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FUNDING CIRCLE LTD

71 QUEEN VICTORIA STREET, LONDON, EC4V 4AY

Company Number: 06968588
Incorporation date: 21-Jul-2009
Status: Active
Entity type: Private Limited Company

SIC codes:
64929 Other credit granting not elsewhere classified





SUMMARY

This company is 15.9 years old and is currently active. It is controlled by Funding Circle Holdings Plc. The company has positive equity (net assets) of USD 11.9 million which has decreased from the previous year's figure of USD 17.6 million. Retained earnings is negative (USD -90.2 million), which means the company has aggregate losses since it's inception or it has paid more dividends than it can afford; given the company's age, this is a sign of serious financial problems. The company has 6 active officers (directors or partners) who are or were officers of 21 other companies, 8 (38.1%) of which have since been dissolved or are proposed for strike off. The company has no public disputes filed on the Business Disputes Register. There are no court cases involving the company that we are aware of.


FINANCIALS (BETA)

Next accounts due: 30-Sep-2026
Accounts Filed: FULL (31-Dec-2024)


P&L Financials:
Year end Currency Revenue Operating profit Interest Received Interest Paid Tax Net Profit GBP
31-Dec-2019 USD -23,300,000 800,000 -500,000
31-Dec-2018 USD 93,600,000 -14,400,000 300,000 1,400,000
31-Dec-2017 USD 68,400,000 -1,100,000 500,000 1,000,000 -500,000
31-Dec-2016 USD 39,278,007 -13,712,825 409,390 622,308 -13,337,090
31-Dec-2015 USD 23,803,398 -17,590,183 491,014 -18,006,020
31-Dec-2014 GBP 11,845,516 -10,756,909 99,418 188,494 -10,848,909 -10,848,909
31-Dec-2012 GBP 2 -4,057,350 3,452 187,868 -3


Balance Sheet Financials:
Year end Currency Cash Current Assets Current Liabilities Debt Share Capital Premium Reserve Retained Earnings Net Assets
31-Dec-2019 USD 14,800,000 44,000,000 11,900,000 100,000 -90,200,000 11,900,000
31-Dec-2018 USD 10,800,000 23,000,000 19,900,000 11,900,000 100,000 -64,900,000 17,600,000
31-Dec-2017 USD 141,000,000 21,600,000 9,200,000 11,900,000 100,000 -51,800,000 13,000,000
31-Dec-2016 USD 10,323,544 16,003,094 11,931,089 119,302 -51,372,506 9,971,668
31-Dec-2015 USD 11,931,089 119,302,000,000 -38,035,416 5,386,653
31-Dec-2014 GBP 8,103,931 9,521,654 9,521,654 11,931,089 119,302,000,000 -20,331,660 -2,954,358
31-Dec-2012 GBP 6 6,797,508 57,755 11,931,089 119,302 -5,494,938 6,555,453

VALUATION EVENTS (BETA)

Year end Currency % Equity Sum raised Pre-Money Valuation* Post-Money Valuation* Enterprise Value**
31-Dec-2017 USD -0.26% -50,391 19,338,657 19,288,266 -56,348,311
* Average valuation during the period
** Estimated based on average Cash and Debt levels during period

DISPUTES

No disputes filed on www.disputesregister.org

COMPANY SECRETARY


Status Name Appointed on Resigned on Occupation Nationality All apointments
(active/resigned)
Active Tiana JOANNOU 05 Feb 2024 19 Jun 2025 1 - 0
Resigned Vinotha ANTHONY 19 Oct 2022 25 Jul 2023 0 - 1
Resigned Charlotte HAWKINS 11 Oct 2019 24 Jun 2021 0 - 1
Resigned Martin Andrew William COOK 12 Dec 2017 11 Oct 2019 0 - 1
Resigned Lucy VERNALL 15 Jul 2014 12 Dec 2017 0 - 1
Resigned Eugenia ZIRANOVA 01 May 2013 09 May 2014 0 - 1
Resigned OVALSEC LIMITED 16 May 2012 01 May 2013 1 - 425
Resigned James MEEKINGS 21 Jul 2009 16 May 2012 British 0 - 1

