ADVANTAGE FINANCE LIMITED
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Next accounts due
2026-10-31 (in 5mo)
Last filed for 2025-01-31
Confirmation statement due
2026-05-28 (this month)
Last made up 2025-05-14
Watchouts
None on the register
Cash
£0
Latest balance sheet
Net assets
£151M
-1.7% vs 2024
Employees
212
+3.4% vs 2024
Profit before tax
£17M
-42.6% vs 2024
Net assets
2-year trend · vs Financials median
Accounts
2-year trend · latest reflected 2025-01-31
| Metric | Trend | 2024-01-31 | 2025-01-31 |
|---|---|---|---|
| Turnover | £98,177,000 | £91,823,000 | |
| Operating profit | £39,828,000 | £31,179,000 | |
| Profit before tax | £28,810,000 | £16,542,000 | |
| Net profit | £21,843,000 | £12,392,000 | |
| Cash | £0 | £0 | |
| Total assets less current liabilities | £328,090,000 | £280,990,000 | |
| Net assets | £153,559,000 | £150,951,000 | |
| Equity | £153,559,000 | £150,951,000 | |
| Average employees | 205 | 212 | |
| Wages | £8,405,000 | £8,188,000 | |
| Directors' remuneration | £2,186,000 | £2,276,000 |
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
FY2024 → FY2025 · period ending 2025-01-31 vs 2024-01-31
-
Turnover
-6.5%
£98,177,000 £91,823,000
-
Cash
—
Not reported
-
Net assets
-1.7%
£153,559,000 £150,951,000
-
Employees
+3.4%
205 212
-
Operating profit
-21.7%
£39,828,000 £31,179,000
-
Profit before tax
-42.6%
£28,810,000 £16,542,000
-
Wages
-2.6%
£8,405,000 £8,188,000
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 | Trend | 2024-01-31 | 2025-01-31 |
|---|---|---|---|
| Operating margin | 40.6% | 34.0% | |
| Net margin | 22.2% | 13.5% | |
| Return on capital employed | 12.1% | 11.1% | |
| Gearing (liabilities / total assets) | 54.3% | 47.4% | |
| Current ratio | 12.02x | 14.29x | |
| Interest cover | 3.61x | 2.62x |
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
- IFRS
- Reporting scope
- Standalone (parent only)
- Auditor
- Forvis Mazars
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“After making enquiries, the directors have a reasonable expectation that the Company has adequate resources to continue in operational existence for the foreseeable future. Accordingly, they continue to adopt the going concern basis in preparing the Annual Report and Financial Statements.”
Group structure
- ADVANTAGE FINANCE LIMITED · parent
- Advantage Motor Finance Limited 1%
Significant events
- “Advantage identified some customers who were adversely affected by its historic forbearance practices and have provided for total remediation and support costs of £2.7m as an exceptional item in this year's accounts.”
- “The voluntary regulatory restriction was lifted in October 2024 and the regulatory S166 review was completed in April 2025”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
14 active · 14 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| BHOGAL, Manjeet Kaur | Secretary | 2025-05-30 | — | — |
| BURTON, Beverley Ann | Director | 2006-10-05 | Aug 1961 | British |
| CHARLTON, Keith James | Director | 2002-04-09 | Nov 1965 | British |
| COOMBS, Anthony Michael Vincent | Director | 1999-05-14 | Nov 1952 | British |
| COOMBS, Graham Derek Clifford | Director | 1999-05-14 | Nov 1952 | British |
| DOWNING, John Antony | Director | 2020-05-06 | Apr 1981 | British |
| DOWNING, Lynn | Director | 2023-01-17 | Apr 1981 | English |
| FRECKELTON, Chris Keith | Director | 2025-08-08 | Jan 1989 | British |
| GREENSIDES, Nicholas David | Director | 2019-02-06 | Feb 1987 | British |
| MURDOCH, James | Director | 2007-02-01 | Jul 1967 | British |
| SANDIFORD, David | Director | 2017-02-06 | Nov 1969 | English |
| TUPLIN, Alan | Director | 2006-10-05 | Apr 1969 | British |
| VESSEY, David William | Director | 2019-02-06 | Apr 1987 | English |
| WERNER, Karl Donald | Director | 2023-12-05 | Apr 1972 | British |
Show 14 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| MAIDEN, Edward David | Secretary | 1999-05-14 | 2004-03-01 |
| REDFORD, Christopher Hugh | Secretary | 2004-03-01 | 2025-05-30 |
| RUTLAND SECRETARIES LIMITED | Corporate Nominee Secretary | 1999-05-14 | 1999-05-14 |
| COOMBS, Derek Michael | Director | 1999-05-14 | 2008-05-16 |
| FISHER, Robert Eric John | Director | 1999-05-14 | 2002-02-14 |
| REDFORD, Christopher Hugh | Director | 2000-01-21 | 2025-05-30 |
| SIZER, Martin Graham | Director | 1999-05-14 | 2008-03-01 |
| TAYLOR, Wayne Richard | Director | 2019-02-06 | 2023-03-17 |
| THOMPSON, John Guy | Director | 1999-05-14 | 2020-01-31 |
| WALKER, Michael | Director | 2015-12-01 | 2024-10-31 |
| WHEELER, Thomas Graham | Director | 2019-10-01 | 2024-01-31 |
| WILKINSON, Helen April | Director | 2005-12-01 | 2018-05-01 |
| WILKINSON, Shaun | Director | 2012-02-29 | 2024-12-17 |
| RUTLAND DIRECTORS LIMITED | Corporate Nominee Director | 1999-05-14 | 1999-05-14 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| S & U Plc | Corporate entity | Shares 75–100% | 2016-04-06 | Active |
Filing timeline
Last 20 of 138 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2025-08-08 | AP01 | officers | Appoint person director company with name date | |
| 2025-05-30 | TM01 | officers | Termination director company with name termination date | |
| 2025-05-30 | TM02 | officers | Termination secretary company with name termination date | |
| 2025-05-30 | AP03 | officers | Appoint person secretary company with name date | |
| 2025-05-20 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-05-20 | AA | accounts | Accounts with accounts type full | |
| 2024-12-20 | TM01 | officers | Termination director company with name termination date | |
| 2024-11-05 | TM01 | officers | Termination director company with name termination date | |
| 2024-05-14 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-05-13 | AA | accounts | Accounts with accounts type full | |
| 2024-02-01 | TM01 | officers | Termination director company with name termination date | |
| 2023-12-07 | AP01 | officers | Appoint person director company with name date | |
| 2023-06-01 | AA | accounts | Accounts with accounts type full | |
| 2023-05-15 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-03-28 | TM01 | officers | Termination director company with name termination date | |
| 2023-01-19 | AP01 | officers | Appoint person director company with name date | |
| 2022-05-18 | AA | accounts | Accounts with accounts type full | |
| 2022-05-16 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2021-06-03 | AUD | auditors | Auditors resignation company | |
| 2021-05-14 | CS01 | confirmation-statement | Confirmation statement with no updates |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 6
- Capital events
- 0
- Officers appointed
- 2
- Officers resigned
- 2
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.