Compass UK Topco Limited
Private Limited Company · Eastleigh
ActiveUnited KingdomIncorporated 2020Private Limited Company
Financial position
Accounts to 2025-12-31 · EUR · Group accounts
Net assets
—
Cash
EUR 5,682,143
Turnover
—
Profit / loss
−EUR 27,392,180
Current assets
EUR 19,198,591
Creditors < 1 year
EUR 21,074,900
Equity
−EUR 129,655,460
Average employees
492
Balance-sheet trend
EUR · consolidatedFinancial statements
Selected figures from the best-ranked available filing for each period. Missing values remain unknown.
Some figures were read by AI from scanned accounts, so small errors are possible. View the filed accounts
| Reported figures | 2025-12-3112 months · Group · AI-read | 2024-12-31Group · AI-read |
|---|---|---|
| Balance sheet | ||
| Equity | −EUR 129,655,460 | −EUR 99,760,996 |
| Share capital | EUR 298,859 | EUR 298,859 |
| Retained earnings | −EUR 139,106,435 | −EUR 110,907,003 |
| Assets | ||
| Fixed assets | EUR 98,095,272 | EUR 106,754,475 |
| Property, plant & equipment | EUR 1,602,790 | EUR 2,052,592 |
| Current assets | EUR 19,198,591 | EUR 20,084,051 |
| Cash at bank | EUR 5,682,143 | EUR 6,108,167 |
| Debtors | EUR 13,513,194 | EUR 13,974,898 |
| Stock | EUR 3,254 | EUR 986 |
| Liabilities | ||
| Creditors | EUR 246,949,323 | EUR 226,599,522 |
| Creditors within one year | EUR 21,074,900 | EUR 19,599,062 |
| Creditors after one year | EUR 225,874,423 | EUR 207,000,460 |
| Profit & loss | ||
| Interest payable | EUR 20,655,159 | EUR 20,397,659 |
| Profit / loss | −EUR 27,392,180 | −EUR 18,734,930 |
| Operating costs | ||
| Audit fees | EUR 372,949 | EUR 313,894 |
| People & pay | ||
| Average employees | 492 | 448 |
| Staff costs | EUR 22,778,118 | EUR 20,756,148 |
| Wages & salaries | EUR 21,120,907 | EUR 19,876,726 |
| Social security costs | EUR 3,985,407 | EUR 3,697,002 |
| Pension costs | EUR 351,779 | EUR 145,645 |
| Directors' remuneration | EUR 808,200 | EUR 884,277 |
| Highest paid director | EUR 535,347 | EUR 619,185 |
| Source evidence | View filing | View filing |
From the accounts
What the accounts for 2025-12-31 say about themselves, read by AI from the scanned filing.
- Principal activity
- The Company operates as the UK parent undertaking of the Creditinfo Group, a leading provider of credit information and risk management solutions operating across more than 25 high-growth markets in Europe and Africa.
- What it does
- credit information · risk management solutions · credit reports · value added products · decision analytics · software implementation · maintenance (AI keywords)
- The year
- For the year ended 31 December 2025, the Group's revenues were €55.6m (2024: €51.8m), comprising income from credit reports, value added products and software implementation and maintenance service. The increase in revenue is mainly driven by the development of the Group's value-added products and the continued growth in credit bureau operations. Its EBITDA for the year was €10.5m (2024: €12.4m) driven mainly by the increase in costs notably advisory fees to support 2025/2026 acquisitions.
- Outlook
- The group's core strategy in 2026 remains the same as in 2025 with the development of value-added products through constant innovation and data assets enrichment. With the launch of new growth initiatives developed in 2025, notably the development of a Business Information activity in Africa, the launch of new Fraud & ID offerings and new ESG Platform, the group will reinforce its focus on growth and cash generation in 2026 and 2027.
