Report results - SME Climate Hub

Everyday People Financial Solutions Limited's Climate Report

Submitted on 2026-10-21 · Edited on 2026-10-21

1.1 End day of the reporting period*

2025-12-31

1.1.1 Reporting year*

2025

1.2 Describe your business activities*

EP Financial Solutions provides professional debt collection services and debt recovery solutions for trusted brands across the UK. Our clients turn to us to help their customers when they fall into arrears, ensuring fair and effective resolution of outstanding debts. We work with people experiencing financial difficulty to deliver compassionate, affordable, and sustainable debt repayment solutions. Our approach is simple: listen first, never judge, and create realistic, tailored repayment plans that work for everyone. As an FCA-authorised and regulated organisation, we offer outsourced omni-channel contact centre services, contingent debt collection, and digital debt recovery communications through our proprietary platform, RISE.

1.4 Number of employees on the end day of the reporting period*

185.56

1.4.1 Full-time equivalent (FTE) or headcounts*

Full-time equivalent

1.5 Is this report being submitted on behalf of a parent company or a subsidiary? If so, please briefly explain the relationship.*

Not applicable

1.5.1 Please explain the relationship*

2.1 Net zero target year*

2040

2.1.1 Base year*

2024

2.1.2 Base year value*

309.14

Base year value confirmation*

I confirm that I have entered my base year value in metric tons CO2e

2.2 Near-term target*

50% of intensity scope 1+2+3 emission reduction from my base year by 2027

2.3 Provide any additional comments or context on your net zero and near term targets.*

We will reduce our Carbon impact in terms of Co2 tonnes produced from key sources such as Business Travel, Electricity Consumption, and emissions. Our measurements are based on tCO₂e per employee FTE per year.

2.4 To reduce emissions in line with my commitment, my company has a climate action plan and is taking action*

Yes, the plan and action include all scope 1+2+3

Energy consumption

3.2 Total energy consumption*

68.98 kWh

3.3 Total renewable energy consumption*

44.15 kWh

Scope 1 emissions

3.4 Scope 1 emissions*

31.46 metric tons CO2e

Scope 2 emissions

3.5 Location-based Scope 2 emissions*

37.52 metric tons CO2e

3.6 Market-based Scope 2 emissions*

Scope 1 and 2 units confirmation*

I confirm that I have entered all Scope 1 and 2 emissions values in metric tons CO2e

3.7 Have you taken any actions to reduce Scope 1 and 2 emissions in the reporting period?*

Yes

3.7.1 What actions have you taken?*

Climate strategy and planning, Energy efficient buildings and offices

3.7.2 Describe your actions taken to reduce Scope 1 and 2 emissions in the reporting period*

Optimising office space to align with our hybrid working model and educating our staff to encourage energy savings practices.

3.8 Which tools or methods did you use to calculate your Scope 1 and 2 emissions?*

Own internal calculations

3.8.1 Specify any additional details*

Royal Bank Carbon Planner

Scope 3 emissions

4.1 Have you measured any of your scope 3 emissions?*

Yes

Supply chain related - upstream emissions

4.1.1 Purchased goods and services*

99.94 metric tons CO2e

4.1.2 Capital goods*

4.1.3 Fuel and energy related activities*

4.1.4 Transportation and distribution (upstream)*

4.1.5 Waste in operations*

0.93 metric tons CO2e

4.1.6 Business travel*

2.65 metric tons CO2e

4.1.7 Employee commuting*

145.76 metric tons CO2e

4.1.8 Leased assets (upstream)*

Customer related - downstream emissions

4.1.9 Transportation and distribution (downstream)*

4.1.10 Processing of sold products*

4.1.11 Use of sold products*

4.1.12 End-of-life treatment of products*

4.1.13 Leased assets (downstream)*

4.1.14 Franchises*

4.1.15 Investments*

4.1.16 Total scope 3 emissions*

249.3 metric tons CO2e

Scope 3 units confirmation*

I confirm that I have entered all Scope 3 emissions values in metric tons CO2e

4.2 Have you taken any actions to reduce scope 3 emissions in the reporting period?*

Yes

4.2.1 What actions have you taken to reduce scope 3 emissions in the reporting period?*

Business travel and commuting, Supply chain engagement, Product/service design innovation, Digital and technology-enabled solutions

4.2.2 Provide any additional details*

Conscious travel arrangements, car share, hybrid working model, and conscious flight or rail travel to minimise the environmental impact of transport usage while carrying out business activities. Increased our use of our RISE digital solution, including PDF letter delivery,over traditional physical mail fulfillment.

