CLEARPAY FINANCE LIMITED
Get an alert when CLEARPAY FINANCE LIMITED files next
Leroy will email you the moment a new filing lands at Companies House — one short note per filing, nothing else.
Cash
£53m
+37.5% vs 2024
Net assets
£146m
+296.7% highest in 3 filed years
Employees
82
-12.8% lowest in 3 filed years
Profit before tax
£3.8m
-90.6% lowest in 3 filed years
Net assets
3-year trend · vs Financials median
Accounts
3-year trend · Δ = latest vs prior filed period · latest reflected 2025-12-31
| Metric | Trend | 2023-12-31 | 2024-12-31 | 2025-12-31 | Δ vs prior |
|---|---|---|---|---|---|
| Turnover | £103,754,176 | £146,752,698 | £174,751,980 | +19.1% | |
| Operating profit | £11,425,219 | £40,551,519 | £3,803,935 | -90.6% | |
| Profit before tax | £11,425,219 | £40,551,519 | £3,803,935 | -90.6% | |
| Net profit | £8,708,002 | £29,777,509 | £2,588,417 | -91.3% | |
| Cash | £70,126,535 | £38,230,323 | £52,567,326 | +37.5% | |
| Total assets less current liabilities | — | £139,966,797 | £146,146,456 | +4.4% | |
| Net assets | £5,925,972 | £36,838,261 | £146,146,456 | +296.7% | |
| Equity | £5,925,972 | £36,838,261 | £146,146,456 | +296.7% | |
| Average employees | 111 | 94 | 82 | -12.8% | |
| Wages | £9,020,797 | £8,166,184 | £7,670,684 | -6.1% | |
| Directors' remuneration | £43,643 | £20,388 | £182,942 | +797.3% |
Values shown as filed in the company's annual accounts. — indicates the figure wasn't present under that line item in that period. The Δ column is the change from the prior filed period as a percentage of |prior|; lines a company doesn't report show —. About these numbers
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|
| Operating margin | 11.0% | 27.6% | 2.2% | |
| Net margin | 8.4% | 20.3% | 1.5% | |
| Return on capital employed | — | 29.0% | 2.6% | |
| Gearing (liabilities / total assets) | 98.3% | 90.4% | 64.6% | |
| Current ratio | 1.42x | 1.55x | 1.51x | |
| Interest cover | 0.87x | 2.81x | 0.42x |
Margins divide P&L lines by turnover. Gearing is liabilities over total assets. Current ratio is current assets over creditors falling due within one year. Interest cover is operating profit over absolute finance costs. Sector-distribution context coming next.
Name history
Renamed 1 time since incorporation
- CLEARPAY FINANCE LIMITED 2017-11-07 → present
- SMARTCHECK LIMITED 2004-08-05 → 2017-11-07
Audit & accounting basis
- Accounting basis
- FRS 101
- Reporting scope
- Standalone (parent only)
- Auditor
- Ernst & Young, Chartered Accountants
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The financial statements have been prepared on a going concern basis which the directors consider to be appropriate... The Company's Ultimate Parent company, Block, has agreed to provide financial support for at least the next 12 months... The directors have identified no material uncertainties that cast doubt on the Company's ability to continue as a going concern.”
