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Upcredit Limited

15933786

active
Private Limited Company
england wales
Companies House
Health Score
70 / 100

Some Concerns

30/30
Filing
0/30
Financial
40/40
Risk
  • Negative net worth (-10)
  • Loss before tax (-10)
  • Going concern doubt noted in accounts (-10)

Details

12 NEW FETTER LANE, LONDON, EC4A 1JP
Incorporated 03/09/2024

Compliance

Last accounts

31/12/2025

small

Next accounts due

30/09/2027

On track

Confirmation statement

Last: 21/05/2026

Due 04/06/2027

On track

Industry

64921
64921

Officers

Ms Yao Lu

director · Since 03/09/2024

COMPANY DIRECTOR

CHINESE · UNITED KINGDOM · Age 37

Bird & Bird Company Secretaries Limited

secretary · Since 23/12/2024

BRITISH

Also on 293 other boards

Russell James Talbott

director · Since 15/12/2025

BRITISH · UNITED KINGDOM · Age 44

Persons with Significant Control

Qfin Holdings, Inc.

75–100% shares
75–100% votes
Appoint directors

PO BOX 309, Ugland House,, Grand Cayman, KY11 1104

Reg: Mc336120 · Registry Of Companies Cayman Islands · Company Limited By Shares

Notified 03/09/2024

CompanyRankvs 729+ SIC 64921 peers
24

Financial strength3th percentile among SIC peers · 1/25
Employees91th percentile among SIC peers · 14/15
LiquidityCurrent ratio 0.13× · 2/20
Longevity2 years trading (max 15) · 2/15
Filing complianceAll filings up to date · 15/15
Going concern doubt -10
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How is this score calculated?
Financial strength1/25 pts

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

Employees14/15 pts

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

Liquidity2/20 pts

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

Longevity2/15 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 financial statements are authorised for issue. Our responsibilities and the responsibilities of the directors with respect to going concern are d

Key FinancialsYear ending 31/12/2025

Net Worth

-£673k

Balance sheet strength

Cash

£5k

Cash in the bank

Profit Before Tax

-£701k

Bottom line earnings

Net Current Assets

-£298k

Working capital

Current Assets

£45k

Current Liabilities

£343k

Debtors

£40k

Admin Expenses

£701k

Operating Profit

-£701k

Profit After Tax

-£693k

5avg. employees

People Costs

Wages & salaries£183k
NI contributions£13k

Balance Sheet

Assets less current liabilities-£298k
Signed by Ms Yao LU 21/05/2026Prepared with Acorah Software Products - Accounts Production

EstimatesDerived

YearCurrent Ratio
20250.13

Derived from filed accounts. Not audited figures.