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Factoring · Reading, Berkshire

Ecapital Commercial Finance (North)

Ecapital Commercial Finance (North) Limited

ActiveLatest figures: 2025Company only13 years on the register

Private limited company registered in Reading, classed under “Factoring”.

Headline figures

FY to Dec 2025 · Company only

Turnover

For subscribers

Profit after tax

£4.68m

Net assets

For subscribers

Cash

For subscribers

Employees

For subscribers

Retained reserves

For subscribers

What the numbers say

4 findings from the figures, in plain English

Written by rules from the figures on this page. Not a forecast or a credit opinion.

History

Pro
£20212022202320242025
Profit after tax£4.68m
Turnover
Net assets
Cash
Employees
Retained reserves
Dividends paid

Every figure for all 5 years

“—” means we did not find the figure in a source; it is never filled with an estimate.

Balance sheet and ratios

From the filed balance sheets · £

Balance sheet2022202320242025
Current assets
of which debtors
of which cash
Creditors due within a year
Net current assets
Net assets
Ratios
Profit marginProfit after tax as a share of turnover
Return on equityProfit after tax as a share of net assets
Dividends to profitDividends paid as a share of profit after tax, in a year with a profit
Current ratioCurrent assets for every £1 owed within a year
Cash ratioCash for every £1 owed within a year
Turnover per employeeTurnover divided by average staff
Debtor daysDays of turnover owed by customers at the year end

6 balance-sheet lines and 7 ratios, every year

A ratio appears only for years where every line it needs was filed. Lines are as tagged in the accounts; nothing is added up or estimated.

Timeline

Checked 2026-11-02

  1. Directors
    Appointment of Mr John Michael Stuart Nelson as a director on 28 August 2026
  2. Accounts
    Full accounts made up to 31 December 2025
  3. Directors
    Appointment of Mark Lawrence Finn as a director on 14 April 2026
  4. Directors
    Termination of appointment of Anthony Charles Persse as a director on 31 March 2026
  5. Directors
    Termination of appointment of Darren John Cottenden as a director on 7 November 2025
  6. Directors
    Appointment of Mr Anthony Charles Persse as a director on 16 May 2025
  7. Directors
    Appointment of Lisa Cleaver as a director on 16 May 2025
  8. Charges
    Registration of charge 085792410009, created on 30 April 2025
  9. Accounts
    Full accounts made up to 31 December 2024
  10. Directors
    Appointment of Mr Peter Dahill as a director on 16 October 2024
  11. Directors
    Termination of appointment of Cris Neely as a director on 21 August 2024
  12. Accounts
    Full accounts made up to 31 December 2023
  13. 26 earlier
    1. Directors
      Termination of appointment of Neal Errington as a director on 15 April 2024
    2. Directors
      Director's details changed for Anne Katherine Taylor on 21 June 2023
    3. Accounts
      Full accounts made up to 31 December 2022
    4. Ownership
      Change of details for Hamsard 3415 Limited as a person with significant control on 1 April 2022
    5. Charges
      Registration of charge 085792410008, created on 8 April 2022
    6. Name
      Certificate of change of name
    7. Accounts
      Full accounts made up to 31 December 2021
    8. Charges
      Registration of charge 085792410007, created on 23 December 2021
    9. Accounts
      Current accounting period extended from 30 June 2021 to 31 December 2021
    10. Directors
      Appointment of Mr Cris Neely as a director on 27 November 2020
    11. Directors
      Appointment of Mr John Stephen Mcdonald as a director on 27 November 2020
    12. Directors
      Termination of appointment of Guy Vernon Blackburn as a director on 27 November 2020
    13. Charges
      Satisfaction of charge 085792410004 in full
    14. Accounts
      Accounts for a small company made up to 30 June 2020
    15. Directors
      Termination of appointment of Jonathan David Leigh Gregory as a director on 30 June 2020
    16. Directors
      Appointment of Mr Guy Vernon Blackburn as a director on 30 June 2020
    17. Accounts
      Accounts for a small company made up to 30 June 2019
    18. Directors
      Appointment of Mrs Anne Katherine Taylor as a director on 28 October 2019
    19. Charges
      Registration of charge 085792410006, created on 20 December 2018
    20. Accounts
      Accounts for a small company made up to 30 June 2018
    21. Charges
      Registration of charge 085792410005, created on 16 July 2018
    22. Filing
      Resolutions (and 2 more like it since 13 August 2014)
    23. Name
      Change of name notice
    24. Accounts
      Accounts for a small company made up to 30 June 2017
    25. Ownership
      Notification of Hamsard 3415 Limited as a person with significant control on 11 November 2016
    26. Directors
      Appointment of Speafi Secretarial Limited as a secretary on 30 November 2016

From the Companies House filing history. Routine confirmation statements are left out, and a run of the same filing is shown once.

Questions people ask

›What does Ecapital Commercial Finance (North) do?

Private limited company registered in Reading, classed under “Factoring”. In its own words: “eCapital provides invoice factoring and commercial finance solutions that help businesses unlock working capital, improve cash flow, and grow.”

›How much turnover does Ecapital Commercial Finance (North) make?

Answered in the full report

›Is Ecapital Commercial Finance (North) profitable?

Yes: it made a profit after tax of £4.68m in the year to 31 December 2025, its latest filed accounts.

›How many people work at Ecapital Commercial Finance (North)?

Answered in the full report

›Who runs and owns Ecapital Commercial Finance (North)?

Its directors are Speafi Secretarial Limited, Lisa Marie Cleaver, Peter Dahill, Mark Lawrence Finn, John Stephen McDonald and 3 more. Its owners are shown to subscribers.

›Where is Ecapital Commercial Finance (North) based?

Its registered office is 1 London Street, Reading, Berkshire, RG1 4PN, in Reading, Berkshire.

›When was Ecapital Commercial Finance (North) founded?

Ecapital Commercial Finance (North) Limited was incorporated on 21 June 2013.

›Is Ecapital Commercial Finance (North) still trading?

The register lists Ecapital Commercial Finance (North) Limited as active.

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