EVOLUTION LENDING LIMITED

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

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.

1. EVOLUTION LENDING LIMITED 2016-01-05 → present
2. EVOLUTION BANKING LIMITED 2007-05-31 → 2016-01-05
3. BEALAW (MAN) 37 LIMITED 2007-02-19 → 2007-05-31

Accounting basis

FRS 102

Reporting scope

Standalone (parent only)

Auditor

Deloitte LLP

Audit opinion

Unqualified (clean)

Going concern

Affirmed

“Having considered the impact of the factors outlined below, including economic uncertainty and liquidity requirements, the Directors expect that the Company will continue to trade for a period of at least twelve months from the date of approval of the financial statements and will be able to meet its liabilities as they fall due. Accordingly, the financial statements have been prepared on a going concern basis of accounting.”

Significant events

• “In July 2022, the Company (via a Special Purpose Vehicle) successfully refinanced its existing facilities into a 2-year warehouse facility (private securitisation), increasing the overall access to funding to a maximum of £280m. This facility was further refinanced and extended in May 2024, increasing the limit to £285m with an additional extension in May 2025 to £400m. The facility has a final maturity date of May 2029.”
• “Since March 2026, the Company is monitoring whether there are any indications of impacts to its customers or the broader economy from the conflict in the Middle East that may impact upon inflation / affordability.”
• “The Group will continue to invest in technology to improve services for both new and existing customers, with significant investment made in the year on improving the digital customer journey. This will improve customer outcomes and provide more opportunity for the Group.”
• “The Company recognised a post-model adjustment (PMA) to reflect the increased credit risk arising from a deterioration in borrowers' affordability since loan origination. This deterioration is attributable to the current adverse economic environment, including the impacts of the war in Iran that began in March 2026, and is not yet evidenced in reported arrears or reflected in business-as-usual (BAU) behavioural models and roll rates.”

Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers

Filings

4

last 12 months

Capital events

0

last 24 months

Officers appointed

0

last 12 months

Officers resigned

1

last 12 months

Direct counts from the register. No score, no rating — see the Filing timeline for the underlying events.