LLOYDS BANK COMMERCIAL FINANCE LIMITED
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Cash
£81m
-52.6% lowest in 3 filed years
Net assets
£116m
+15.7% highest in 3 filed years
Employees
102
-8.1% lowest in 3 filed years
Profit before tax
£21m
+20.3% highest in 3 filed years
Net assets
3-year trend · vs Financials median
Accounts
3-year trend · Δ = latest vs prior filed period · latest reflected 2025-12-31
| Metric | Trend | 2023-12-31 | 2024-12-31 | 2025-12-31 | Δ vs prior |
|---|---|---|---|---|---|
| Turnover | £104,912,000 | £100,622,000 | £102,798,000 | +2.2% | |
| Operating profit | £25,477,000 | £30,964,000 | — | — | |
| Profit before tax | £6,472,000 | £17,517,000 | £21,065,000 | +20.3% | |
| Net profit | £4,883,000 | £13,112,000 | £15,782,000 | +20.4% | |
| Cash | £370,877,000 | £170,954,000 | £81,106,000 | -52.6% | |
| Total assets less current liabilities | £87,404,000 | £100,516,000 | — | — | |
| Net assets | £87,404,000 | £100,516,000 | — | — | |
| Equity | £87,404,000 | £100,516,000 | £116,298,000 | +15.7% | |
| Average employees | 121 | 111 | 102 | -8.1% | |
| Wages | £7,643,000 | £7,615,000 | £7,132,000 | -6.3% | |
| Directors' remuneration | £170,000 | £67,000 | £64,000 | -4.5% | |
| Highest paid director | £66,000 | £67,000 | £64,000 | -4.5% |
Values shown as filed in the company's annual accounts. — indicates the figure wasn't present under that line item in that period. The Δ column is the change from the prior filed period as a percentage of |prior|; lines a company doesn't report show —. About these numbers
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|
| Operating margin | 24.3% | 30.8% | — | |
| Net margin | 4.7% | 13.0% | 15.4% | |
| Return on capital employed | 29.1% | 30.8% | — | |
| Gearing (liabilities / total assets) | 88.2% | 79.4% | — | |
| Current ratio | 1.12x | 1.23x | — | |
| Interest cover | 1.14x | 1.83x | — |
Margins divide P&L lines by turnover. Gearing is liabilities over total assets. Current ratio is current assets over creditors falling due within one year. Interest cover is operating profit over absolute finance costs. Sector-distribution context coming next.
Name history
Renamed 2 times since incorporation
- LLOYDS BANK COMMERCIAL FINANCE LIMITED 2013-09-23 → present
- LLOYDS TSB COMMERCIAL FINANCE LIMITED 2000-03-31 → 2013-09-23
- ALEX LAWRIE FACTORS LIMITED 1962-08-21 → 2000-03-31
Audit & accounting basis
- Reporting scope
- Standalone (parent only)
- Auditor
- Deloitte LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
Group structure
- LLOYDS BANK COMMERCIAL FINANCE LIMITED · parent
- Alex Lawrie Factors Limited 100%
- Alex Lawrie Receivables Financing Limited 100%
- Eurolead Services Holdings Limited 100%
- LBCF Limited 100%
- Lloyds Bank Commercial Finance Scotland Limited 100%
- Cashfriday Limited 100%
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
5 active · 48 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| MULHOLLAND, Alison Elizabeth | Secretary | 2024-02-07 | — | — |
| BAKER, Victoria Louise | Director | 2023-03-30 | Mar 1978 | British |
| CORSON, Alan John | Director | 2023-03-30 | Mar 1982 | British |
| LORING, Christopher | Director | 2023-03-30 | Mar 1979 | British |
| PETERS, Matthew John | Director | 2024-08-05 | Jan 1984 | British |
Show 48 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BARTLETT, Howard | Secretary | — | 1999-04-22 |
| GITTINS, Paul | Secretary | 2010-09-13 | 2024-02-07 |
| NEWMAN, Paulette Jean | Secretary | 1999-04-22 | 2009-08-17 |
| SARFO-AGYARE, Claude Kwasi | Secretary | 2009-08-17 | 2012-06-01 |
| BARTLETT, Howard | Director | — | 1999-12-28 |
| BIDDLE, Timothy | Director | 2023-03-30 | 2024-08-05 |
| BIRCH, Barrie Peter | Director | — | 1999-12-28 |
| BROWN, Paul Gregorius | Director | 1992-11-17 | 1996-04-01 |
| COOPER, Martin John | Director | 2003-05-01 | 2015-08-19 |
| DAVIES, John Lewis | Director | 2000-01-19 | 2006-11-30 |
| DAVIES, John Arthur | Director | — | 1993-09-30 |
| EDDOWES, Robert James | Director | 1999-04-06 | 2013-01-21 |
| ETTERSHANK, Edward Michael George | Director | 1999-04-19 | 2008-07-27 |
