CASHBACK LTD

What CASHBACK LTD does

Cashback Limited is a privately held debt recovery agency founded in 1992 and headquartered in Jersey, Channel Islands. The company provides four integrated core services: debt collection (including proceedings through the Petty Debts and Royal Courts of Jersey and deed of assignment processing), credit checking on individuals and companies in the Channel Islands and the United Kingdom (delivered in partnership with Channel Island Data Service Limited in Guernsey), weekly subscription judgment reports from Petty Debts and Royal Court proceedings, and debtor tracing to locate individuals for recovery purposes. It claims to be the longest established debt recovery agency in Jersey under the same continuous management.

The business operates as a traditional professional services firm rather than a technology platform. No proprietary software, APIs, or digital tools are disclosed; service delivery is direct, human-led, and anchored in Jersey court expertise. Pricing is not publicly listed: debt collection charges are transaction-based fees payable by the creditor client, credit check costs are quoted on application, and judgment reports are sold as a weekly subscription. Marketing is limited to the company website (cashback-jersey.com), with client acquisition driven by direct phone and email contact rather than digital funnels.

The company is founder-owned and tightly held. Co-founder Margaret Vining serves as Managing Director after assuming the role on the retirement of co-founder Phil Boots in 2016; Jo Giles has been Financial Director since 1998. There are no institutional investors, no parent company, no subsidiaries, no funding rounds, and no disclosed total headcount beyond the two named executives. Geographic reach is the Channel Islands with credit check services extended into the United Kingdom, serving creditors, businesses, legal firms, and financial institutions.

Name

CASHBACK LTD

Legal name

Cashback Limited

Website

https://cashback-jersey.com

Company type

Private

Founded year

1992

Operating status

Operating

Short description

Cashback Limited is a Jersey-based debt recovery agency offering debt collection, credit checking, judgment reporting, and debtor tracing services to creditors, businesses, and legal firms in the Channel Islands and the United Kingdom.

Ownership category

akta.pro rank

Product category

Debt Collection Services

NAICS

Collection Agencies (56144), Collection Agencies (561440)

akta.pro primary industry

Debt Recovery & Asset Recovery (Repossession Coordination, Collateral Recovery) (BPAAAEAE)

Keywords

• Debt recovery services
• Credit checking
• Court judgment reports
• Debtor tracing
• Commercial collections

Headquarters

HQ city

Jersey

HQ country

Jersey

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D

Revenue model

1. Debt Collection Services: Collection fees are payable by the creditor client. Schedule of fees available upon request. Disbursement charges apply for irrecoverable judgments to cover costs incurred. Fees charged for time spent preparing Court documentation and mediation hearing appearances.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels1 record

Core offering

Cashback Limited provides debt recovery services for outstanding accounts in the Channel Islands, handling proceedings through the Petty Debts and Royal Courts of Jersey via deed of assignment. The company also offers credit checks on individuals and companies based in the Channel Islands and United Kingdom, weekly subscription-based judgment reports from Jersey courts, and debtor tracing services to locate individuals for debt recovery purposes.

Product overview

Cashback Limited operates as a single-service debt recovery agency offering four integrated core services: Debt Collection (recovery of outstanding accounts through Jersey courts), Credit Checking (credit reports via Channel Island Data Service), Judgment Reports (weekly updates on court judgments), and Debtor Tracing (locating debtors). The services work together to provide comprehensive debt recovery for clients in the Channel Islands.

Differentiator

Problem solved

Functional benefit

Products and services

• Debt Collection

Quantifiable outcome

• Judgments valid for ten years in Jersey with file retention
• +1 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Channel Island Data Service LimitedcoreTechnology or IntegrationCashback works closely with Channel Island Data Service Limited in Guernsey to obtain credit checks on individuals based in the Channel Islands and the United Kingdom. This partnership enables the company to provide comprehensive credit checking services to its clients.

Scale indicators2 records

Recent moves5 records

Expansion highlights2 records

Broad incumbents

• Experian: Global credit information and data services company. Comparable through the credit-checking dimension of Cashback's offering, but operates at massive scale across consumer and commercial credit, whereas Cashback resells Channel Islands data via a partner.

Direct peers

• Arrow Global Group: European credit management and debt purchase firm (now part of Paragon Banking Group). Comparable core offering in third-party debt collection, though with portfolio acquisition and pan-European scale that Cashback does not have.
• Rossendales (Rossendales Limited): UK debt recovery and enforcement services firm serving corporate, government, and private clients. Comparable as a third-party debt collection agency offering creditor-side recovery through both amicable and court-based processes similar to Cashback's Jersey model.
• Bristow & Sutor: UK enforcement and debt recovery services provider, including court-enforcement activity. Comparable in performing creditor-side debt recovery through formal court processes, similar in nature to Cashback's Petty Debts and Royal Court work in Jersey.
• Lowell Group: One of the largest UK debt collection and recovery firms, operating across consumer and commercial credit. Directly comparable to Cashback as a third-party debt collection agency, though at materially greater scale and broader UK/European footprint.
• Cabot Credit Management: UK-focused debt purchaser and collector (now under Marlin Equity). Comparable in offering the same end-to-end debt recovery and credit-management services as Cashback, but at significantly larger scale and with portfolio-acquisition capabilities Cashback does not have.
• PRA Group: US-listed global debt buyer and recovery services provider with UK operations. Directly comparable core service (third-party debt collection and portfolio recovery) but with a much larger balance-sheet-funded model and international footprint.
• Moorcroft Debt Recovery: UK debt recovery and enforcement services firm. Comparable as a third-party debt collection agency serving commercial and consumer creditors, with direct overlap on court-based recovery processes analogous to Cashback's Jersey court expertise.
• Robinson Way: UK debt collection and credit management firm serving banks, lenders, and utilities. Offers directly overlapping debt recovery services to creditors in a manner comparable to Cashback, though with broader UK scale and digital infrastructure.

Emerging players

• CreditSafe: Provider of business and consumer credit reports globally. Comparable through credit-checking services that overlap with Cashback's credit-checking product, but CreditSafe operates as a self-serve digital platform rather than a Channel-Islands-focused agency.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about CASHBACK LTD