Ecapital Commercial Finance (North) Limited
Registered name: ECAPITAL COMMERCIAL FINANCE (NORTH) LIMITED
Part of Ecapital Commercial Finance Holdings UK Limited groupEcapital Commercial Finance (North) Limited made £19.1m revenue and £4.7m profit in the year to 31 Dec 2025.
Ecapital Commercial Finance (North) Limited’s revenue fell 2% to £19.1m in the year to 31 Dec 2025, with £4.7m profit and 78 employees. The company is classified under “factoring” and is based in Reading; we hold 4 years of its filed accounts.
- Status
- Active
- Location
- Reading, South East
- Age
- 13 yrs · since 2013
- 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: “eCapital 3415 Limited”
Key figures
Badges are automated estimates derived from the filed figures — not statements of fact about the company.
Financial history
| Year to | 31 Dec 2022 | 31 Dec 2023 | 31 Dec 2024 | 31 Dec 2025 |
|---|---|---|---|---|
| Disclosure | Full P&L | Full P&L | Full P&L | Full P&L |
| Profit & loss | ||||
| Revenue (turnover) | £14.3m | £18.1m | £19.5m | £19.1m |
| Operating profit | £6.4m | £7.4m | £10.3m | £9.2m |
| Profit before tax | £5m | £4.4m | £7m | £6.3m |
| Profit after tax | £4m | £3.4m | £5.3m | £4.7m |
| Profit (best available) | £4m | £3.4m | £5.3m | £4.7m |
| Staff costs | £2.9m | £3.6m | £4m | £5m |
| Employees (average) | 58 | 66 | 66 | 78 |
| Ratios | ||||
| Profit margin | 28.1% | 18.6% | 27% | 24.6% |
| Revenue per employee | £246k | £274k | £296k | £245k |
| Profit per employee | £69.2k | £51k | £79.8k | £60.1k |
| Growth (year on year) | ||||
| Revenue growth | — | ▲26.8% | ▲8% | ▼2.3% |
| Profit growth | — | ▼16.1% | ▲56.5% | ▼11.1% |
| Headcount growth | — | ▲13.8% | 0% | ▲18.2% |
| Balance sheet — indirect signals, not revenue | ||||
| Cash at bank | £49.6k | £52.8k | £393k | £428k |
| Net assets | £9m | £10.9m | £15.5m | £12.4m |
| Fixed assets | £53.5k | £85.8k | £71k | £60.5k |
| Current assets | £65.2m | £62.3m | £72.8m | £73.5m |
| Debtors | £64.8m | £60.9m | £71.3m | £66.7m |
| Source | FullAccounts · bulk data Apr 2024 | FullAccounts · bulk data Apr 2024 | FullAccounts · bulk data Apr 2025 | FullAccounts · bulk data Apr 2026 |
How the business works
- Profit margin
- 24.6%
- Profit ÷ revenue.
- Gross margin
- —
- Gross profit ÷ revenue. High for software and services.
- Revenue per employee
- £245k
- Revenue ÷ average employees.
- Profit per employee
- £60.1k
- Profit ÷ average employees.
- Cash conversion
- —
- Cash generated from operations ÷ operating profit. Needs a cash-flow statement.
- Fixed assets ÷ revenue
- 0.3%
- Capital intensity. Low = capital-light, cheaper to start.
- Deferred income ÷ revenue
- —
- Customers paying upfront (subscriptions, deposits). Approximate when combined with accruals.
- Debtors ÷ revenue
- 349.6%
- 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
- ▼20%
- Now £12.4m
- Cash at bank
- ▲9%
- Now £428k
- Headcount
- ▲18%
- Now 78
- Deferred income
- —
- Now —
- Fixed assets
- ▼15%
- Now £60.5k
Group structure
Ownership chain
- Ecapital Commercial Finance Holdings UK Limitedultimate parent75–100%
- Ecapital 3414 Limited75–100%
- Ecapital 3415 Limited75–100%
- Ecapital Commercial Finance (North) Limitedthis company
Bands show the share of ownership each company holds in the one below it.
Sister companies (2)
- Ecapital Commercial Finance LimitedRev. £28.3m · Profit £7m
- Bridge Consultancy International Holdings LimitedFigures not disclosed
From the Persons with Significant Control register (corporate controllers only).
Sources
Latest figures from FullAccounts for the year to 31 Dec 2025 (profit £4.7m), from the Companies House accounts bulk data published Apr 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.