EVERYDAY LENDING LIMITED
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Cash
—
Latest balance sheet
Net assets
-£35M
+28.6% highest in 3 filed years
Employees
536
-6.5% lowest in 3 filed years
Profit before tax
-£6.8M
-72.6% vs 2024
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
Negative shareholders' funds
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 |
|---|---|---|---|---|---|
| Net interest income | — | £84,701,000 | £85,335,000 | +0.7% | |
| Fee & commission income | — | — | — | — | |
| Operating income | — | — | — | — | |
| Impairment losses | — | £38,515,000 | £42,274,000 | +9.8% | |
| Profit before tax | — | -£3,966,000 | -£6,845,000 | -72.6% | |
| Net profit | -£6,097,000 | -£3,719,000 | £14,165,000 | +480.9% | |
| Loans & advances to customers | — | £210,823,000 | £240,808,000 | +14.2% | |
| Customer deposits | — | — | — | — | |
| Total assets | £240,941,000 | £244,363,000 | £281,934,000 | +15.4% | |
| Total liabilities | — | £293,889,000 | £317,295,000 | +8% | |
| Equity | -£45,892,000 | -£49,526,000 | -£35,361,000 | +28.6% | |
| Average employees | 596 | 573 | 536 | -6.5% |
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 |
|---|---|---|---|---|
| Net margin | -6.2% | -3.4% | — | |
| Gearing (liabilities / total assets) | 119.0% | 120.3% | 112.5% | |
| Current ratio | 0.39x | 0.39x | — |
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.
Audit & accounting basis
- Accounting basis
- IFRS
- Reporting scope
- Standalone (parent only)
- Auditor
- PKF Littlejohn LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“Given the strong balance sheet and funding position the Directors have a reasonable expectation that the Group and Company have sufficient liquidity to continue to operate for the foreseeable future. Therefore, a going concern basis has been adopted in the preparation of the financial statements.”
Significant events
- “Partnerships with like-minded organisations such as Credit Ladder Limited (Credit Ladder) to make rental payment reporting to CRAS accessible to Evlo customers, thereby building their credit profile over time, which was announced in February 2026.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
4 active · 32 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| DOHERTY, John | Secretary | 2024-07-17 | — | — |
| GAGIE, David Ronald | Director | 2023-11-20 | Feb 1955 | British |
| GILLESPIE, Jonathan Richard | Director | 2019-12-17 | Nov 1972 | British |
| PEARSON, Christopher John | Director | 2023-02-01 | Jun 1982 | British |
Show 32 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| ANDERSON, Christopher Geoffrey | Secretary | 2013-10-01 | 2016-07-28 |
| ANDERSON, Christopher | Secretary | 2006-07-06 | 2008-11-30 |
| HOLE, Jonathan | Secretary | 2017-12-01 | 2019-01-04 |
| MALONE, Daniel Martin | Secretary | 2012-11-01 | 2013-09-30 |
| NORRIS, Charlotte Anne | Secretary | 2022-10-04 | 2024-03-28 |
| PATEL, Reena | Secretary | 2019-01-23 | 2022-08-12 |
| PETERS, Sheila | Secretary | 2006-06-19 | 2006-07-06 |
| WAXLER, Raquel | Secretary | 2008-12-01 | 2012-10-31 |
| WHITE, Steven Douglas | Secretary | 2016-07-28 | 2017-12-01 |
| ALLY, Bibi Rahima | Director | 2006-06-19 | 2006-07-06 |
| ANDERSON, Christopher Geoffrey | Director | 2013-07-15 | 2016-08-02 |
| BOVINGTON, Jason | Director | 2022-10-04 | 2024-02-20 |
| BOWERS, Jonathan Miles | Director | 2012-06-08 | 2016-04-13 |
| CRESSWELL-TURNER, Miles Marius | Director | 2016-04-13 | 2019-10-21 |
| CUTTER, Christian | Director | 2022-10-04 | 2024-12-18 |
| DAY, Sarah Louise | Director | 2022-07-19 | 2025-11-14 |
| DE BLOCQ VAN KUFFELER, John Philip | Director | 2020-05-19 | 2021-08-31 |
| FLINT, Mareena | Director | 2019-05-01 | 2021-07-15 |
| FORSYTH, Andrew James | Director | 2021-03-26 | 2023-11-07 |
| GILL, Paul | Director | 2019-01-23 | 2022-03-31 |
| GREGSON, Charles Henry | Director | 2022-07-19 | 2023-06-23 |
| HERRATT, Francesca | Director | 2019-05-01 | 2020-12-16 |
| HOWELLS, Marc Richard | Director | 2018-10-17 | 2019-10-01 |
| JOSEPH, Serena Mary | Director | 2024-09-02 | 2026-05-15 |
| MALONE, Daniel Martin | Director | 2006-07-06 | 2017-05-12 |
| MARROW, Paul | Director | 2012-06-08 | 2016-04-13 |
| REYNOLDS, Peter Forbes Michael | Director | 2017-10-02 | 2022-05-06 |
| RIDLINGTON, Mark Edward | Director | 2006-07-06 | 2017-05-31 |
| TEUNON, Nicholas John | Director | 2016-04-13 | 2020-04-30 |
| WHITE, Steven Douglas | Director | 2016-07-28 | 2020-10-31 |
| WIGGINS, Jonathan Christopher | Director | 2017-06-01 | 2022-06-24 |
| WILLIAMS, Terence Ivan | Director | 2006-07-06 | 2013-07-01 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Everyday Loans Limited | Corporate entity | Shares 75–100%, Voting 75–100% | 2017-06-19 | Active |
Filing timeline
Last 20 of 183 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-05-29 | TM01 | officers | Termination director company with name termination date | |
| 2026-05-14 | AA | accounts | Accounts with accounts type full | |
| 2026-05-01 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2026-02-02 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2025-12-17 | AD01 | address | Change registered office address company with date old address new address | |
| 2025-11-22 | TM01 | officers | Termination director company with name termination date | |
| 2025-11-06 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2025-08-01 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2025-07-02 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2025-06-03 | CH01 | officers | Change person director company with change date | |
| 2025-06-03 | PSC05 | persons-with-significant-control | Change to a person with significant control | |
| 2025-06-03 | AD01 | address | Change registered office address company with date old address new address | |
| 2025-05-09 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2025-04-25 | AA | accounts | Accounts with accounts type full | |
| 2025-02-06 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2024-12-19 | TM01 | officers | Termination director company with name termination date | |
| 2024-12-16 | CH01 | officers | Change person director company with change date | |
| 2024-11-07 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2024-09-05 | AP01 | officers | Appoint person director company with name date | |
| 2024-08-09 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 9
- Capital events
- 0
- Officers appointed
- 0
- Officers resigned
- 2
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.