Credit Reporting Agency (Holdco) Limited
Registered name: CREDIT REPORTING AGENCY (HOLDCO) LIMITED
Credit Reporting Agency (Holdco) Limited made £33.8m revenue and £9.6m profit in the year to 31 Mar 2026.
Credit Reporting Agency (Holdco) Limited’s revenue grew 13% to £33.8m in the year to 31 Mar 2026, with £9.6m profit and 69 employees. The company is classified under “activities of credit bureaus” and is based in Truro; we hold 3 years of its filed accounts.
- Status
- Active
- Location
- Truro, South West
- Age
- 4 yrs · since 2022
- Type
- Private Limited Company
Pass-through vehicle. This looks like a holding, staffing or umbrella company. Its revenue and profit may largely pass through to or from other entities, so the figures may not reflect a standalone operating business. It is excluded from our opportunity lists.
Key figures
Badges are automated estimates derived from the filed figures — not statements of fact about the company.
Financial history
| Year to | 31 Mar 2024 | 31 Mar 2025 | 31 Mar 2026 |
|---|---|---|---|
| Disclosure | Full P&L | Full P&L | Full P&L |
| Profit & loss | |||
| Revenue (turnover) | £29.2m | £29.9m | £33.8m |
| Cost of sales | £17.1m | £17m | £17.2m |
| Gross profit | £12.1m | £12.9m | £16.6m |
| Operating profit | £7.2m | £7.8m | £10.8m |
| Profit before tax | £7m | £7.7m | £10.8m |
| Profit after tax | £3.7m | £2.4m | £9.6m |
| Profit (best available) | £3.7m | £2.4m | £9.6m |
| Staff costs | £3m | £3.6m | £4.3m |
| Employees (average) | 48 | 60 | 69 |
| Ratios | |||
| Profit margin | 12.5% | 8.1% | 28.3% |
| Gross margin | 41.4% | 43.1% | 49.1% |
| Revenue per employee | £609k | £499k | £490k |
| Profit per employee | £76.1k | £40.6k | £139k |
| Cash conversion | 158.1% | 119% | 109.8% |
| Growth (year on year) | |||
| Revenue growth | — | — | ▲12.8% |
| Profit growth | — | — | ▲293% |
| Headcount growth | — | — | ▲15% |
| Balance sheet — indirect signals, not revenue | |||
| Cash at bank | £5.3m | £7m | £10.1m |
| Net assets | £2.3m | £243k | £6.1m |
| Fixed assets | £10m | £9.2m | £8.3m |
| Current assets | £6.1m | £7.8m | £11m |
| Debtors | £921k | — | £9.3m |
| Cash from operations | £11.5m | £9.3m | £11.9m |
| Source | FullAccounts · bulk data Dec 2025 | FullAccounts · bulk data Dec 2025 | FullAccounts · bulk data Aug 2026 |
How the business works
- Profit margin
- 28.3%
- Profit ÷ revenue.
- Gross margin
- 49.1%
- Gross profit ÷ revenue. High for software and services.
- Revenue per employee
- £490k
- Revenue ÷ average employees.
- Profit per employee
- £139k
- Profit ÷ average employees.
- Cash conversion
- 109.8%
- Cash generated from operations ÷ operating profit. Needs a cash-flow statement.
- Fixed assets ÷ revenue
- 24.7%
- Capital intensity. Low = capital-light, cheaper to start.
- Deferred income ÷ revenue
- —
- Customers paying upfront (subscriptions, deposits). Approximate when combined with accruals.
- Debtors ÷ revenue
- 27.4%
- 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
- ▲2416%
- Now £6.1m
- Cash at bank
- ▲43%
- Now £10.1m
- Headcount
- ▲15%
- Now 69
- Deferred income
- —
- Now —
- Fixed assets
- ▼10%
- Now £8.3m
Group structure
Subsidiaries (2)
- Credit Reporting Agency (Bidco) LimitedRev. £0 · Profit £9.6m
- Credit Reporting Agency (Ebt) LimitedFigures not disclosed
From the Persons with Significant Control register (corporate controllers only).
Similar profitable businesses
Sources
Latest figures from FullAccounts for the year to 31 Mar 2026 (profit £9.6m), from the Companies House accounts bulk data published Aug 2026. Spotted an error? Request a correction.
Contains public sector information from Companies House licensed under the Open Government Licence v3.0. Data from Companies House, © Crown copyright. View the licence.