Ecapital Commercial Finance Holdings UK Limited
Registered name: ECAPITAL COMMERCIAL FINANCE HOLDINGS UK LIMITED
Ecapital Commercial Finance Holdings UK Limited made £56.6m revenue and £7.4m profit in the year to 31 Dec 2025.
Ecapital Commercial Finance Holdings UK Limited’s revenue grew 16% to £56.6m in the year to 31 Dec 2025, with £7.4m profit and 226 employees. The company is classified under “activities of other holding companies” and is based in Reading; we hold 4 years of its filed accounts.
- Status
- Active
- Location
- Reading, South East
- Age
- 7 yrs · since 2019
- 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 Finance Corp”
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) | £34m | £43.5m | £48.8m | £56.6m |
| Cost of sales | — | £20.3k | — | — |
| Gross profit | £34m | £43.5m | £48.8m | £56.6m |
| Operating profit | £13.9m | £21.2m | £22.8m | £21.9m |
| Profit before tax | £7.5m | £10.3m | £11.1m | £10.6m |
| Profit after tax | £1.3m | −£372k | £8m | £7.4m |
| Profit (best available) | £1.3m | −£372k | £8m | £7.4m |
| Staff costs | £8.7m | £10.4m | £12.3m | £17m |
| Employees (average) | 137 | 162 | 178 | 226 |
| Ratios | ||||
| Profit margin | 3.8% | −0.9% | 16.4% | 13.1% |
| Gross margin | 100% | 100% | 100% | 100% |
| Revenue per employee | £248k | £269k | £274k | £250k |
| Profit per employee | £9.4k | −£2.3k | £45k | £32.8k |
| Cash conversion | 16.1% | 29% | 33% | −17.4% |
| Growth (year on year) | ||||
| Revenue growth | — | ▲28.2% | ▲12.1% | ▲15.9% |
| Profit growth | — | ▼129.1% | — | ▼7.4% |
| Headcount growth | — | ▲18.3% | ▲9.9% | ▲27% |
| Balance sheet — indirect signals, not revenue | ||||
| Cash at bank | £600k | £369k | £6k | £42k |
| Net assets | £76.2k | −£296k | −£2.7m | £2.2m |
| Fixed assets | £8.8m | £7.5m | £12.7m | £11.1m |
| Current assets | £153m | £153m | £7.5m | £7.6m |
| Debtors | £152m | £151m | £3k | £203m |
| Cash from operations | £2.2m | £6.2m | £7.5m | −£3.8m |
| 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
- 13.1%
- Profit ÷ revenue.
- Gross margin
- 100%
- Gross profit ÷ revenue. High for software and services.
- Revenue per employee
- £250k
- Revenue ÷ average employees.
- Profit per employee
- £32.8k
- Profit ÷ average employees.
- Cash conversion
- −17.4%
- Cash generated from operations ÷ operating profit. Needs a cash-flow statement.
- Fixed assets ÷ revenue
- 19.7%
- Capital intensity. Low = capital-light, cheaper to start.
- Deferred income ÷ revenue
- —
- Customers paying upfront (subscriptions, deposits). Approximate when combined with accruals.
- Debtors ÷ revenue
- 359.3%
- 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
- —
- Now £2.2m
- Cash at bank
- ▲602%
- Now £42k
- Headcount
- ▲27%
- Now 226
- Deferred income
- —
- Now —
- Fixed assets
- ▼13%
- Now £11.1m
Group structure
Subsidiaries (2)
- Ecapital 3414 LimitedRev. £0 · Profit £8m
- Aghoco 2049 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 £7.4m), 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.