4.3 Have you asked any of your suppliers to set a net zero target (either voluntarily or as a requirement)?*

4.3.1 What percentage of your suppliers have you asked?*

4.4 Have you communicated your commitment and actions to any of your customers?*

Yes

4.5 Which tools or methods did you use to calculate your scope 3 emissions?*

Other calculator (please specify)

4.5.1 Specify additional details*

Royal Bank Carbon Planner

5.1 Do any of your existing products and/or services qualify as climate solutions or enabling solutions?*

5.2 Please confirm your solutions meet all the following safeguard requirements.*

What percentage of your total revenue came from these products and/or services last year?*

5.4 Provide descriptions/names of your solutions:*

5.5 How did you assess whether these are climate solutions?*

5.5.1 Has any third party validated this?*

5.5.2 Specify any additional details*

6.1 What governance processes do you have in place for your climate strategy? Choose as many as are applicable.*

Governance process in place, Person is responsible for climate strategy at board level

6.1 Explain*

6.1.1 Please describe their position and responsibility.*

The Executive Director is responsible for overseeing the implementation of the Environmental Policy and ensuring that environmental considerations are incorporated into business operations and decision-making. Key responsibilities include: Ensuring compliance with applicable environmental legislation and exceeding legal requirements where practicable. Minimising the use of environmentally damaging substances, materials and processes. Reducing waste generation through waste minimisation, reuse and recycling. Minimising the environmental impact of business travel and transport. Promoting increased automation and electronic data retention to reduce paper consumption. Ensuring efficient and cost-effective utilisation of energy and other resources. Identifying and implementing good environmental housekeeping practices, including a clear desk policy. Climate-related risks are assessed through the company's documented environmental management arrangements, supported by the Environmental Aspects and Impacts Register, ESG Strategy and Carbon Footprint Tracker. These arrangements support the identification and management of environmental risks, including physical climate risks and relevant transition risks, alongside the monitoring of environmental performance and progress against the company's carbon reduction objectives. The Environmental Policy is subject to annual review, supporting ongoing oversight and continuous improvement.

6.1.2 Is this person (or another at executive and board level) also responsible for climate risk?*

Yes

6.1.3 Please describe the governance process in place*

EP Financial Solutions (EPFS) manages climate-related risks through its established governance and risk management framework, supported by its Environmental, Social and Governance (ESG) Strategy, Environmental Policy, Environmental Aspects and Impacts Register and Carbon Footprint Tracker. Executive-level responsibility for climate risk assessment sits with the Executive Director, who oversees the implementation of the company's environmental commitments and associated risk management activities. Climate-related risks are considered through documented environmental assessments, including physical risks such as severe weather, flooding, extreme temperatures and potential disruption to business operations. Relevant transition risks, including changes in environmental requirements, energy consumption and the move towards lower-carbon operations, are also considered. The company's wider governance arrangements operate through a Three Lines of Defence model, supported by the Risk and Compliance function, Internal Audit and the Board Risk and Audit Committee. These arrangements provide a framework for identifying, assessing, monitoring and escalating business risks. Environmental performance is monitored against established ESG objectives, including the commitment to reduce operational emissions by 50% by 2027 against a 2024 baseline and achieve climate neutrality by 2040.

6.2 Have you started to identify and assess your companies climate risks and opportunities?*

Yes - we have identified both climate risks and opportunities

6.2.1 Where are the climate risks you've identified?*

Own operations

6.2.1 Explain*

6.2.2 How are you managing these climate risks? Choose as many as are applicable.*

We've started to prioritise climate risks, We've mapped the impact of our climate risks over time (short, medium and long term horizons), We've Identified plans for adaptation to mitigate these risks

