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THE NATIONAL ASSOCIATION OF COMMERCIAL FINANCE BROKERS

#03305378 · Active · Group / consolidated · Incorporated 1997-01-21 (29y 9m) · Last filing 2026-09-29 (1mo ago)
Consumer Discretionary · SIC 94110 · S Other Service Activities · Group accounts
Accounts due 2027-09-30 (in 11 months) · Confirmation due 2027-02-04 (in 4 months) · 1 watchout

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Cash

£2.8m

+23.6% highest in 3 filed years

Net assets

£2m

+5.1% highest in 3 filed years

Employees

32

+33.3% highest in 3 filed years

Profit before tax

£128k

-63.1% lowest in 3 filed years

Watchouts

Facts from the Companies House register and the latest accounts — not a rating

Accounts

3-year trend · Δ = latest vs prior filed period · latest reflected 2025-12-31

Metric Trend 2023-12-312024-12-312025-12-31 Δ vs prior
Total income £3,290,448£3,602,364£3,889,132 +8%
Operating profit £29,729£217,958£16,913 -92.2%
Profit before tax £155,727£347,840£128,195 -63.1%
Net profit £142,124£314,941£94,700 -69.9%
Cash £1,955,614£2,297,634£2,840,688 +23.6%
Total assets less current liabilities £1,559,623£1,873,942£1,968,399 +5%
Net assets £1,558,758£1,873,699£1,968,399 +5.1%
Equity £1,558,758£1,873,699£1,968,399 +5.1%
Average employees 202432 +33.3%
Wages £1,211,473£1,483,144£1,890,374 +27.5%
Directors' remuneration £146,596£268,787£349,795 +30.1%

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 2023-12-312024-12-312025-12-31
Operating margin 0.9%6.1%0.4%
Net margin 4.3%8.7%2.4%
Return on capital employed 1.9%11.6%0.9%
Gearing (liabilities / total assets) 42.3%41.6%43.6%
Current ratio 2.34x2.39x2.28x

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.

Audit & accounting basis

Accounting basis
FRS 102 §1A
Reporting scope
Consolidated group
Auditor
UHY Hacker Young
Audit opinion
Unqualified (clean)
Going concern
Affirmed

“At the time of approving the financial statements, the directors have a reasonable expectation that the group has adequate resources to continue in operational existence for the foreseeable future.”

Group structure

  1. THE NATIONAL ASSOCIATION OF COMMERCIAL FINANCE BROKERS · parent
    1. NACFB Compliance Services Limited 100% · England & Wales · That of a dormant company
    2. NACFB Financial Services Limited 100% · England & Wales · That of a dormant company
    3. NACFB Member Services Limited 100% · England & Wales · Organising events sponsorship and providing services to members

Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers

People

13 active · 92 resigned

Name Role Appointed Born Nationality
HIGGINBOTHAM, Jim Secretary 2024-11-28 — —
CAIN, Gary Director 2022-01-01 Jun 1973 British
CHAMBERS, Norman Christopher Director 2025-01-01 Feb 1962 British
CHAMP, Marc Alan John Director 2026-02-17 Nov 1981 British
EVERIDGE, Nova Jane Director 2026-01-20 Jul 1971 British
FEATHERSTONE, Simon Andrew Director 2025-11-18 Aug 1968 British
HIGGINBOTHAM, Jim Director 2024-10-03 Feb 1969 British
KENT, John Norman Director 2026-01-17 Dec 1965 British
LEVY, Joshua Marc Director 2025-07-22 Feb 1990 British
NORMAN, Angela Director 2025-04-23 Dec 1982 British
ORAMS, Evette Director 2025-01-01 May 1974 British
PERKINS, Tom Director 2025-01-01 Sep 1989 British
WILCOX, Jonathan Michael Director 2025-09-23 Aug 1991 British
Show 92 resigned officers
Name Role Appointed Resigned
CANN, Nikki Elizabeth Secretary 2006-04-10 2008-01-23
CHAMBERS, Norman Christopher Secretary 2017-04-28 2024-11-28
GRAY, John Stuart Secretary 1997-05-13 2000-12-31
HERON, Keith Murdo Secretary 2001-03-30 2006-04-10
MITCHELL, Philip Lindsay Rewse Secretary 1997-01-21 1997-05-13
NEWBOROUGH, David Mark Secretary 2016-11-30 2017-04-28
TYLER, Adam William Secretary 2009-01-01 2016-11-30
TYLER, Adam William Secretary 2008-01-23 2008-08-07
TYLER, Adam William Secretary 2008-01-23 2008-08-07
WHITMORE, Jocelyn Secretary 2001-01-01 2001-03-30
ALEXANDER, Mark Robert Director 1999-01-01 2000-12-31
ARNOLD, Christopher Eric Director 2001-01-01 2001-12-31
ARNOLD, Christopher Eric Director 1998-01-01 1998-12-31
BAKER, Nicholas James Director 2022-01-01 2025-12-31
BARTON, Stuart Ellis Director 2003-01-13 2007-12-31
BASSETT, Stephen Charles Director 2008-01-01 2010-01-01
BENNETT, Robert Director 1999-06-22 2000-12-31
BERKLEY, Richard John Director 2003-04-07 2003-12-31
BIALAN, Christopher Director 1997-03-05 2000-12-31
BLACK, Ralph Blair Director 2013-01-01 2018-11-05
BOWMAN, Alan Director 1999-06-22 1999-10-31
BOYES, Debbie Jeanette Director 2009-01-01 2013-01-01
BROWN, Alan Director 2002-01-01 2004-12-08
BULLARD, Andrew Philip Director 2011-01-01 2013-01-10
CARTER, Simon Andrew Director 2015-01-01 2016-05-04
CATTON, Martine Faith Director 2019-01-01 2021-12-31
CHAMBERS, Norman Christopher Director 2019-11-21 2024-12-31
COLES, Adrian Lewis Director 2010-01-01 2025-12-31
COLLINS, Robert Henry Director 2015-01-01 2018-12-31
DE COURCY, Amanda Jayne Director 2022-01-01 2024-12-31
DEACON, Michael Charles Peter Director 2021-01-06 2024-12-31
DEACON, Michael Charles Peter Director 2019-01-01 2020-09-08
DEMPSEY, Maria Bernadette Director 1998-01-01 1999-03-24
ELLISON, Alan Alexander Director 2016-01-01 2018-12-31
ERENTRAUT, Stefan Henryk Director 2002-01-01 2008-12-31
EVERITT, Alan Graham Director 2007-01-01 2007-11-11
FLOWER, Mark Anthony Director 2004-01-01 2008-12-31
FURNIVAL, David Ian Director 2019-01-01 2021-12-31
GEDDES, Michael David Director 2015-01-01 2023-12-31
GOODMAN, Paul Director 2011-01-01 2024-04-08
GRAVES, Debbie Louise Director 2003-01-01 2003-02-24
GRAY, John Stuart Director 1997-03-05 2006-01-24
GRAY, Philip John Director 2019-01-01 2022-12-31
GRIMSHAW, Marcus John Steven Director 2009-01-01 2015-01-01
GROVE, William Hulbert Director 2025-03-25 2025-09-15
HAM, Beverley Clare Director 1998-01-01 1999-12-31
HARE, Stuart Martin Director 1997-01-21 2000-12-31
HELLAWELL, Philip Director 2006-01-01 2011-01-01
HERON, Keith Murdo Director 1997-03-05 1998-02-01
HILL, Graham John Director 1997-03-05 2003-12-31
HILTON-BAIRD, Alexander Director 2001-01-01 2001-12-31
HODGE, Lucy Joanna Director 2014-01-01 2016-01-01
JOHNSON, Clifford Director 2002-01-01 2002-12-31
JONES, Kevin Alan Director 2005-01-01 2013-01-01
LEE, Eric Anthony Director 1997-03-05 2004-09-14
LEWIS, Russell David Director 2019-01-01 2024-04-02
MANSELL, Nicholas Hands Director 2008-01-01 2010-01-01
MCGINLEY, Kim Angela Director 2022-01-01 2023-12-31
MOGG, David James Director 2010-01-01 2010-08-18
MURRAY, Philip Jarlath Director 2005-01-01 2005-12-31
MURRAY, Philip Jarlath Director 1999-01-01 2002-12-31
NEWBOROUGH, David Mark Director 2015-01-14 2022-12-31
NEWBOROUGH, Nicola Claire Director 2024-04-23 2025-01-31
NEWBOROUGH, Nicola Claire Director 2023-01-18 2023-12-31
OLEJNIK, Stephen Paul Director 2020-04-01 2025-12-31
OLEJNIK, Stephen Paul Director 2019-01-01 2019-10-06
PHILLIPS, John William Director 2017-01-01 2017-04-18
PHILLIPS, John William Director 2008-01-01 2016-01-01
POINTIN, Neil Andrew Director 2009-01-01 2011-01-01
PRITCHARD, Andrew William Director 2011-01-01 2013-01-01
READING, Sara Louise Director 2002-06-25 2003-12-31
ROSS, Allan Warren Director 2015-01-01 2015-11-21
ROSS GOWER, Paul David Director 1997-03-05 2000-12-31
SALMON, David John Director 1997-03-05 1997-12-31
SAMPSON, David Richard Director 2013-01-01 2020-09-08
SIMPSON, Nicholas Director 2011-01-01 2015-01-01
SPICER, Richard David John Director 2013-01-01 2014-09-02
SPICER, Richard David John Director 2010-01-01 2010-05-19
SPICER, Richard David John Director 2002-01-01 2004-02-20
SPICER, Richard David John Director 1997-04-01 1997-12-31
TAYLOR, Andrew Sears Director 2022-01-01 2025-12-31
THOMPSON, Paul Stuart Director 2004-01-01 2008-12-31
TOY, Graham Philip Director 2019-11-21 2020-08-31
WARD, Brian Director 2006-02-17 2006-12-31
WARD, Brian Director 2004-01-01 2004-12-31
WARD, Brian William Director 1998-01-01 2002-12-31
WELLS, Raymond Neale Director 2017-01-01 2018-12-31
WELLS, Raymond Neale Director 2005-01-01 2015-01-01
WHEADON, Ian Malcolm Director 1997-01-21 1997-12-31
WHITFIELD, Andrew Edward Director 2009-01-01 2009-06-26
WHITTAKER, David Christopher Director 1999-01-01 2001-12-31
WILSON, Geoffrey Director 2016-01-01 2020-08-31