- Auditor
- Grant Thornton UK LLP · senior statutory auditor Bhargav Narayanan
- Audit opinion
- Clean (unmodified)
- Immediate parent
- Compass UK Topco Limited
- Ultimate parent
- Levine Leichtman Capital Partners Europe II · California, USA
- Ultimate controlling party
- Arthur E. Levine and Lauren B. Leichtman
- Accounts
- Full accounts · IFRS
- Approved
- 2026-07-30, signed by Satrajit Saha
Subsidiaries (3)
- UAB “Scorify” · 100% indirect · Konstitucijos ave. 12, 09308 Vilnius, the Republic of Lithuania · Software analytics
- Information Management AS · 100% indirect · Tatari 1 Tallinn 10116, Estonia · Credit Bureau
- Creditinfo Central Africa · 100% direct · 2eme Etage, sis au 310, Rue 1239 (ex Rue Toyota) – BP3601 Douala – Bonapriso, Cameroun · Holding Company
Turnover by segment (22)
- Credit Reports: 33,416,363 (2025-12-31)
- Value Added Products: 11,615,692 (2025-12-31)
- Decision Analytics: 4,881,111 (2025-12-31)
- Software Implementation and Migration: 1,898,390 (2025-12-31)
- Maintenance: 3,407,767 (2025-12-31)
- Other revenues: 374,081 (2025-12-31)
- Nordics: 30,874,450 (2025-12-31)
- West Africa: 7,463,796 (2025-12-31)
- East Africa: 6,851,303 (2025-12-31)
- Central and Southern Europe: 6,359,752 (2025-12-31)
- Rest of the World: 4,044,103 (2025-12-31)
- Credit Reports: 30,006,291 (2024-12-31)
- Value Added Products: 11,326,728 (2024-12-31)
- Decision Analytics: 3,865,245 (2024-12-31)
- Software Implementation and Migration: 1,445,981 (2024-12-31)
- Maintenance: 4,741,471 (2024-12-31)
- Other revenues: 414,049 (2024-12-31)
- Nordics: 28,862,546 (2024-12-31)
- West Africa: 7,211,492 (2024-12-31)
- East Africa: 6,218,261 (2024-12-31)
- Central and Southern Europe: 4,667,974 (2024-12-31)
- Rest of the World: 4,839,492 (2024-12-31)
Borrowings (4)
- Term Loan B facility · €21,000,000 · 4.75% plus EURIBOR · Maturing in 2030 · secured on Fixed and floating charges on the assets of Compass UK Bidco Limited and Compass UK Holdco Limited in favour of GLAS Trust Corporation Limited as security agent
- Term Loan C (TLC) facility · €29,000,000 · 5.25% plus EURIBOR · Maturing in 2031 · secured on Fixed and floating charges on the assets of Compass UK Bidco Limited and Compass UK Holdco Limited in favour of GLAS Trust Corporation Limited as security agent
- RCF · €6,000,000, of which €4,000,000 was drawn at 31 December 2025 · 4.5% plus EURIBOR · Maturity date of 2030 · secured on Fixed and floating charges on the assets of Compass UK Bidco Limited and Compass UK Holdco Limited in favour of GLAS Trust Corporation Limited as security agent
- Additional Term Facility · from HSBC · €3,000,000 · 5.25% plus EURIBOR · On similar terms to the TLC · secured on Fixed and floating charges on the assets of Compass UK Bidco Limited and Compass UK Holdco Limited in favour of GLAS Trust Corporation Limited as security agent
Acquisitions (1)
- Everydata Group Ltd · 100% · 2026-06-30 · €8.5m ($10m)
Share classes (1)
- 288,590 C shares
Principal risks (4)
- foreign currency risk
- interest rate risk
- liquidity risk
- credit risk
Events after the year end (2)
- On 5 November 2025, the Group entered into a share purchase agreement to acquire 100% of the issued share capital of Everydata Group Ltd for an initial gross purchase price of €8.5m ($10m), plus a working capital adjustment and an earn-out payment, both to be calculated in accordance with the relevant schedules to the SPA.
- Subsequent to the reporting date, on 30 June 2026, the Group obtained the necessary regulatory approval for the acquisition and the transaction completed on the same date. It has been accounted for as a non-adjusting event.
Secured borrowing
Registered charges, lenders and security interests.
Charges and related records
1 outstanding chargesAll Assets · created 2021-03-05
—
Outstanding