Credit Reporting Agency Limited
Registered name: CREDIT REPORTING AGENCY LIMITED
Part of Credit Reporting Agency (Holdco) Limited groupCredit Reporting Agency Limited made £33.8m revenue and £8.7m profit in the year to 31 Mar 2026.
Credit Reporting Agency Limited’s revenue grew 13% to £33.8m in the year to 31 Mar 2026, with £8.7m profit and 69 employees. The company is classified under “activities of credit bureaus” and is based in Truro; we hold 5 years of its filed accounts.
- Status
- Active
- Location
- Truro, South West
- Age
- 27 yrs · since 1999
- Type
- Private Limited Company
Part of a group. The filing indicates this company sits within a group structure, so its results may depend on intra-group trading and it may be hard to replicate independently. From the filing: “Credit Reporting Agency (Bidco) Limited”
Key figures
Badges are automated estimates derived from the filed figures — not statements of fact about the company.
Financial history
| Year to | 31 Mar 2022 | 31 Mar 2023 | 31 Mar 2024 | 31 Mar 2025 | 31 Mar 2026 |
|---|---|---|---|---|---|
| Disclosure | No P&L | No P&L | Full P&L | Full P&L | Full P&L |
| Profit & loss | |||||
| Revenue (turnover) | — | — | £26.4m | £29.9m | £33.8m |
| Cost of sales | — | — | £15.1m | £17m | £17.2m |
| Gross profit | — | — | £11.3m | £12.9m | £16.6m |
| Profit before tax | — | — | £7.8m | £8.7m | £11.7m |
| Profit after tax | — | — | £5.9m | £6.5m | £8.7m |
| Profit (best available) | — | — | £5.9m | £6.5m | £8.7m |
| Staff costs | — | — | £2.8m | £3.6m | £4.3m |
| Employees (average) | 30 | 36 | 48 | 60 | 69 |
| Ratios | |||||
| Profit margin | — | — | 22.2% | 21.6% | 25.9% |
| Gross margin | — | — | 42.9% | 43.1% | 49.1% |
| Revenue per employee | — | — | £551k | £499k | £490k |
| Profit per employee | — | — | £122k | £108k | £127k |
| Growth (year on year) | |||||
| Revenue growth | — | — | — | ▲13.3% | ▲12.8% |
| Profit growth | — | — | — | ▲10.3% | ▲35% |
| Headcount growth | — | ▲20% | ▲33.3% | ▲25% | ▲15% |
| Balance sheet — indirect signals, not revenue | |||||
| Cash at bank | £2.8m | £3m | £5.3m | £7m | £10.1m |
| Net assets | £100 | £5m | £6.7m | £10.2m | £9.3m |
| Fixed assets | £260k | £2.1m | £3.9m | £3.8m | £3.6m |
| Current assets | £4m | £7m | £7.4m | £11.9m | £18.6m |
| Debtors | £1.2m | £4m | £2.1m | £4.9m | £8.5m |
| Source | Accounts · bulk data Dec 2023 | Accounts · bulk data Dec 2023 | FullAccounts · bulk data Dec 2025 | FullAccounts · bulk data Dec 2025 | FullAccounts · bulk data Aug 2026 |
How the business works
- Profit margin
- 25.9%
- Profit ÷ revenue.
- Gross margin
- 49.1%
- Gross profit ÷ revenue. High for software and services.
- Revenue per employee
- £490k
- Revenue ÷ average employees.
- Profit per employee
- £127k
- Profit ÷ average employees.
- Cash conversion
- —
- Cash generated from operations ÷ operating profit. Needs a cash-flow statement.
- Fixed assets ÷ revenue
- 10.7%
- Capital intensity. Low = capital-light, cheaper to start.
- Deferred income ÷ revenue
- —
- Customers paying upfront (subscriptions, deposits). Approximate when combined with accruals.
- Debtors ÷ revenue
- 25.1%
- 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
- ▼9%
- Now £9.3m
- Cash at bank
- ▲43%
- Now £10.1m
- Headcount
- ▲15%
- Now 69
- Deferred income
- —
- Now —
- Fixed assets
- ▼5%
- Now £3.6m
Group structure
Ownership chain
- Credit Reporting Agency (Holdco) Limitedultimate parent75–100%
- Credit Reporting Agency (Bidco) Limited75–100%
- Credit Reporting Agency Limitedthis company
Bands show the share of ownership each company holds in the one below it.
Sister companies (1)
- Checkmyfile 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 £8.7m), from the Companies House accounts bulk data published Aug 2026. Spotted an error? Request a correction.
Updated from Companies House on 23 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.