Rivers Finance Limited
Registered name: RIVERS FINANCE LIMITED
Part of Rivers Finance Group PLC groupRivers Finance Limited made £655k revenue and £81.9k profit in the year to 31 Mar 2026. read from filing text
Rivers Finance Limited’s revenue grew 17% to £655k in the year to 31 Mar 2026, with £81.9k profit and 2 employees. The company is classified under “financial leasing” and is based in Harrow; we hold 3 years of its filed accounts.
- Status
- Active
- Location
- Harrow, London
- Age
- 19 yrs · since 2007
- 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.
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: “The immediate parent undertaking is Rivers Leasing Plc, a company incorporated in England and Wales, by virtue of its holding of 100% of the issued share capital of the company.”
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&Lread from filing text | Full P&Lread from filing text | Full P&Lread from filing text |
| Profit & loss | |||
| Revenue (turnover) | £390k | £561k | £655k |
| Cost of sales | £8.5k | £27.5k | £31.4k |
| Gross profit | £381k | £533k | £624k |
| Operating profit | £354k | £478k | £536k |
| Profit before tax | £116k | £101k | £109k |
| Profit after tax | £87.2k | £75.6k | £81.9k |
| Profit (best available) | £87.2k | £75.6k | £81.9k |
| Employees (average) | 2 | 2 | 2 |
| Ratios | |||
| Profit margin | 22.4% | 13.5% | 12.5% |
| Gross margin | 97.8% | 95.1% | 95.2% |
| Revenue per employee | £195k | £280k | £328k |
| Profit per employee | £43.6k | £37.8k | £40.9k |
| Growth (year on year) | |||
| Revenue growth | — | ▲43.8% | ▲16.9% |
| Profit growth | — | ▼13.3% | ▲8.3% |
| Headcount growth | — | 0% | 0% |
| Balance sheet — indirect signals, not revenue | |||
| Cash at bank | £60k | £91.8k | £33.7k |
| Net assets | £156k | £107k | £138k |
| Current assets | £4.4m | £5.3m | £6.3m |
| Debtors | £4.4m | £5.2m | £6.3m |
| Deferred income | £3.5k | £6.4k | £6.8k |
| Source | FullAccounts · bulk data Aug 2025 | FullAccounts · bulk data Aug 2025 | FullAccounts · bulk data Aug 2026 |
How the business works
- Profit margin
- 12.5%
- Profit ÷ revenue.
- Gross margin
- 95.2%
- Gross profit ÷ revenue. High for software and services.
- Revenue per employee
- £328k
- Revenue ÷ average employees.
- Profit per employee
- £40.9k
- Profit ÷ average employees.
- Cash conversion
- —
- Cash generated from operations ÷ operating profit. Needs a cash-flow statement.
- Fixed assets ÷ revenue
- —
- Capital intensity. Low = capital-light, cheaper to start.
- Deferred income ÷ revenue
- 1%
- Customers paying upfront (subscriptions, deposits). Approximate when combined with accruals.
- Debtors ÷ revenue
- 955.3%
- 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
- ▲30%
- Now £138k
- Cash at bank
- ▼63%
- Now £33.7k
- Headcount
- 0%
- Now 2
- Deferred income
- ▲7%
- Now £6.8k
- Fixed assets
- —
- Now —
Deferred income is reported together with accruals in this filing (“accruals and deferred income”), so it is an approximate signal only.
Group structure
Ownership chain
- Rivers Finance Group PLCultimate parent75–100%
- Rivers Leasing PLC75–100%
- Rivers Finance Limitedthis company
Bands show the share of ownership each company holds in the one below it.
Sister companies (3)
- Rivers SPV LimitedRev. £1.6m · Profit £575k
- Rivers Funding LimitedRev. £0 · Profit −£20.8k
- Rivers SPV 2 LimitedFigures not disclosed
From the Persons with Significant Control register (corporate controllers only).
Sources
Latest figures from FullAccounts for the year to 31 Mar 2026 (profit £81.9k), 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.