COMMUNITY DEVELOPMENT FINANCE ASSOCIATION
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Cash
£1.9m
-22.1% vs 2024
Net assets
£257k
+15.5% vs 2024
Employees
6
+20% highest in 3 filed years
Profit before tax
£41k
+171.6% first positive since 2024
Net assets
3-year trend · vs Consumer Discretionary 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 |
|---|---|---|---|---|---|
| Total income | £1,896,118 | £539,453 | £1,508,585 | +179.7% | |
| Operating profit | — | -£57,293 | £40,998 | +171.6% | |
| Profit before tax | £68,698 | -£57,293 | £40,998 | +171.6% | |
| Net profit | £67,543 | -£58,453 | £34,534 | +159.1% | |
| Cash | £253,585 | £2,413,476 | £1,880,532 | -22.1% | |
| Total assets less current liabilities | £283,684 | £226,572 | £259,400 | +14.5% | |
| Net assets | £281,226 | £222,773 | £257,307 | +15.5% | |
| Equity | £281,226 | £222,773 | £257,307 | +15.5% | |
| Average employees | 4 | 5 | 6 | +20% | |
| Wages | £116,131 | £148,093 | £246,636 | +66.5% | |
| Directors' remuneration | £6,000 | £6,000 | £24,199 | +303.3% |
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 | — | -10.6% | 2.7% | |
| Net margin | 3.6% | -10.8% | 2.3% | |
| Return on capital employed | — | -25.3% | 15.8% | |
| Gearing (liabilities / total assets) | 24.7% | 91.3% | 86.5% | |
| Current ratio | 4.16x | 1.10x | 1.16x |
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
- COMMUNITY DEVELOPMENT FINANCE ASSOCIATION 2002-01-25 → present
- UK COMMUNITY CAPITAL ASSOCIATION 2000-11-16 → 2002-01-25
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Standalone (parent only)
- Auditor
- Cocke, Vellacott & Hill
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“After reviewing the group's forecasts and projections, the directors have a reasonable expectation that the group has adequate resources to continue in operational existence for the foreseeable future. The company therefore continues to adopt the going concern basis in preparing its financial statements.”
Group structure
- COMMUNITY DEVELOPMENT FINANCE ASSOCIATION · parent
- RGF Project Vehicle C.I.C. 100%
Significant events
- “Following discussions with the Department of Business and Trade which culminated in written confirmation on 19 December 2024 of the successful completion of the company's project the subsidiary RGF Project Vehicle CIC is being wound up.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
9 active · 68 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| HADJIMICHAEL, Theodora | Secretary | 2019-09-18 | — | — |
| DEAKIN, Stephen John | Director | 2020-09-16 | Nov 1977 | British |
| HADJIMICHAEL, Theodora | Director | 2025-10-01 | Jun 1986 | Greek,American |
| HAMZAHEE, Patricia Keiko | Director | 2024-11-06 | Apr 1959 | British |
| PRITCHARD, Rebecca Lee | Director | 2020-02-05 | Mar 1960 | British |
| ROONEY, Timothy Patrick | Director | 2021-09-15 | Mar 1964 | British |
| SMITH, Matthew Charles | Director | 2022-09-28 | Feb 1978 | British |
| SOOD-NICHOLLS, Christopher Mark Hazlewood | Director | 2024-07-31 | May 1977 | British |
