Two people in iwoca T-shirts holding iwoca mugs, sitting on a sofa

Small-business lending / fintech · London, Greater London

iwoca

iwoca Ltd

Photo: iwoca.co.uk · © iwoca
Turnover up 56%Staff up 30%ActiveLatest figures: 2025Group consolidated15 years on the register

Online lender providing short-term loans and revolving credit to small businesses in the UK and Germany.

Headline figures

FY to Dec 2025 · Group consolidated

Turnover

For subscribers

Profit after tax

£85.1m

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
£20242025
Profit after tax£85.1m
Turnover
Net assets
Cash
Employees
Retained reserves

Every figure for all 2 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 sheet20242025
Ratios
Profit marginProfit after tax as a share of turnover
Return on equityProfit after tax as a share of net assets
Turnover per employeeTurnover divided by average staff

0 balance-sheet lines and 3 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 2026-10-12

  1. Accounts
    Group of companies' accounts made up to 31 December 2025
  2. Shares
    Statement of capital following an allotment of shares on 23 June 2026 GBP 12.8073
  3. Shares
    Statement of capital following an allotment of shares on 13 March 2026 GBP 12.807047
  4. Shares
    Replacement filing of SH01 - 05/08/25 Statement of Capital gbp 12.662252
  5. Filing
    Memorandum and Articles of Association
  6. Shares
    Resolutions RES11 ‐ Resolution of removal of pre-emption rights RES13 ‐ Re: disapplication of article 5 13/03/2026 RES10 ‐ Resolution of allotment of securitie…
  7. Charges
    Satisfaction of charge 077989250003 in full
  8. Charges
    Satisfaction of charge 077989250001 in full
  9. Charges
    Satisfaction of charge 077989250002 in full
  10. Shares
    Statement of capital following an allotment of shares on 10 February 2026 GBP 12.779539
  11. Directors
    Appointment of Joost Holleman as a director on 8 January 2026
  12. Shares
    Statement of capital following an allotment of shares on 21 January 2026 GBP 12.779371
  13. 7 earlier
    1. Filing
      Memorandum and Articles of Association
    2. Filing
      Resolutions RES01 ‐ Resolution of alteration of Articles of Association
    3. Directors
      Termination of appointment of Monish Suri as a director on 8 January 2026
    4. Shares
      Change of share class name or designation
    5. Shares
      Particulars of variation of rights attached to shares
    6. Shares
      Statement of capital following an allotment of shares on 7 November 2025 GBP 12.722858
    7. Shares
      Statement of capital following an allotment of shares on 17 September 2025 GBP 12.719954

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 iwoca do?

Online lender providing short-term loans and revolving credit to small businesses in the UK and Germany. In its own words: “Get a quick decision on iwoca business loans ranging from £1,000 to £1,000,000. Repay in 1 day to 5 years with no penalty for early repayment. Fast, flexible finance for UK businesses.”

›How much turnover does iwoca make?

Answered in the full report

›Is iwoca profitable?

Yes: it made a profit after tax of £85.1m in the year to 31 December 2025, its latest filed accounts.

›How many people work at iwoca?

Answered in the full report

›Who runs and owns iwoca?

Answered in the full report

›Where is iwoca based?

Its registered office is 10 Queen Street Place, London, United Kingdom, EC4R 1AG, in London, Greater London.

›When was iwoca founded?

iwoca Ltd was incorporated on 5 October 2011; the business dates from 2011.

›Is iwoca still trading?

The register lists iwoca Ltd as active.