DIRECTORS


Status Name Appointed on Resigned on Occupation Nationality All appointments
(active/resigned)		 Dissolved companies
(rate)
Active Anthony Richard Craig NICOL 02 Sep 2024 Director British 9 - 34 (33.3%)
Active Jerome FERNANDEZ 26 Oct 2023 Director British 1 - 00 (0.0%)
Active Belkacem KRIMI 12 Apr 2022 Director French 1 - 00 (0.0%)
Active Alexander Patrick James ALLEN 12 Apr 2022 Director British 1 - 10 (0.0%)
Resigned Oliver John WHITE 15 Jun 2020 02 Sep 2024 Accountant British 0 - 20 (0.0%)
Active Lisa Jane JACOBS 23 Oct 2019 Director British 2 - 62 (25.0%)
Resigned Jerome Yves LE LUEL 08 Oct 2019 12 Apr 2022 Director British,French 2 - 20 (0.0%)
Resigned Sean Robert GLITHERO 12 Dec 2017 07 Apr 2020 Accountant British 0 - 5142 (82.4%)
Resigned Matthew James Wyatt KING 22 Sep 2015 31 Dec 2024 Consultant British 0 - 82 (25.0%)
Resigned Edward James WRAY 09 Aug 2011 07 Apr 2020 Company Director British 2 - 30 (0.0%)
Resigned Neil RIMER 09 Mar 2011 22 Sep 2015 Director Swiss 1 - 10 (0.0%)
Resigned Laurence Michael EDMANS 21 May 2010 09 Mar 2011 Director British 0 - 225 (22.7%)
Resigned Alan William MORGAN 21 May 2010 09 Mar 2011 Director British 7 - 2511 (34.4%)
Active Andrew Digby LEAROYD 25 Feb 2010 Director British 3 - 1711 (55.0%)
Resigned Andrew Christopher Arthur MULLINGER 27 Oct 2009 09 Mar 2011 None British 0 - 40 (0.0%)
Resigned Samir DESAI 21 Jul 2009 12 Dec 2017 Director British 0 - 63 (50.0%)
Resigned James MEEKINGS 21 Jul 2009 30 Dec 2019 Director British 0 - 63 (50.0%)
Number of active directors: 6
Average tenure of active directors: 5.0 years
Average tenure of resigned directors: 4.9 years
Average active director Dissolution Rate: 18.9%

DIRECTOR APPOINTMENTS IN OTHER COMPANIES

Name
  
THE RESOURCE CONNECTION LTD. (02414065) - Dissolved ✔
SMALL WORLD FINANCIAL SERVICES GROUP LIMITED (05405279) - In Administration ✔
HEALTHY KIDS LIMITED (05446501) - Active ✔
CAREER ABILITY LIMITED (05514057) - Dissolved ✔
WORKOLOGY NET LIMITED (06333485) - Dissolved ✔
THRESHOLD SPORTS LIMITED (06430519) - Active ✔
WORKOLOGY LIMITED (06912875) - Dissolved ✔
FUNDING CIRCLE LTD (06968588) - Active ✔✔✔✔✔✔
FUNDING CIRCLE HOLDINGS PLC (07123934) - Active ✔✔✔
EDUCATE SCHOOL SERVICES LTD (07154692) - Active ✔
FUNDING CIRCLE TRUSTEE LIMITED (07239092) - Active ✔✔
WLG LEARNING LIMITED (07749458) - Active ✔
FUNDING CIRCLE ASSET FINANCE LIMITED (07832868) - Active - Proposal to Strike off ✔✔
FUNDING CIRCLE PROPERTY FINANCE LIMITED (08896582) - Active - Proposal to Strike off ✔✔
MADE TO DO MORE LIMITED (10575978) - Active ✔
FUNDING CIRCLE MIDCO LIMITED (11793162) - Active - Proposal to Strike off ✔
FUNDING CIRCLE FOCAL POINT LENDING LIMITED (12407296) - Active ✔✔
FUNDING CIRCLE ECLIPSE LENDING LIMITED (12570773) - Active ✔✔
FUNDING CIRCLE BB LIMITED (12593368) - Active ✔✔
AUDAX VENTURES LTD (13125571) - Active ✔
FUNDING CIRCLE POLARIS LENDING LIMITED (13216286) - Active ✔
FUNDING CIRCLE HORIZON LENDING LIMITED (13451185) - Active - Proposal to Strike off ✔

SHAREHOLDERS (BETA)

Shareholder name Share class Shares at confirmation date
2019-07-212016-07-212015-07-212014-07-212013-07-21
FUNDING CIRCLE HOLDINGS PLCORDINARY11,931,089
100%		0
0%		0
0%		0
0%		0
0%
FUNDING CIRCLE HOLDINGS LIMITEDORDINARY0
0%		11,931,089
100%		0
0%		0
0%		0
0%
FUNDING CIRCLE HOLDINGS LTDORDINARY0
0%		0
0%		11,931,089
100%		11,931,089
100%		11,931,089
100%

