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Credit Reporting Agency Limited

03719598

active
Private Limited Company
Companies House
Health Score
80 / 100

Healthy

30/30
Filing
10/30
Financial
40/40
Risk
  • Current liabilities exceed current assets (-10)
  • Going concern doubt noted in accounts (-10)

Details

20 - 21 LEMON STREET, TRURO, TR1 2LS
Incorporated 25/02/1999

Compliance

Accounts

Up to date

Confirmation statement

Up to date

Industry

82912
82912

Officers

Mr Christopher James Stamp

director · Since 25/07/2012

IT DIRECTOR

BRITISH · ENGLAND · Age 48

Also on 3 other boards

Mr Andrew Neil Harland

director · Since 24/05/2022

FINANCE DIRECTOR

BRITISH · ENGLAND · Age 47

Also on 1 other board

Mr Samuel Twyford

director · Since 01/08/2024

MARKETING DIRECTOR

BRITISH · ENGLAND · Age 38

Also on 2 other boards

Mr Paul Anderson-Riley

director · Since 01/06/2025

DIRECTOR

BRITISH · ENGLAND · Age 34

Also on 4 other boards

Mr Paul Anderson-Riley

secretary · Since 19/08/2025

Also on 4 other boards

Persons with Significant Control

Credit Reporting Agency (Bidco) Limited

75–100% shares
75–100% votes

Trevithick House, Trevissome Park, Truro, TR4 8UN

Reg: 12417398 · Companies House · Private Limited Company

Notified 31/03/2021

Former PSCs

Mr Barry Kevin Stamp

Ceased 13/11/2017

Mrs Ann Marie Stamp

Ceased 13/11/2017

Credit Reporting Agency (Holdings) Limited

Ceased 13/11/2017

Credit Reporting Agency (Holdings) Limited

Ceased 31/03/2021

Credit Reporting Agency (Topco) Limited

Ceased 13/11/2017

Charges0 outstanding

Charge
satisfied

BARRY KEVIN STAMP (AS SECURITY TRUSTEE)

Created 17/02/2020Registered 18/02/2020Satisfied 23/02/2023
Charge
satisfied

SANTANDER UK PLC

Created 16/11/2017Registered 23/11/2017Satisfied 25/09/2024
Charge
satisfied

SANTANDER UK PLC

Created 30/04/2015Registered 13/05/2015Satisfied 25/09/2024

CompanyRankvs 15+ SIC 82912 peers
79

Financial strength97th percentile among SIC peers · 24/25
Employees97th percentile among SIC peers · 15/15
LiquidityCurrent ratio 2.29× · 20/20
Longevity15 years trading (max 15) · 15/15
Filing complianceAll filings up to date · 15/15
Going concern doubt -10
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How is this score calculated?
Financial strength24/25 pts

Net worth compared to all companies in the same SIC code with published accounts. Top quartile earns the full 25 points.

Employees15/15 pts

Workforce size relative to sector peers from the most recent accounts. A larger team generally signals commercial scale.

Liquidity20/20 pts

Current assets ÷ current liabilities. A ratio above 2× earns full marks; between 1–2× scores partially; below 0.5× scores minimal points.

Longevity15/15 pts

One point per year of operation since incorporation, capped at 15. Older companies have a proven track record.

Filing compliance15/15 pts

Full 15 points when both annual accounts and confirmation statement are filed on time. Points are deducted for each overdue filing.

Risk deductions

Going concern doubt: -10 pts

Maximum score is 100. Deductions apply for insolvency history, outstanding charges, going concern doubt, or disqualified officers.

Going Concern Doubt

we have not identified any material uncertainties relating to events or conditions that, individually or collectively, may cast significant doubt on the company's ability to continue as a going concern for a period of at least twelve months from when the original financial statements were authorised for issue. Our responsibilities and the responsibilities of the directors with respect t

Key FinancialsYear ending 31/03/2025

Turnover

£29.9M

Annual revenue

Net Worth

£10.2M

Balance sheet strength

Cash

£7.0M

Cash in the bank

Profit Before Tax

£8.7M

Bottom line earnings

Net Current Assets

£6.7M

Working capital

Current Assets

£11.9M

Current Liabilities

£5.2M

Fixed Assets

£3.8M

Debtors

£4.9M

Cost of Sales

£17.0M

Gross Profit

£12.9M

Admin Expenses

£4.3M

Profit After Tax

£6.5M

60avg. employees+24

Tax at Year End

Dividends paid-£3.0M

People Costs

Wages & salaries£3.1M
NI contributions£350k

Balance Sheet

Assets less current liabilities£10.5M
Signed by Class 1Prepared with Digita Accounts Production Advanced

EstimatesDerived

YearCurrent RatioImplied Profit
20252.29+£5.2M
20231.77
20220.95

Derived from filed accounts. Not audited figures.