JAJA FINANCE LTD
Company number 09797750 · Monitor this company
Executive summary
JAJA Finance is a digital-first credit card challenger positioned at an inflection point—having proven its operational capability through portfolio migration and servicing, it now must execute on proprietary origination to transform from a capital-consuming servicer into a self-sustaining issuer. The £120m parent company subscription agreement and FCA change-of-control approval provide a critical capital foundation, but the path to profitability remains uncertain given accelerating losses and deeply negative equity. Strategic success hinges on three interdependent factors: disciplined origination launch, credit risk management at scale, and securing sustainable funding structures beyond parental equity support.
Shareholders' funds
-£44,204,379
Balance sheet as at 2021-12-31
What it does
credit card services provider
The company's own description, from its latest filed accounts.
Overview
- Company type
- Private Limited Company
- Incorporated
- 2015-09-28
- Employees
- 108 (2021 accounts · was 55 in 2020)
- Registered office
- 27 Old Gloucester Street, Holborn, London, England, WC1N 3AX
- Postcode
- WC1N 3AX
- Capital
- 1 GBP
- Accounts category
- Full
- Charges
- 0 outstanding
Accounts
- Last made up to
- 2025-12-31
- Next due by
- 2027-09-30
- Financial year end
- 31 December
Confirmation statement
- Last statement dated
- 2025-12-02
- Next due by
- 2026-12-16
Nature of business (SIC)
- 62012 Business and domestic software development
- 64921 Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors
Officers 7 current · 14 resigned
Group structure
Controlled by JAJA FINANCE HOLDING (UK) LIMITED — since 2019-06-27
From persons-with-significant-control filings on the public register.
Licensed visa sponsor
Licensed by the Home Office to sponsor worker visas: Skilled Worker (Worker (A rating)).
Matched by registered name to the register of licensed sponsors (Home Office, updated daily) — check the register itself before relying on it. Contains public sector information licensed under the Open Government Licence v3.0.
Contact details
- Website
- jaja.co.uk
- Phone
- 03300247574, 03456076500, 08443350550
Jaja is on a mission to make credit simple. Our mobile-first credit card is changing the way people access, spend and manage money. To experience the next generation credit card, request your invitation today.
Previous company names
| Name | Date changed |
|---|---|
| FMB DEVELOPMENT LTD | 2016-10-31 |
Previous registered addresses 4
| Address | Changed on |
|---|---|
| 3 VALENTINE PLACE 3RD FLOOR, 3 VALENTINE PLACE, LONDON, SE1 8QH, ENGLAND | 2019-11-12 |
| CAPITAL TOWER 91 WATERLOO ROAD, LONDON, SE1 8RT, ENGLAND | 2019-01-03 |
| 1 CANADA SQUARE, LEVEL 39, LONDON, E14 5AB, ENGLAND | 2017-03-22 |
| 20-22 WENLOCK ROAD, LONDON, N1 7GU, ENGLAND | 2015-12-07 |
Among its peers
Among the biggest employers
of 1,719 similar companies in WC, with 108 staff. Among the oldest 25% of its local peers.
Competitors London
-
2. ROSSUM LTD
This company ranks 3248 among business and domestic software development in London.
The class of 2015
34%
of the 5,118 companies in this sector incorporated in 2015 are still active today; 62% have since been dissolved.
A fact about the year, not a forecast for this company.
This company's registered activities are in financial services. If it carries on regulated business, it should appear on the FCA's Financial Services Register — the official record of authorised firms.