THE NATIONAL ASSOCIATION OF COMMERCIAL FINANCE BROKERS

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Next accounts due

2026-09-30 (in 4mo)

Last filed for 2024-12-31

Confirmation statement due

2027-02-04 (in 9mo)

Last made up 2026-01-21

Watchouts

1 item

Cash

£2M

+17.5% highest in 4 filed years

Net assets

£2M

+20.2% highest in 4 filed years

Employees

+20% highest in 4 filed years

Profit before tax

£348K

+123.4% vs 2023

Watchouts

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

5 officer resignations in last 12 months

Multiple officers have left the board recently — see the People section for who.

Net assets

4-year trend · vs Consumer Discretionary median

THE NATIONAL ASSOCIATION OF COMMERCIAL FINANCE BROKERS·Consumer Discretionary median · n=21268

Accounts

4-year trend · latest reflected 2024-12-31

Metric	2020-12-31	2021-12-31	2023-12-31	2024-12-31
Turnover	—	—	£3,290,448	£3,602,364
Operating profit	—	—	£29,729	£217,958
Profit before tax	—	—	£155,727	£347,840
Net profit	—	—	£142,124	£314,941
Cash	£968,059	£1,156,539	£1,955,614	£2,297,634
Total assets less current liabilities	£812,192	£1,115,686	£1,559,623	£1,873,942
Net assets	—	—	£1,558,758	£1,873,699
Equity	—	—	£1,558,758	£1,873,699
Average employees	16	14	20	24
Wages	£1,038,413	£807,818	£1,211,473	£1,483,144
Directors' remuneration	—	—	£146,596	£268,787

Values shown as filed in the company's annual accounts. — indicates the figure wasn't present under that line item in that period. About these numbers

Year-on-year

FY2023 → FY2024 · period ending 2024-12-31 vs 2023-12-31

Turnover

+9.5%

£3,290,448 £3,602,364
Cash

+17.5%

£1,955,614 £2,297,634

highest in 4 filed years
Net assets

+20.2%

£1,558,758 £1,873,699
Employees

+20%

20 24

highest in 4 filed years
Operating profit

+633.1%

£29,729 £217,958
Profit before tax

+123.4%

£155,727 £347,840
Wages

+22.4%

£1,211,473 £1,483,144

highest in 4 filed years

Each % is (latest − prior) ÷ |prior| for the line item as filed. The comparison is only shown when the latest and prior accounts cover broadly equal-length periods — short or long stubs (typical around incorporation or a year-end change) are suppressed rather than misrepresented. Lines a company doesn't report are omitted. About these numbers

Ratios

Computed from the line items above — sparklines read oldest → newest

Ratio	2020-12-31	2021-12-31	2023-12-31	2024-12-31
Operating margin	—	—	0.9%	6.1%
Net margin	—	—	4.3%	8.7%
Return on capital employed	—	—	1.9%	11.6%
Current ratio	—	—	2.34x	2.39x

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
Abridged: Yes — abridged accounts (limited disclosure)
Auditor: UHY Hacker Young
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 and 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

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 · 87 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 87 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

Ownership

Persons with significant control

No persons with significant control on record.

Filing timeline

Last 20 of 307 total filings

Date	Type	Category	Description
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
2025-01-10	AP01	officers	Appoint person director company with name date	PDF

Public-record activity

Raw counts from Companies House — last 12–24 months

Filings: 13
Capital events: 0
Officers appointed: 6
Officers resigned: 5

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

Official Companies House page