 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2024-10-07 | AA | accounts | Accounts with accounts type full | |
| 2024-08-28 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-10-02 | AA | accounts | Accounts with accounts type full | |
| 2023-09-01 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-10-07 | AA | accounts | Accounts with accounts type full | |
| 2022-09-27 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2021-10-05 | AA | accounts | Accounts with accounts type full | |
| 2021-09-16 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2021-09-16 | PSC01 | persons-with-significant-control | Notification of a person with significant control | |
| 2021-08-24 | AP01 | officers | Appoint person director company with name date | |
| 2020-10-01 | AA | accounts | Accounts with accounts type full | |
| 2020-08-27 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2020-08-25 | AD01 | address | Change registered office address company with date old address new address |
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.
Year-on-year
FY2023 → FY2024 · period ending 2024-12-31 vs 2023-12-31
-
Turnover
+11.2%
£72,923,000 £81,084,000
-
Cash
-26%
£6,784,000 £5,017,000
-
Net assets
-74.2%
£32,445,000 £8,363,000
-
Employees
+13.3%
271 307
-
Operating profit
+52.2%
£4,300,000 £6,544,000
-
Profit before tax
-42.8%
£11,723,000 £6,709,000
-
Wages
+12.1%
£12,999,000 £14,570,000
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