Retail Merchant Finance Limited
Registered name: RETAIL MERCHANT FINANCE LIMITED
Part of Teya Europe Ltd. groupRetail Merchant Finance Limited made £10.7m revenue and £11.2m profit in the year to 31 Dec 2024.
Retail Merchant Finance Limited’s revenue fell 47% to £10.7m in the year to 31 Dec 2024, with £11.2m profit. The company is classified under “other service activities” and is based in London; we hold 3 years of its filed accounts.
- Status
- Active
- Location
- London
- Age
- 19 yrs · since 2007
- Type
- Private Limited Company
Key figures
Unusual figures. Profit is higher than revenue in this filing. That usually means investment income, dividends from subsidiaries or one-off gains — or a mis-tagged figure. Check the original filing before drawing conclusions.
Financial history
| Year to | 31 Dec 2022 | 31 Dec 2023 | 31 Dec 2024 |
|---|---|---|---|
| Disclosure | Full P&L | Full P&L | Full P&L |
| Profit & loss | |||
| Revenue (turnover) | £25.8m | £20.2m | £10.7m |
| Cost of sales | −£8.6m | −£6.1m | −£31.9k |
| Gross profit | £17.2m | £14.2m | £10.7m |
| Operating profit | £14.1m | £18.6m | £9.2m |
| Profit before tax | £18.1m | £23.4m | £14.9m |
| Profit after tax | £14.5m | £20.3m | £11.2m |
| Profit (best available) | £14.5m | £20.3m | £11.2m |
| Employees (average) | 78 | 68 | — |
| Ratios | |||
| Profit margin | 56.2% | 100.2% | 104.9% |
| Gross margin | 66.5% | 70.1% | 99.7% |
| Revenue per employee | £331k | £297k | — |
| Profit per employee | £186k | £298k | — |
| Growth (year on year) | |||
| Revenue growth | — | ▼21.6% | ▼47% |
| Profit growth | — | ▲39.8% | ▼44.5% |
| Headcount growth | — | ▼12.8% | — |
| Balance sheet — indirect signals, not revenue | |||
| Net assets | — | — | — |
| Source | Accounts · bulk data Sep 2024 | Accounts · bulk data Sep 2024 | Accounts · bulk data Oct 2025 |
How the business works
- Profit margin
- 104.9%
- Profit ÷ revenue.
- Gross margin
- 99.7%
- Gross profit ÷ revenue. High for software and services.
- Revenue per employee
- —
- Revenue ÷ average employees.
- Profit per employee
- —
- Profit ÷ average employees.
- Cash conversion
- —
- Cash generated from operations ÷ operating profit. Needs a cash-flow statement.
- Fixed assets ÷ revenue
- —
- Capital intensity. Low = capital-light, cheaper to start.
- Deferred income ÷ revenue
- —
- Customers paying upfront (subscriptions, deposits). Approximate when combined with accruals.
- Debtors ÷ revenue
- —
- Money owed by customers. Low = customers pay quickly.
Balance-sheet signals
Year-on-year changes in filed balance-sheet items. They can hint at momentum (or investment) but are not revenue or profit and must not be read as such.
- Net assets
- —
- Now —
- Cash at bank
- —
- Now —
- Headcount
- —
- Now —
- Deferred income
- —
- Now —
- Fixed assets
- —
- Now —
Group structure
Ownership chain
- Teya Europe Ltd.ultimate parent75–100%
- Retail Merchant Finance Limitedthis company
Bands show the share of ownership each company holds in the one below it.
Sister companies (5)
- Loyverse Commerce Ltd.Rev. £1.6m · Profit £573k
- Retail Merchant Services LimitedFigures not disclosed
- Teya Services Ltd.Figures not disclosed
- Teya Solutions Ltd.Figures not disclosed
- Teya Sport Ltd.Figures not disclosed
From the Persons with Significant Control register (corporate controllers only).
Sources
Latest figures from accounts for the year to 31 Dec 2024 (profit £11.2m), from the Companies House accounts bulk data published Oct 2025. Spotted an error? Request a correction.
Updated from Companies House on 24 Oct 2026
Contains public sector information from Companies House licensed under the Open Government Licence v3.0. Data from Companies House, © Crown copyright. View the licence.