Octopus Money Financial Solutions Limited
Registered name: OCTOPUS MONEY FINANCIAL SOLUTIONS LIMITED
Part of Octopus Group Holdings Ltd groupOctopus Money Financial Solutions Limited made £2.4m revenue and a £9m loss in the year to 30 Apr 2025.
Octopus Money Financial Solutions Limited’s revenue grew 10% to £2.4m in the year to 30 Apr 2025, with a loss of £9m and 119 employees. The company is classified under “activities of financial services holding companies” 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.
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.
Key figures
Badges are automated estimates derived from the filed figures — not statements of fact about the company.
Financial history
| Year to | 30 Apr 2023 | 30 Apr 2024 | 30 Apr 2025 |
|---|---|---|---|
| Disclosure | Full P&L | Full P&L | Full P&L |
| Profit & loss | |||
| Revenue (turnover) | £1.2m | £2.1m | £2.4m |
| Cost of sales | £613k | £1.2m | £1m |
| Gross profit | £545k | £981k | £1.4m |
| Operating profit | −£5.4m | −£10m | −£11.8m |
| Profit before tax | −£5.4m | −£10m | −£11.8m |
| Profit after tax | −£4.4m | −£7.7m | −£9m |
| Profit (best available) | −£4.4m | −£7.7m | −£9m |
| Staff costs | £4.3m | £7.8m | £10.3m |
| Employees (average) | 50 | 88 | 119 |
| Ratios | |||
| Profit margin | −381.1% | −359.7% | −380.1% |
| Gross margin | 47.1% | 45.7% | 57.4% |
| Revenue per employee | £23.2k | £24.4k | £19.9k |
| Profit per employee | −£88.3k | −£87.8k | −£75.7k |
| Growth (year on year) | |||
| Revenue growth | — | ▲85.3% | ▲10.4% |
| Headcount growth | — | ▲76% | ▲35.2% |
| Balance sheet — indirect signals, not revenue | |||
| Cash at bank | £2.4m | £2.3m | £1.3m |
| Net assets | £3.3m | £8.3m | £7.8m |
| Fixed assets | £49.1k | £2.7m | £2.2m |
| Current assets | £4.9m | £7.1m | £7.5m |
| Debtors | £302k | £473k | £295k |
| Deferred income | £1.2m | £1.1m | £1.2m |
| Source | FullAccounts · bulk data Jan 2025 | FullAccounts · bulk data Jan 2025 | FullAccounts · bulk data Feb 2026 |
How the business works
- Profit margin
- −380.1%
- Profit ÷ revenue.
- Gross margin
- 57.4%
- Gross profit ÷ revenue. High for software and services.
- Revenue per employee
- £19.9k
- Revenue ÷ average employees.
- Profit per employee
- −£75.7k
- Profit ÷ average employees.
- Cash conversion
- —
- Cash generated from operations ÷ operating profit. Needs a cash-flow statement.
- Fixed assets ÷ revenue
- 94%
- Capital intensity. Low = capital-light, cheaper to start.
- Deferred income ÷ revenue
- 49.8%
- Customers paying upfront (subscriptions, deposits). Approximate when combined with accruals.
- Debtors ÷ revenue
- 12.4%
- 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
- ▼6%
- Now £7.8m
- Cash at bank
- ▼41%
- Now £1.3m
- Headcount
- ▲35%
- Now 119
- Deferred income
- ▲11%
- Now £1.2m
- Fixed assets
- ▼19%
- Now £2.2m
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
- Octopus Group Holdings Ltdultimate parent75–100%
- Octopus Capital Limited75–100%
- Octopus Money Holdings Limited75–100%
- Octopus Money Financial Solutions Limitedthis company
Bands show the share of ownership each company holds in the one below it.
Sister companies (4)
- Octopus Money LimitedRev. £986k · Profit £188k
- Octopus Money Platform LimitedRev. — · Profit −£73.1k
- Opv 1 LimitedFigures not disclosed
- Opv 4 LimitedFigures not disclosed
From the Persons with Significant Control register (corporate controllers only).
Sources
Latest figures from FullAccounts for the year to 30 Apr 2025 (profit −£9m), from the Companies House accounts bulk data published Feb 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.