Ownership

Persons with significant control

No persons with significant control on record.

Filing timeline

Last 20 of 308 total filings

Date Type Category Description
2026-09-29 AA accounts Accounts with accounts type group PDF
2026-02-18 AP01 officers Appoint person director company with name date PDF
2026-02-17 AP01 officers Appoint person director company with name date PDF
2026-02-11 CS01 confirmation-statement Confirmation statement with no updates PDF
2026-02-03 AP01 officers Appoint person director company with name date PDF
2026-01-06 TM01 officers Termination director company with name termination date PDF
2026-01-06 TM01 officers Termination director company with name termination date PDF
2026-01-06 TM01 officers Termination director company with name termination date PDF
2026-01-06 TM01 officers Termination director company with name termination date PDF
2025-11-21 AP01 officers Appoint person director company with name date PDF
2025-10-01 AA accounts Accounts with accounts type group
2025-09-23 AP01 officers Appoint person director company with name date PDF
2025-09-23 TM01 officers Termination director company with name termination date PDF
2025-07-23 AP01 officers Appoint person director company with name date PDF
2025-04-23 AP01 officers Appoint person director company with name date PDF
2025-03-26 AP01 officers Appoint person director company with name date PDF
2025-02-05 TM01 officers Termination director company with name termination date PDF
2025-01-28 AP01 officers Appoint person director company with name date PDF
2025-01-22 CS01 confirmation-statement Confirmation statement with no updates PDF
2025-01-13 CH01 officers Change person director company with change date PDF

Public-record activity

Raw counts from Companies House — last 12–24 months

Filings
11

last 12 months

Capital events
0

last 24 months

Officers appointed
4

last 12 months

Officers resigned
4

last 12 months

Direct counts from the register. No score, no rating — see the Filing timeline for the underlying events.

Official Companies House page