UK Companies House feature
365 BUSINESS FINANCE LIMITED
Cash
£1M
+155.5% vs 2023
Net assets
£13M
+32.9% vs 2023
Employees
61
+1.7% vs 2023
Profit before tax
—
Period ending 2024-12-31
Profile
- Company number
- 08267810
- Status
- Active
- Incorporation
- 2012-10-25
- Last accounts made up
- 2024-12-31
- Account category
- GROUP
- Primary SIC
- 64929
- Hubs
- UK Fintech
Net assets
6-year trend · vs UK Fintech median
Accounts
6-year trend · latest 2024-12-31
| Metric | Trend | 2020-04-30 | 2021-04-30 | 2022-04-30 | 2023-04-30 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|---|---|---|---|
| Turnover | — | — | — | — | — | — | |
| Operating profit | — | — | — | — | — | — | |
| Profit before tax | — | — | — | — | — | — | |
| Net profit | -£1,242,247 | — | — | — | £635,212 | £3,362,460 | |
| Cash | £169,511 | £69,292 | £537,971 | £654,392 | £540,914 | £1,381,913 | |
| Total assets less current liabilities | — | — | — | — | £13,184,479 | £12,827,839 | |
| Net assets | — | — | — | — | £9,621,539 | £12,783,065 | |
| Equity | — | — | — | — | £9,621,539 | £12,783,065 | |
| Average employees | 26 | — | — | — | 60 | 61 | |
| Wages | — | — | — | — | £3,609,819 | £6,107,807 |
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
- Consolidated (group)
- Auditor
- Goldwins Limited
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“In auditing the financial statements, we have concluded that the directors' 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's and parent company's ability to continue as a going concern for a period of at least twelve months from when the financial statements are authorised for issue.”
Subsidiaries
- 365 BUSINESS FINANCE SUB LIMITED · 100% held · United Kingdom
- REV&U EUROPE LIMITED · 100% held · Ireland
Significant events
- “Geographical expansion of the Company's product offering to include Ireland alongside the United Kingdom.”
- “£125m of originations to support UK and Ireland SMEs, representing a 25% annual growth rate. Contributing factors include the roll-out of auto-scoring and same-day funding capabilities.”
- “A successful increase and extension to the Company's senior and mezzanine debt facilities, completed post-year end in February 2025.”
- “Further automation in the Company's core finance product following considered investment in the underwriting platform, partner and user experience and data analytics.”
- “Deepening of a global workforce to support round-the-clock provision of finance to underserved UK and Ireland SMEs.”
- “Significant growth in profit after tax resulting from volume growth and automation efficiencies.”
- “On 31 January 2025, the Company completed a share buy-back transaction for 553 Ordinary Shares of £0.10 each. On 31 March 2025, the Company completed a further share buy-back transaction for 553 Ordinary Shares of £0.10 each.”
- “On 4 February 2025, the Company increased and extended its senior and mezzanine finance facilities to 27 March 2027.”
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
6 active · 1 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| ABBEY, Warren Robert | Director | 2026-01-20 | Apr 1985 | British |
| FISHER, Allan Brian Henry, Mr. | Director | 2020-08-12 | Oct 1942 | British |
| GISHEN, Bradley Grant, Mr. | Director | 2020-08-12 | Jul 1972 | South African |
| KURLAND, Grant Colin | Director | 2021-10-18 | Mar 1971 | Australian |
| POLATINSKY, Rafael | Director | 2020-08-12 | Apr 1977 | British |
| RAPHAELY, Andrew David | Director | 2012-10-25 | Jan 1972 | British |
Show 1 resigned officer
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| RAPHAELY, Anthony Gilcape | Director | 2015-12-03 | 2022-09-17 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Ashton Advisors (Uk) Llp | Corporate entity | Voting 25–50% | 2016-10-26 | Ceased 2020-07-17 |
| Mr Andrew David Raphaely | Individual | Voting 25–50% | 2016-04-06 | Ceased 2022-11-16 |
Filing timeline
Last 20 of 123 total filings
| Date | Type | Category | Description |
|---|---|---|---|
| 2026-01-22 | AP01 | officers | appoint person director company with name date |
| 2026-01-22 | SH01 | capital | capital allotment shares |
| 2025-12-23 | SH01 | capital | capital allotment shares |
| 2025-12-19 | RP01CS01 | confirmation-statement | replacement filing of confirmation statement with made up date |
| 2025-12-03 | SH06 | capital | capital cancellation shares |
| 2025-12-03 | SH03 | capital | capital return purchase own shares |
| 2025-11-28 | CS01 | confirmation-statement | confirmation statement |
| 2025-11-06 | AD01 | address | change registered office address company with date old address new address |
| 2025-11-06 | AD01 | address | change registered office address company with date old address new address |
| 2025-09-02 | SH06 | capital | capital cancellation shares |
| 2025-09-02 | SH03 | capital | capital return purchase own shares |
| 2025-07-08 | AA | accounts | accounts with accounts type group |
| 2025-06-30 | SH03 | capital | capital return purchase own shares |
| 2025-06-27 | SH06 | capital | capital cancellation shares |
| 2025-05-29 | SH06 | capital | capital cancellation shares |
| 2025-05-29 | SH03 | capital | capital return purchase own shares |
| 2025-03-26 | SH06 | capital | capital cancellation shares |
| 2025-03-26 | SH03 | capital | capital return purchase own shares |
| 2025-02-05 | MR01 | mortgage | mortgage create with deed with charge number charge creation date |
| 2025-02-05 | MR01 | mortgage | mortgage create with deed with charge number charge creation date |
Credit score
Altman Z″ — composite of working capital, retained earnings, EBIT, and leverage
Activity Score
Filings velocity, capital events, officer churn, accounts trajectory