UK Companies House feature
RETAIL CAPITAL (UK) LTD
Cash
£527K
-58.1% vs 2024
Net assets
-£1M
-15.7% vs 2024
Employees
5
-16.7% vs 2024
Profit before tax
—
Period ending 2025-03-31
Profile
- Company number
- 13814652
- Status
- Active
- Incorporation
- 2021-12-22
- Last accounts made up
- 2025-03-31
- Account category
- FULL
- Primary SIC
- 64929
- Hubs
- UK Fintech
Net assets
4-year trend · vs UK Fintech median
Accounts
4-year trend · latest 2025-03-31
| Metric | Trend | 2023-03-31 | 2023-04-01 | 2024-03-31 | 2025-03-31 |
|---|---|---|---|---|---|
| Turnover | — | — | £108,301 | £1,246,973 | |
| Operating profit | — | — | — | — | |
| Profit before tax | — | — | — | — | |
| Net profit | — | — | -£709,302 | -£376,272 | |
| Cash | £156,837 | — | £1,256,668 | £526,550 | |
| Total assets less current liabilities | £113,300 | — | — | — | |
| Net assets | -£506,087 | — | -£904,037 | -£1,046,199 | |
| Equity | -£506,087 | -£194,835 | -£2,712,111 | £0 | |
| Average employees | 3 | — | 6 | 5 | |
| Wages | — | — | £180,445 | £218,011 |
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
- IFRS
- Reporting scope
- Standalone (parent only)
- Auditor
- Harris & Trotter LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“Due to the anticipated growth of the Company and ongoing financial performance, the directors continue to prepare the Company's financial statements on a going concern basis.”
Significant events
- “A substantial increase in Service Fees, driven by the significant rise in the value of amounts collected. This was due to a full year of business with strategic partners, which led to a marked increase in the value of advances for the financial year.”
- “Continued expansion through business development efforts, targeting additional strategic partnerships within the UK and new strategic partnerships across Europe.”
- “Ongoing refinement of credit risk algorithms and technology, enhancing SME onboarding speed and improving credit decision outcomes.”
- “Growth in headcount to support iterative improvements in workflow automation, boosting operational efficiencies across sales, customer service, and account management.”
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
5 active · 0 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| EWING, Candice Kim | Director | 2025-02-17 | Jun 1999 | South African |
| FIELD, Jonathan Alexander | Director | 2023-11-24 | Apr 1995 | South African |
| GOETSCH, Pauline | Director | 2022-03-04 | Jan 1969 | British |
| KARK, Steven | Director | 2021-12-22 | Sep 1973 | Lithuanian |
| WESTVIG, Karl Horneman | Director | 2021-12-22 | Jan 1971 | South African |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Retail Capital Europe (Cy) Limited | Corporate entity | Shares 75–100% | 2021-12-22 | Ceased 2021-12-22 |
Filing timeline
Last 20 of 30 total filings
| Date | Type | Category | Description |
|---|---|---|---|
| 2026-03-31 | SH01 | capital | capital allotment shares |
| 2026-01-16 | CS01 | confirmation-statement | confirmation statement with updates |
| 2026-01-15 | CH01 | officers | change person director company with change date |
| 2025-12-09 | CH01 | officers | change person director company with change date |
| 2025-12-01 | CH01 | officers | change person director company with change date |
| 2025-10-01 | SH01 | capital | capital allotment shares |
| 2025-07-31 | AA | accounts | accounts with accounts type full |
| 2025-06-30 | SH01 | capital | capital allotment shares |
| 2025-03-17 | CH01 | officers | change person director company with change date |
| 2025-02-25 | AP01 | officers | appoint person director company with name date |
| 2025-01-02 | SH01 | capital | capital allotment shares |
| 2024-12-23 | CS01 | confirmation-statement | confirmation statement with updates |
| 2024-09-27 | SH01 | capital | capital allotment shares |
| 2024-08-08 | AA | accounts | accounts with accounts type full |
| 2024-05-29 | PSC08 | persons-with-significant-control | notification of a person with significant control statement |
| 2024-05-29 | PSC07 | persons-with-significant-control | cessation of a person with significant control |
| 2024-04-04 | SH01 | capital | capital allotment shares |
| 2023-12-30 | CS01 | confirmation-statement | confirmation statement with updates |
| 2023-11-28 | AP01 | officers | appoint person director company with name date |
| 2023-10-27 | AA | accounts | accounts with accounts type total exemption full |
Credit score
Altman Z″ — composite of working capital, retained earnings, EBIT, and leverage
Activity Score
Filings velocity, capital events, officer churn, accounts trajectory