Group structure
- CLEARPAY FINANCE LIMITED · parent
- Clearpay Receivables Warehouse 2020-1 Limited 100%
- Clearpay Receivables Warehouse 2020-2 Limited 100%
Significant events
- “In March 2026, the Company received a non-cash capital contribution of £56,536,855 from its Immediate Parent to settle amounts owed to a group undertaking of Block.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
3 active · 25 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| BAYER, Richard | Director | 2022-02-01 | Aug 1967 | American |
| HATTON, Lee Alexandra | Director | 2025-11-17 | Sep 1975 | New Zealander |
| JONES, Keith John | Director | 2025-12-01 | Jul 1964 | British |
Show 25 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| DWYER, Daniel John | Secretary | 2004-08-05 | 2004-08-05 |
| HALTON, Gary Robert | Secretary | 2013-07-16 | 2018-08-23 |
| DWF SECRETARIAL SERVICES LIMITED | Corporate Secretary | 2004-08-05 | 2008-05-30 |
| AZALDE, Victoria | Director | 2023-02-28 | 2025-05-26 |
| BAUM, Anthony | Director | 2013-02-19 | 2014-03-31 |
| DOHERTY, Daniel | Director | 2021-04-12 | 2022-09-02 |
| DWYER, Daniel James | Director | 2004-08-05 | 2004-08-05 |
| EISEN, Anthony Mathew | Director | 2018-08-23 | 2022-02-01 |
| ELLIS, Sam Oliver | Director | 2021-04-12 | 2022-09-30 |
| GRIMES, Gerald Michael | Director | 2017-07-06 | 2018-01-03 |
| HALTON, Gary Robert | Director | 2017-07-18 | 2018-08-23 |
| HALTON, Gary Robert | Director | 2014-03-31 | 2014-03-31 |
| HANCOCK, David | Director | 2018-08-23 | 2019-10-08 |
| JONES, Keith John | Director | 2014-02-01 | 2017-07-01 |
| LOWDE, Rebecca Lynne | Director | 2021-04-12 | 2022-02-01 |
| MOLNAR, Nick | Director | 2018-08-23 | 2021-04-12 |
| MONTARELLO, Natale Ronald | Director | 2018-06-11 | 2022-01-14 |
| MONTARELLO, Natale Ronald | Director | 2004-08-05 | 2017-07-18 |
| NORDA, Sejal | Director | 2022-09-22 | 2023-03-03 |
| ODES, Barry | Director | 2019-11-15 | 2020-12-03 |
| ODES, Barry | Director | 2018-08-23 | 2019-06-29 |
| PENGLIS, Steven | Director | 2004-08-05 | 2013-02-19 |
| SCHEIBLE, Carl | Director | 2019-06-29 | 2021-03-31 |
| SOLH, Crissy Mouna | Director | 2022-12-13 | 2025-11-17 |
| STEVENS, Alistair | Director | 2013-02-19 | 2013-12-12 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Block, Inc. | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2022-02-01 | Active |
| Afterpay Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2018-08-23 | Ceased 2022-02-01 |
| Thinksmart Europe Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors, Significant influence | 2016-04-06 | Ceased 2018-08-23 |
Filing timeline
Last 20 of 143 total filings
Material constitutional events — rename, articles re-file, resolution
- 2026-04-23 RESOLUTIONS Resolution
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-07-28 | AA | accounts | Accounts with accounts type full | |
| 2026-04-23 | RESOLUTIONS | resolution | Resolution | |
| 2026-04-08 | SH01 | capital | Capital allotment shares | |
| 2026-03-12 | CH01 | officers | Change person director company with change date | |
| 2026-03-04 | CH01 | officers | Change person director company with change date | |
| 2026-01-22 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2025-12-02 | AP01 | officers | Appoint person director company with name date | |
| 2025-11-17 | AP01 | officers | Appoint person director company with name date | |
| 2025-11-17 | TM01 | officers | Termination director company with name termination date | |
| 2025-07-23 | SH01 | capital | Capital allotment shares | |
| 2025-07-21 | AA | accounts | Accounts with accounts type full | |
| 2025-07-09 | TM01 | officers | Termination director company with name termination date | |
| 2025-03-20 | PSC05 | persons-with-significant-control | Change to a person with significant control | |
| 2025-01-31 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2024-11-18 | AA | accounts | Accounts with accounts type full | |
| 2024-05-02 | PSC05 | persons-with-significant-control | Change to a person with significant control | |
| 2024-04-30 | PSC05 | persons-with-significant-control | Change to a person with significant control | |
| 2024-01-18 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2023-12-16 | DISS40 | gazette | Gazette filings brought up to date | |
| 2023-12-15 | AA | accounts | Accounts with accounts type full |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 9
- Capital events
- 2
- Officers appointed
- 2
- Officers resigned
- 1
last 12 months
last 24 months
last 12 months
last 12 months
Direct counts from the register. No score, no rating — see the Filing timeline for the underlying events.