Payplan (Scotland) Limited
Registered name: PAYPLAN (SCOTLAND) LIMITED
Part of Ravenco GP LLP groupPayplan (Scotland) Limited made £590k revenue and £8.4k profit in the year to 31 Dec 2025.
Payplan (Scotland) Limited’s revenue grew 10% to £590k in the year to 31 Dec 2025, with £8.4k profit and 10 employees. The company is classified under “financial intermediation not elsewhere classified” and is based in Edinburgh; we hold 2 years of its filed accounts.
- Status
- Active
- Location
- Edinburgh, Scotland
- Age
- 15 yrs · since 2011
- 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: “Payplan 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 2024 | 31 Dec 2025 |
|---|---|---|
| Disclosure | Full P&L | Full P&L |
| Profit & loss | ||
| Revenue (turnover) | £534k | £590k |
| Cost of sales | £168k | £179k |
| Gross profit | £366k | £411k |
| Profit before tax | £22.5k | £8.1k |
| Profit after tax | £23.8k | £8.4k |
| Profit (best available) | £23.8k | £8.4k |
| Employees (average) | 8 | 10 |
| Ratios | ||
| Profit margin | 4.5% | 1.4% |
| Gross margin | 68.5% | 69.7% |
| Revenue per employee | £66.8k | £59k |
| Profit per employee | £3k | £836 |
| Growth (year on year) | ||
| Revenue growth | — | ▲10.5% |
| Profit growth | — | ▼64.8% |
| Headcount growth | — | ▲25% |
| Balance sheet — indirect signals, not revenue | ||
| Cash at bank | £8.7k | £26.6k |
| Net assets | £198k | £206k |
| Current assets | £211k | £242k |
| Debtors | £175k | £212k |
| Source | FullAccounts · bulk data Jun 2026 | FullAccounts · bulk data Jun 2026 |
How the business works
- Profit margin
- 1.4%
- Profit ÷ revenue.
- Gross margin
- 69.7%
- Gross profit ÷ revenue. High for software and services.
- Revenue per employee
- £59k
- Revenue ÷ average employees.
- Profit per employee
- £836
- 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
- 35.9%
- 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
- ▲4%
- Now £206k
- Cash at bank
- ▲206%
- Now £26.6k
- Headcount
- ▲25%
- Now 10
- Deferred income
- —
- Now —
- Fixed assets
- —
- Now —
Group structure
Ownership chain
- Ravenco GP LLPultimate parent50–75%
- Ravenco 1 Limited75–100%
- Ravenco 2 Limited75–100%
- Ravenco 3 Limited75–100%
- Ravenco 4 Limited75–100%
- Payplan Group Limited75–100%
- Payplan Limited75–100%
- Payplan (Scotland) Limitedthis company
Bands show the share of ownership each company holds in the one below it.
Sister companies (5)
- Totemic LimitedRev. £26.3m · Profit £4.5m
- Payplan Partnership LimitedRev. £15.1m · Profit £3.4m
- Payplan (Iva) LimitedRev. £8.7m · Profit −£5.7m
- Payplan Bespoke Solutions LimitedRev. £5m · Profit £1.1m
- Payplan Solutions 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 £8.4k), from the Companies House accounts bulk data published Jun 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.