6.2.2 Explain*

6.2.3 Provide any additional comments or context on your climate risks:*

EP Financial Solutions (EPFS) has established processes for identifying, assessing and managing climate-related risks through its corporate Risk Register, Environmental Aspects and Impacts Register, Environmental Policy, ESG Strategy and ISO management systems. Climate-related risks are formally recorded within the corporate Risk Register, including the long-term economic impacts of climate change and the requirements arising from the February 2024 Climate Action amendments to ISO management system standards. These assessments consider both physical and transition risks, including extreme weather, infrastructure and supply chain disruption, evolving regulatory requirements, stakeholder expectations, financial impacts and reputational risks. Climate change considerations are incorporated into the company's Information Security Management System (ISMS) and Quality Management System (QMS), with supporting controls including: - Explicit references within the ISMS/QMS Manual. - Climate-related risks documented in the corporate Risk Register. - Review and documentation through ISO Committee meetings and ISO Management Reviews. - Climate-related considerations incorporated into supplier questionnaires. - Climate-related risks referenced within Business Continuity documentation. Executive-level accountability for environmental management and climate risk assessment rests with the Executive Director, supported by established management review and governance arrangements. Climate-related opportunities are considered through the ESG Strategy, including energy efficiency improvements, digital transformation, reduced resource consumption, sustainable procurement and lower-carbon operations. This approach enables EPFS to integrate climate-related considerations into strategic planning, operational resilience, supplier management and continuous improvement activities.

6.3 Have you integrated climate and/or nature into your company mission statement or shareholder agreements? If yes, describe how.*

6.4 Have you taken actions this year outside of your emissions to accelerate climate progress?*

7.1 Provide any additional comments or context on your annual results and progress from previous years.*

EP Financial Solutions (EPFS) continues to make measurable progress against its environmental objectives, supported by its ESG Strategy, Environmental Policy, Carbon Footprint Tracker and Environmental Aspects and Impacts Register. During 2025, EPFS achieved a 33.69% reduction in its carbon footprint compared with its 2024 baseline, demonstrating progress towards its commitment to reduce operational emissions by 50% by 2027 and achieve climate neutrality by 2040. Key environmental improvements during the reporting period included: Energy efficiency: Relocation to more energy-efficient office premises with an EPC rating of B, contributing to an 80% reduction in Scope 2 office electricity emissions per full-time employee compared with 2024. Sustainable infrastructure: Migration of server infrastructure to Tier 3 data centres, including a facility benefiting from 100% renewable electricity backed by Renewable Energy Guarantees of Origin (REGO). Sustainable working practices: Continued adoption of hybrid working arrangements, contributing to a 66% reduction in business travel per FTE and a 35% reduction in employee commuting compared with the 2024 baseline. Waste reduction: Continued promotion of recycling, electronic document retention and digital correspondence to reduce paper consumption, physical mail fulfilment and waste generation. Environmental governance: Further integration of climate-related considerations into corporate risk management, ISO management systems, supplier questionnaires and business continuity arrangements. EPFS has also strengthened its approach to identifying and assessing climate-related risks, with physical and transition risks documented in the corporate Risk Register and considered through ISO Committee meetings and management reviews.

7.2 Do you face any key challenges in reducing emissions?*

Balancing emission reductions with business growth

Specify other challenges*

7.3 Has there been any third party validation of the data submitted in this report?*

1.1 End day of the reporting period*

2025-12-31

1.1.1 Reporting year*

2025

1.2 Describe your business activities*

1.4 Number of employees on the end day of the reporting period*

185.56

1.4.1 Full-time equivalent (FTE) or headcounts*

Full-time equivalent

1.5 Is this report being submitted on behalf of a parent company or a subsidiary? If so, please briefly explain the relationship.*

Not applicable

1.5.1 Please explain the relationship*

2.1 Net zero target year*

2040

2.1.1 Base year*

2024

2.1.2 Base year value*

309.14

Base year value confirmation*

I confirm that I have entered my base year value in metric tons CO2e

2.2 Near-term target*

50% of intensity scope 1+2+3 emission reduction from my base year by 2027

2.3 Provide any additional comments or context on your net zero and near term targets.*

2.4 To reduce emissions in line with my commitment, my company has a climate action plan and is taking action*

Yes, the plan and action include all scope 1+2+3

Energy consumption

3.2 Total energy consumption*

68.98 kWh

3.3 Total renewable energy consumption*

44.15 kWh

Scope 1 emissions

3.4 Scope 1 emissions*

31.46 metric tons CO2e

Scope 2 emissions

3.5 Location-based Scope 2 emissions*

37.52 metric tons CO2e

3.6 Market-based Scope 2 emissions*

Scope 1 and 2 units confirmation*

I confirm that I have entered all Scope 1 and 2 emissions values in metric tons CO2e

