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Next accounts due

2026-09-30 (in 4mo)

Last filed for 2024-12-31

Confirmation statement due

2026-08-09 (in 3mo)

Last made up 2025-07-26

Watchouts

1 item

Cash

£12M

-50.9% vs 2023

Net assets

£8M

-36% vs 2023

Employees

59

-34.4% vs 2023

Profit before tax

-£9M

+22% vs 2023

Watchouts

Facts from the Companies House register and the latest accounts — not a rating

Name history

Renamed 2 times since incorporation

  1. KRIYA FINANCE LIMITED 2022-12-06 → present
  2. MARKETFINANCE LIMITED 2019-11-11 → 2022-12-06
  3. MARKETINVOICE LIMITED 2010-07-29 → 2019-11-11

Accounts

2-year trend · latest reflected 2024-12-31

Metric Trend 2023-12-312024-12-31
Turnover £16,877,657£12,598,777
Operating profit -£10,062,699-£5,600,799
Profit before tax -£11,533,512-£8,993,825
Net profit -£11,534,712-£8,995,375
Cash £24,876,736£12,202,807
Total assets less current liabilities £126,011,921£65,465,953
Net assets £12,227,076£7,820,993
Equity £12,227,076£7,820,993
Average employees 9059
Wages £6,936,600£5,577,017

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 2023-12-312024-12-31
Operating margin -59.6%-44.5%
Net margin -68.3%-71.4%
Return on capital employed -8.0%-8.6%
Gearing (liabilities / total assets) 91.4%91.2%
Current ratio 3.06x1.03x
Interest cover -4.86x-1.21x

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
Moore Kingston Smith LLP
Audit opinion
Unqualified (clean)
Going concern
Affirmed

“The financial statements have been prepared on a going concern basis, which the Directors believe to be appropriate. The Directors have prepared cash flow projections for the Company covering at least 12 months from the date of approval of these financial statements. The Directors consider the Company to be able to operate within its available facilities.”

Group structure

  1. KRIYA FINANCE LIMITED · parent
    1. Business Loans MI1 Limited · England and Wales · intermediary on behalf of the Company, providing additional loan finance
    2. Newton Funding Limited · England and Wales · ultimately originate loans to UK SMEs pursuant to the Recovery Loan Scheme ("RLS")
    3. Clifton Funding Limited · England and Wales · intermediary on behalf of the Company, providing additional loan finance
    4. Griffin Payments Limited · England and Wales · intermediary on behalf of the Company, providing additional loan finance

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

People

6 active · 17 resigned

Name Role Appointed Born Nationality
VALDAR, Catharine Secretary 2025-10-20
DAVIES, Richard Director 2025-10-20 May 1979 British
HEATH, James Benjamin Director 2025-10-20 Oct 1971 British
STOCKER, Anil Albert Director 2010-07-29 Jan 1984 Swiss,British
SUBRAMANIAN, Nivedita Director 2025-10-20 Nov 1980 British
TRIFONOVA, Martina Viktorova Director 2023-02-02 Feb 1994 Bulgarian
Show 17 resigned officers
Name Role Appointed Resigned
CHU, Daniel Chung Yan Secretary 2021-10-27 2023-04-19
COLES, Simon Derek Secretary 2016-09-21 2017-06-30
DELINGPOLE, Charles Kenneth Secretary 2010-07-29 2014-01-09
LANLOKUN, Peter Adebayo Secretary 2023-04-19 2024-10-30
O'REILLY, Eoin Secretary 2017-09-19 2021-08-11
OAKWOOD CORPORATE SECRETARY LIMITED Corporate Secretary 2025-04-22 2025-10-20
ANDREWS, Giles Edward Charles Director 2017-03-08 2022-06-24
DELINGPOLE, Charles Kenneth Director 2010-07-29 2014-01-09
FORSTER, Paul Hay Director 2015-07-16 2025-10-20
GILL, Martin John Director 2014-01-14 2015-07-16
GRIFFITHS, Luke Benjamin Director 2021-06-25 2025-10-20
JANIK, Sylwester Director 2016-06-29 2017-09-28
KIRBY, William George Director 2010-11-16 2014-02-19
KONDRASHOV, Ilya Director 2011-10-17 2022-09-08
WIERDAK, Lukasz Director 2017-09-26 2020-12-09
WOODBURN, Michael Charles Director 2022-11-18 2025-10-20
ZINK, Jeppe Heinrich Director 2014-11-14 2025-10-20

Ownership

Persons with significant control

Name Kind Nature of control Notified Status
Allica Bank Limited Corporate entity Shares 75–100%, Voting 75–100%, Appoints directors 2025-10-20 Active

Filing timeline

Last 20 of 167 total filings

Material constitutional events — rename, articles re-file, resolution

  • 2025-10-20 RESOLUTIONS Resolution
Date Type Category Description
2025-11-05 AD01 address Change registered office address company with date old address new address PDF
2025-11-05 AD01 address Change registered office address company with date old address new address PDF
2025-10-31 PSC02 persons-with-significant-control Notification of a person with significant control PDF
2025-10-31 PSC09 persons-with-significant-control Withdrawal of a person with significant control statement PDF
2025-10-30 SH01 capital Capital allotment shares PDF
2025-10-30 AD01 address Change registered office address company with date old address new address PDF
2025-10-30 AP03 officers Appoint person secretary company with name date PDF
2025-10-30 AP01 officers Appoint person director company with name date PDF
2025-10-30 AP01 officers Appoint person director company with name date PDF
2025-10-30 TM01 officers Termination director company with name termination date PDF
2025-10-30 TM01 officers Termination director company with name termination date PDF
2025-10-30 AP01 officers Appoint person director company with name date PDF
2025-10-30 TM01 officers Termination director company with name termination date PDF
2025-10-30 TM01 officers Termination director company with name termination date PDF
2025-10-30 TM02 officers Termination secretary company with name termination date PDF
2025-10-29 AD01 address Change registered office address company with date old address new address PDF
2025-10-21 MR04 mortgage Mortgage satisfy charge full PDF
2025-10-20 RESOLUTIONS resolution Resolution
2025-10-06 AA accounts Accounts with accounts type group
2025-08-19 CH01 officers Change person director company with change date PDF

Public-record activity

Raw counts from Companies House — last 12–24 months

Filings
20

last 12 months

Capital events
1

last 24 months

Officers appointed
4

last 12 months

Officers resigned
5

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

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

Official Companies House page