SHAREHOLDINGS (BETA)

Company name Share class Shares at confimation date
2016-04-292015-04-292014-04-292013-04-292012-04-29
FUNDING CIRCLE LTDORDINARY1
100%		1
100%		1
100%		1
100%		1
100%

CONTROLLED COMPANIES / CONTROLLING ENTITIES



Controlling entities above

FUNDING CIRCLE LTD

Controlled companies below

LATE PAYMENTS REPORT


Start date End date Average days to pay % invoices paid over 60 days % invoices not paid within agreed terms Gov.uk report
2024-07-01 2024-12-31 22 0% 12% 93271
2024-01-01 2024-06-30 21 0% 5% 85701
2023-07-01 2023-12-31 22 0% 12% 79350
2023-01-01 2023-06-30 21 0% 11% 72730
2022-07-01 2022-12-31 36 12% 23% 66890
2022-07-01 2022-12-31 21 0% 11% 69379
2022-01-01 2022-06-30 25 1% 25% 69378
2022-01-01 2022-06-30 35 13% 25% 61265
2021-07-01 2021-12-31 35 13% 24% 54379
2021-07-01 2021-12-31 23 1% 20% 69377
2021-01-01 2021-06-30 37 14% 27% 48678
2021-01-01 2021-06-30 22 1% 17% 69375
2020-07-01 2020-12-31 23 0% 18% 40884
2020-01-01 2020-06-30 21 1% 18% 33035
2019-07-01 2019-12-31 19 1% 14% 27962
2019-01-01 2019-06-30 22 1% 22% 19276
2018-07-01 2018-12-31 26 3% 22% 12310
2018-01-01 2018-06-30 17 0% 11% 2750


COURT CASES


No Court Cases found

PATENTS


No Patents found

COMPETITORS

(Based on Sic code: 64929 Other credit granting not elsewhere classified)

