RETAIL CAPITAL (UK) LTD
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Next accounts due
2026-12-31 (in 7mo)
Last filed for 2025-03-31
Confirmation statement due
2027-01-04 (in 8mo)
Last made up 2025-12-21
Watchouts
None on the register
Cash
£527K
-58.1% vs 2024
Net assets
-£1M
-15.7% lowest in 3 filed years
Employees
5
-16.7% vs 2024
Profit before tax
—
Period ending 2025-03-31
Net assets
4-year trend · vs Financials median
Accounts
4-year trend · latest reflected 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 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 | 2023-03-31 | 2023-04-01 | 2024-03-31 | 2025-03-31 |
|---|---|---|---|---|---|
| Net margin | — | — | -654.9% | -30.2% | |
| Gearing (liabilities / total assets) | — | — | 140.7% | 134.7% |
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
- 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 and subsidiary information is drawn from the narrative of the latest annual accounts. 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 |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 8
- Capital events
- 5
- 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
FY2024 → FY2025 · period ending 2025-03-31 vs 2024-03-31
-
Turnover
+1,051.4%
£108,301 £1,246,973
-
Cash
-58.1%
£1,256,668 £526,550
-
Net assets
-15.7%
-£904,037 -£1,046,199
lowest in 3 filed years
-
Employees
-16.7%
6 5
-
Wages
+20.8%
£180,445 £218,011
Each % is (latest − prior) ÷ |prior| for the line item as filed. Periods don't have to be exactly 12 months apart — a long or short period (typical around incorporation or year-end changes) will distort the comparison. Lines a company doesn't report are omitted. About these numbers