Chip Financial Group Ltd
Registered name: CHIP FINANCIAL GROUP LTD
Chip Financial Group Ltd made £29.8m revenue and a £2.8m loss in the year to 31 Dec 2025.
Chip Financial Group Ltd’s revenue grew 25% to £29.8m in the year to 31 Dec 2025, with a loss of £2.8m and 176 employees. The company is classified under “financial intermediation not elsewhere classified” and is based in London; we hold 3 years of its filed accounts.
- Status
- Active
- Location
- London, London
- Age
- 10 yrs · since 2016
- 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.
Key figures
Badges are automated estimates derived from the filed figures — not statements of fact about the company.
Financial history
| Year to | 31 Dec 2023 | 31 Dec 2024 | 31 Dec 2025 |
|---|---|---|---|
| Disclosure | Full P&L | Full P&L | Full P&L |
| Profit & loss | |||
| Revenue (turnover) | £14.7m | £23.8m | £29.8m |
| Cost of sales | −£2.5m | −£2.5m | −£2.8m |
| Gross profit | £12.2m | £21.4m | £27m |
| Operating profit | −£3.7m | −£1.5m | −£3.5m |
| Profit before tax | −£3.7m | −£1.2m | −£3.3m |
| Profit after tax | −£3.6m | −£703k | −£2.8m |
| Profit (best available) | −£3.6m | −£703k | −£2.8m |
| Employees (average) | — | 150 | 176 |
| Ratios | |||
| Profit margin | −24.2% | −2.9% | −9.3% |
| Gross margin | 82.9% | 89.6% | 90.8% |
| Revenue per employee | — | £159k | £169k |
| Profit per employee | — | −£4.7k | −£15.7k |
| Growth (year on year) | |||
| Revenue growth | — | ▲61.9% | ▲25.1% |
| Headcount growth | — | — | ▲17.3% |
| Balance sheet — indirect signals, not revenue | |||
| Net assets | — | — | — |
| Source | Accounts · bulk data Jun 2025 | Accounts · bulk data Jun 2025 | Accounts · bulk data Sep 2026 |
How the business works
- Profit margin
- −9.3%
- Profit ÷ revenue.
- Gross margin
- 90.8%
- Gross profit ÷ revenue. High for software and services.
- Revenue per employee
- £169k
- Revenue ÷ average employees.
- Profit per employee
- −£15.7k
- 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
- —
- Customers paying upfront (subscriptions, deposits). Approximate when combined with accruals.
- Debtors ÷ revenue
- —
- 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
- —
- Now —
- Cash at bank
- —
- Now —
- Headcount
- ▲17%
- Now 176
- Deferred income
- —
- Now —
- Fixed assets
- —
- Now —
Group structure
Subsidiaries (1)
- Chip Financial Wealth LtdRev. £2.8m · Profit £0
From the Persons with Significant Control register (corporate controllers only).
Sources
Latest figures from accounts for the year to 31 Dec 2025 (profit −£2.8m), from the Companies House accounts bulk data published Sep 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.