MARSH FINANCE LIMITED
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Cash
£1.8m
-39.1% vs 2024
Net assets
£14m
-14.1% vs 2024
Employees
31
-22.5% vs 2024
Profit before tax
-£2.2m
-62.5% vs 2024
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
1 PSC ceased in last 24 months
Significant control changed hands — see the Ownership section.
Net assets
2-year trend · vs Financials median
Accounts
2-year trend · Δ = latest vs prior filed period · latest reflected 2025-09-30
| Metric | Trend | 2024-09-30 | 2025-09-30 | Δ vs prior |
|---|---|---|---|---|
| Turnover | £6,096,662 | £4,788,170 | -21.5% | |
| Operating profit | -£1,670,864 | -£2,572,034 | -53.9% | |
| Profit before tax | -£1,340,817 | -£2,179,374 | -62.5% | |
| Net profit | -£1,735,454 | -£2,284,737 | -31.7% | |
| Cash | £2,900,726 | £1,767,106 | -39.1% | |
| Total assets less current liabilities | £32,320,112 | £26,562,036 | -17.8% | |
| Net assets | £16,230,987 | £13,946,299 | -14.1% | |
| Equity | £16,230,987 | £13,946,299 | -14.1% | |
| Average employees | 40 | 31 | -22.5% | |
| Wages | — | — | — | |
| Directors' remuneration | £313,642 | £316,142 | +0.8% |
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 | 2024-09-30 | 2025-09-30 |
|---|---|---|---|
| Operating margin | -27.4% | -53.7% | |
| Net margin | -28.5% | -47.7% | |
| Return on capital employed | -5.2% | -9.7% | |
| Gearing (liabilities / total assets) | 65.7% | 66.9% | |
| Current ratio | 3.14x | 2.70x | |
| Interest cover | -0.83x | -1.26x |
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 1 time since incorporation
- MARSH FINANCE LIMITED 1988-04-26 → present
- MARSH FINANCE (LANCS) LIMITED 1973-10-05 → 1988-04-26
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Consolidated group
- Auditor
- RSM UK Audit LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“In auditing the financial statements, we have concluded that the directors' use of the going concern basis of accounting in the preparation of the financial statements is appropriate. Based on the work we have performed, we have not identified any material uncertainties relating to events or conditions that, individually or collectively, may cast significant doubt on the group's or the parent company's ability to continue as a going concern for a period of at least twelve months from when the financial statements are authorised for issue.”
Group structure
- MARSH FINANCE LIMITED · parent
- MFL (BL1) Ltd 51%
Significant events
- “After the reporting date and prior to the approval of the financial statements, the company disposed of an investment property located at 53 Walkers Lane, Springhead, Oldham, OL4 4QD on 9 October 2025. The sale proceeds amounted to £190,000.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
4 active · 2 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| ECCLESTON, Paula Marilyn | Secretary | 2019-09-02 | — | — |
| ECCLESTON, Paula Marilyn | Director | 2019-09-02 | Feb 1973 | British |
| MARSH, Andrew James | Director | 2000-01-05 | Nov 1968 | British |
| MARSH, Kevin | Director | — | Jun 1939 | British |
Show 2 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| MARSH, Wendy Joan | Secretary | — | 2023-07-30 |
| MARSH, Wendy Joan | Director | — | 2023-07-30 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Mr Kevin Marsh | Individual | Shares 25–50% | 2020-06-01 | Ceased 2026-05-31 |
| Mrs Wendy Joan Marsh | Individual | Shares 25–50% | 2020-06-01 | Ceased 2023-07-01 |
| Mr Andrew James Marsh | Individual | Significant influence | 2016-04-06 | Active |
Filing timeline
Last 20 of 202 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-06-26 | PSC07 | persons-with-significant-control | Cessation of a person with significant control | |
| 2026-06-10 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2026-06-10 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2026-06-10 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2026-06-10 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2026-06-10 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2026-06-10 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2026-06-10 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2026-06-10 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2026-06-10 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2026-06-10 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2026-06-10 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2026-06-10 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2026-06-10 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2026-06-02 | AA | accounts | Accounts with accounts type group | |
| 2025-07-25 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-04-16 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2025-04-08 | AA | accounts | Accounts with accounts type small | |
| 2025-01-02 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2024-08-06 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 15
- 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.