| FEATHERSTONE, Simon Andrew | Director | 2008-07-28 | 2011-07-29 |
| GREEN, Janet Anne | Director | 1993-10-29 | 2000-04-04 |
| HIGLEY, Keith John | Director | 1997-01-01 | 2000-01-31 |
| HUTTON, Andrew Kilpatrick | Director | — | 2000-01-31 |
| JENKINS, John Michael | Director | 1999-04-22 | 2005-02-01 |
| KERR, Donald | Director | 2012-12-12 | 2016-01-07 |
| LARKIN, Ian David | Director | 2011-09-19 | 2012-10-31 |
| LOMAS, Ian David | Director | 1999-04-22 | 2014-04-30 |
| MALTBY, John Neil | Director | 2007-01-07 | 2012-09-06 |
| MARTIN, Catherine | Director | 2012-12-12 | 2014-01-31 |
| MASTER, Gwynne | Director | 2021-03-29 | 2023-04-11 |
| MAZZOCCHI, Mario Emanuele | Director | 2010-01-01 | 2012-10-12 |
| MOORE, Alan Edward | Director | 1996-04-01 | 1998-04-30 |
| NEWMAN, Paulette Jean | Director | 1999-04-22 | 2009-08-17 |
| NUNNERLEY, Philip Haldane | Director | — | 1993-02-26 |
| OLDFIELD, David James Stanley | Director | 2012-09-06 | 2013-10-02 |
| PIRRIE, David Blair | Director | — | 1992-11-17 |
| POSTINGS, David John | Director | 2006-12-01 | 2007-07-06 |
| POTTS, David Keith | Director | 2000-04-26 | 2006-11-30 |
| REED, Danielle Kara | Director | 2016-01-07 | 2019-07-29 |
| RIDING, Frederick Michael Peter | Director | 1996-04-01 | 2003-12-29 |
| ROBSON, John Frederick | Director | 2012-12-12 | 2015-06-30 |
| SARFO-AGYARE, Claude Kwasi | Director | 2009-08-17 | 2012-05-30 |
| SAUNDERS, Paul Kevin | Director | — | 2009-12-31 |
| SHAW, Michael William | Director | 1993-02-26 | 1994-10-28 |
| SINGLETON, David Michael | Director | 1998-05-11 | 2004-02-24 |
| SMITH, Edward John Gerard | Director | 2013-10-02 | 2016-01-07 |
| SMITH, Malcolm James | Director | — | 1996-12-31 |
| SMITHSON, Andrew Chadwick | Director | 2019-07-29 | 2021-11-19 |
| SPENCE, John Andrew | Director | 1994-10-28 | 1999-07-06 |
| STEPHENSON, Ben | Director | 2016-03-10 | 2023-04-19 |
| TATE, George Truett | Director | 2004-01-29 | 2010-06-29 |
| TOTNEY, David Antony | Director | 2002-04-18 | 2004-08-20 |
| WALKER, Adrian Keith | Director | 2016-01-07 | 2018-02-27 |
| WEBSDALE, Steven John | Director | — | 1996-12-31 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Lloyds Bank Plc | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Active |
Filing timeline
Last 20 of 252 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-09-11 | AA | accounts | Accounts with accounts type full | |
| 2026-02-27 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-07-09 | AA | accounts | Accounts with accounts type full | |
| 2025-05-12 | CH03 | officers | Change person secretary company with change date | |
| 2025-02-17 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-08-08 | AA | accounts | Accounts with accounts type full | |
| 2024-08-08 | TM01 | officers | Termination director company with name termination date | |
| 2024-08-06 | AP01 | officers | Appoint person director company with name date | |
| 2024-02-13 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-02-09 | AP03 | officers | Appoint person secretary company with name date | |
| 2024-02-07 | TM02 | officers | Termination secretary company with name termination date | |
| 2023-08-08 | AA | accounts | Accounts with accounts type full | |
| 2023-04-20 | TM01 | officers | Termination director company with name termination date | |
| 2023-04-17 | TM01 | officers | Termination director company with name termination date | |
| 2023-04-05 | AP01 | officers | Appoint person director company with name date | |
| 2023-04-05 | AP01 | officers | Appoint person director company with name date | |
| 2023-04-05 | AP01 | officers | Appoint person director company with name date | |
| 2023-04-05 | AP01 | officers | Appoint person director company with name date | |
| 2023-03-20 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-09-08 | AA | accounts | Accounts with accounts type full |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 2
- Capital events
- 0
- Officers appointed
- 0
- Officers resigned
- 0
last 12 months
last 24 months
last 12 months
last 12 months
Direct counts from the register. No score, no rating — see the Filing timeline for the underlying events.