Company Registered Address Company Number YE Date Revenue GBP Net Profit GBP Other SIC codes
SHOP DIRECT FINANCE COMPANY LIMITED FIRST FLOOR, SKYWAYS HOUSE,, SPEKE ROAD, SPEKE, LIVERPOOL, UNITED KINGDOM, L70 1AB 04660974 2018-06-30 415,200,000 -49,700,000 64999-Financial intermediation not elsewhere classified
TOYOTA FINANCIAL SERVICES (UK) PLC GREAT BURGH, BURGH HEATH, EPSOM, SURREY, KT18 5UZ 02299961 2018-03-31 310,182,000 96,897,000
HONDA FINANCE EUROPE PLC CAIN ROAD, BRACKNELL, BERKSHIRE, RG12 1HL 03289418 2018-03-31 74,021,000 25,551,000
FUNDING CIRCLE LTD 71 QUEEN VICTORIA STREET, LONDON, ENGLAND, EC4V 4AY 06968588 2017-12-31 68,400,000 500,000
PREPAID FINANCIAL SERVICES LIMITED 4TH FLOOR, 35 GREAT ST. HELEN'S, LONDON, ENGLAND, EC3A 6AP 06337638 2017-12-31 44,788,302 2,690,976
WPG FINANCE LIMITED 12TH FLOOR ALDGATE TOWER, 2 LEMAN STREET, LONDON, UNITED KINGDOM, E1W 9US 08478860 2018-04-30 34,758,353 29,025,729
WPG FINANCE LIMITED 12TH FLOOR ALDGATE TOWER, 2 LEMAN STREET, LONDON, UNITED KINGDOM, E1W 9US 08478860 2018-04-30 34,758,353 0
WPG TREASURY LIMITED 12TH FLOOR ALDGATE TOWER, 2 LEMAN STREET, LONDON, UNITED KINGDOM, E1W 9US 08478907 2018-04-30 17,528,768 0
MATURA FINANCE LIMITED 12TH FLOOR ALDGATE TOWER, 2 LEMAN STREET, LONDON, UNITED KINGDOM, E1W 9US 08000680 2018-04-30 4,681,778 0
WP SECURED LIMITED 12TH FLOOR ALDGATE TOWER, 2 LEMAN STREET, LONDON, UNITED KINGDOM, E1W 9US 07884258 2017-04-30 1,225,645 0
NMVC SPV ONE LIMITED 2-4 PACKHORSE ROAD, GERRARDS CROSS, BUCKINGHAMSHIRE, UNITED KINGDOM, SL9 7QE 09105494 2017-12-31 1,177,186 0
HASLEBROW FINANCE LIMITED THE COPPER ROOM DEVA CITY OFFICE PARK, TRINITY WAY, MANCHESTER, ENGLAND, M3 7BG 00804402 2017-06-30 468,384 0
NEWBERY ACCOUNTANCY LIMITED THE FINCHES, HALSTEAD ROAD EIGHT ASH GREEN, COLCHESTER, COLCHESTER, ESSEX, UNITED KINGDOM, CO6 3PU 10386522 2018-09-30 100,750 0
HOME CREDIT FINANCE LTD HEMPSTEAD MANOR FARM, HEMPSTEAD LANE, UCKFIELD, ENGLAND, TN22 3DL 07953728 2018-08-31 99,070 0
THE CO-OPERATIVE LOAN FUND LIMITED 195 -197 WHITELADIES ROAD, BRISTOL, ENGLAND, BS8 2SB 05670633 2017-12-31 76,921 0 64999-Financial intermediation not elsewhere classified
PARAGON INVESTMENT CAPITAL LTD THE NEW COACH HOUSE, BARRACK LANE, TRURO, ENGLAND, TR1 2DW 09033295 2018-05-31 54,264 0
TALAN AND CO LTD 25 TARRY WAY, BOUGHTON, NORTHAMPTON, UNITED KINGDOM, NN2 8GP 07627643 2018-05-31 41,000 0
WEFINDANYLOAN LIMITED 35-37 OFFICE 7, LUDGATE HILL, CITY OF LONDON, ENGLAND, EC4M 7JN 09934381 2017-10-31 33,300 0
T & R FINANCE LIMITED T & R FINANCE, PO BOX 770, LLANISHEN, CARDIFF, CF14 6XZ 04162980 2018-03-31 27,993 0
OZZY GROUPS LIMITED 57 CRANELL GREEN, SOUTH OCKENDON, ENGLAND, RM15 6BB 10300483 2018-09-30 27,017 0 80100-Private security activities
81299-Other cleaning services
CAPITAL FINANCE (LONDON) LIMITED CAPITAL FINANCE (LONDON) LIMITED, 152-154 ESSEX ROAD, LONDON, UNITED KINGDOM, N1 8LY 04624547 2018-12-31 22,803 0
EQUFUND LIMITED HAMMOND HOUSE, 1A NORTH ROAD, WEST KIRBY, CH48 4DE 02518230 2017-12-31 8,000 0
CAH INVESTMENTS LIMITED CRESTA WARE STREET, BEARSTED, MAIDSTONE, KENT, ENGLAND, ME14 4PG 09609055 2018-05-31 0 0
CLARENDON PREMIUM FINANCE LIMITED LUKIN WOOD, MORTIMER, READING, BERKSHIRE, RG7 3RH 02218015 2018-12-31 0 0
FINTECH PREMIUM FINANCE LTD 41 HIGH STREET NORTH, LANGLEY MOOR, DURHAM, ENGLAND, DH7 8JG 10345787 2018-04-30 0 0
MACC INVEST LTD 29 HOUSE O'HILL RD, BLACKHALL, EDINBURGH, EH4 2AJ SC451900 2018-06-30 0 0
SILVERMARSH LIMITED MHA HOUSE CHARTER COURT, PHOENIX WAY, SWANSEA ENTERPRISE PARK, SWANSEA, WALES, SA7 9FS 10591561 2018-01-31 0 0
THAMES VALLEY ASSET FINANCE LIMITED 7 WEST MILLS YARD, NEWBURY, BERKSHIRE, ENGLAND, RG14 5LP 05880332 2018-07-31 0 0
THE WEEKLY PAID CLUB LIMITED 178 DEYES LANE, LIVERPOOL, ENGLAND, L31 9AW 09587221 2018-05-31 0 0
ZEINDLER EUROPEAN PROPERTY GROUP PLC BRIDGE HOUSE, 4 BOROUGH HIGH STREET, LONDON, UNITED KINGDOM, SE1 9QR 10460734 2017-11-30 0 0

LIQUIDATION RISK (BETA)



This company is Active. Statistically, Active companies have a low probability of being liquidated within a year.
Here are our probability predictions:
Basis Liquidation within 3 months Liquidation within 6 months Liquidation within 12 months Prediction confidence
FUNDING CIRCLE LTD 0.7% 3.6% 7.1% Medium
Other companies Active in the same sector 0.8% 2.3% 6.6% Medium
Age 0.4% 1.7% 3.3% Medium
Company Type 0.7% 3.7% 7.4% Medium
Accounts category 0.7% 2.2% 3.8% Medium
Accounting Month 0.6% 2.4% 5.5% Medium
Sic code count 0.7% 3.5% 7.0% Medium
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