3.7 Have you taken any actions to reduce Scope 1 and 2 emissions in the reporting period?*

Yes

3.7.1 What actions have you taken?*

Climate strategy and planning, Energy efficient buildings and offices

3.7.2 Describe your actions taken to reduce Scope 1 and 2 emissions in the reporting period*

Optimising office space to align with our hybrid working model and educating our staff to encourage energy savings practices.

3.8 Which tools or methods did you use to calculate your Scope 1 and 2 emissions?*

Own internal calculations

3.8.1 Specify any additional details*

Royal Bank Carbon Planner

Scope 3 emissions

4.1 Have you measured any of your scope 3 emissions?*

Yes

Supply chain related - upstream emissions

4.1.1 Purchased goods and services*

99.94 metric tons CO2e

4.1.2 Capital goods*

4.1.3 Fuel and energy related activities*

4.1.4 Transportation and distribution (upstream)*

4.1.5 Waste in operations*

0.93 metric tons CO2e

4.1.6 Business travel*

2.65 metric tons CO2e

4.1.7 Employee commuting*

145.76 metric tons CO2e

4.1.8 Leased assets (upstream)*

Customer related - downstream emissions

4.1.9 Transportation and distribution (downstream)*

4.1.10 Processing of sold products*

4.1.11 Use of sold products*

4.1.12 End-of-life treatment of products*

4.1.13 Leased assets (downstream)*

4.1.14 Franchises*

4.1.15 Investments*

4.1.16 Total scope 3 emissions*

249.3 metric tons CO2e

Scope 3 units confirmation*

I confirm that I have entered all Scope 3 emissions values in metric tons CO2e

4.2 Have you taken any actions to reduce scope 3 emissions in the reporting period?*

Yes

4.2.1 What actions have you taken to reduce scope 3 emissions in the reporting period?*

Business travel and commuting, Supply chain engagement, Product/service design innovation, Digital and technology-enabled solutions

4.2.2 Provide any additional details*

4.3 Have you asked any of your suppliers to set a net zero target (either voluntarily or as a requirement)?*

4.3.1 What percentage of your suppliers have you asked?*

4.4 Have you communicated your commitment and actions to any of your customers?*

Yes

4.5 Which tools or methods did you use to calculate your scope 3 emissions?*

Other calculator (please specify)

4.5.1 Specify additional details*

Royal Bank Carbon Planner

5.1 Do any of your existing products and/or services qualify as climate solutions or enabling solutions?*

5.2 Please confirm your solutions meet all the following safeguard requirements.*

What percentage of your total revenue came from these products and/or services last year?*

5.4 Provide descriptions/names of your solutions:*

5.5 How did you assess whether these are climate solutions?*

5.5.1 Has any third party validated this?*

5.5.2 Specify any additional details*

6.1 What governance processes do you have in place for your climate strategy? Choose as many as are applicable.*

Governance process in place, Person is responsible for climate strategy at board level

6.1 Explain*

6.1.1 Please describe their position and responsibility.*

6.1.2 Is this person (or another at executive and board level) also responsible for climate risk?*

Yes

6.1.3 Please describe the governance process in place*

6.2 Have you started to identify and assess your companies climate risks and opportunities?*

Yes - we have identified both climate risks and opportunities

6.2.1 Where are the climate risks you've identified?*

Own operations

6.2.1 Explain*

6.2.2 How are you managing these climate risks? Choose as many as are applicable.*

We've started to prioritise climate risks, We've mapped the impact of our climate risks over time (short, medium and long term horizons), We've Identified plans for adaptation to mitigate these risks

6.2.2 Explain*

6.2.3 Provide any additional comments or context on your climate risks:*

6.3 Have you integrated climate and/or nature into your company mission statement or shareholder agreements? If yes, describe how.*

6.4 Have you taken actions this year outside of your emissions to accelerate climate progress?*