| UDALE, Peter Joseph | Director | 2020-06-29 | Mar 1963 | British |
Show 68 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| LYNCH, Malcolm John | Secretary | 2000-11-16 | 2006-06-09 |
| MORGAN, Bernadette | Secretary | 2006-06-09 | 2011-05-26 |
| ALDOUS, Lucy Jane | Director | 2002-05-16 | 2003-07-03 |
| ANDERSON, William Scott | Director | 2003-07-03 | 2004-06-25 |
| BAKER, Michael John | Director | 2010-11-01 | 2015-03-04 |
| BENNETT, Robert | Director | 2014-02-13 | 2016-03-08 |
| BOOTH, Clare Elizabeth | Director | 2001-04-30 | 2002-05-16 |
| BOYD, David Mark | Director | 2000-11-16 | 2001-04-30 |
| BROCKLEHURST, Roger John Leslie | Director | 2003-07-03 | 2004-06-25 |
| BROWN, Michael Hugh | Director | 2015-03-04 | 2021-09-15 |
| BUSH, Basil John | Director | 2003-07-03 | 2009-09-24 |
| COOK, Michael Godfray | Director | 2016-10-20 | 2017-03-28 |
| COPISAROW, Rosalind Sarah | Director | 2003-07-03 | 2004-09-28 |
| CRANSWICK, Dawn | Director | 2002-05-16 | 2004-06-25 |
| CRAWFORD, Jeremy Patrick Stewart | Director | 2015-03-04 | 2018-03-30 |
| CRICHTON, Shiona | Director | 2015-03-04 | 2017-03-28 |
| DAVIDSON, Paul Russell | Director | 2002-05-16 | 2003-07-03 |
| DAVIES, Karen Verna | Director | 2019-03-13 | 2026-04-08 |
| DAVIS, Alastair Grant | Director | 2015-03-05 | 2017-10-25 |
| DENNIS, Sean | Director | 2009-09-24 | 2012-03-27 |
| DIGGINES, Jonathan Brett | Director | 2011-09-08 | 2015-12-09 |
| DODWELL, Charles Kenneth | Director | 2019-07-24 | 2025-08-20 |
| EDWARDS, Stephen William | Director | 2014-02-13 | 2020-09-16 |
| ELLIOT, Melanie Jane | Director | 2008-06-25 | 2015-03-04 |
| ELSY, Stephanie Elizabeth | Director | 2017-07-19 | 2019-11-05 |
| FORD, Anne Katherine Andre | Director | 2012-10-05 | 2016-03-08 |
| FOREMAN, Arthur Ronald | Director | 2014-02-13 | 2020-09-16 |
| FOUCAUD, Guillaume Benjamin | Director | 2020-02-06 | 2021-05-04 |
| FROST, Simon Andrew | Director | 2012-07-12 | 2014-02-13 |
| GIDDENS, Michele Caroline | Director | 2002-05-16 | 2007-06-22 |
| GIRLING, Andrew Jonathan | Director | 2009-09-24 | 2014-02-13 |
| GOGGIN, Niamh | Director | 2002-05-16 | 2004-06-25 |
| GOSLING, Victoria Patricia | Director | 2021-09-15 | 2023-03-16 |
| GRIMES, Alistair Bernard, Dr | Director | 2015-12-09 | 2019-02-06 |
| HALL, John Andrew | Director | 2007-06-20 | 2008-03-26 |
| HAYDAY, Malcolm Gareth | Director | 2002-05-16 | 2003-07-03 |
| HEATH, Timothy David | Director | 2003-07-03 | 2009-09-24 |
| HERD, David Norval | Director | 2006-06-22 | 2010-06-18 |
| HEWITT, Neil James | Director | 2011-09-08 | 2015-03-04 |
| HORNE, Kevin Michael | Director | 2002-05-16 | 2003-07-03 |
| HOWE, Brian Moore | Director | 2004-06-25 | 2010-03-02 |
| JACKSON, Simon Mark, Mr. | Director | 2019-03-13 | 2025-10-01 |
| KALINAUCKAS, Paul | Director | 2006-06-22 | 2009-09-24 |
| KALINAUCKUS, Paul | Director | 2018-03-21 | 2019-07-23 |
| KINGSLEY, Naomi | Director | 2003-07-03 | 2009-09-24 |
| LADDS, Deborah Caroline | Director | 2017-01-23 | 2021-05-25 |
| LANCASTER, Eunice | Director | 2004-06-25 | 2007-06-22 |
| MACPHERSON, Sharon Stewart | Director | 2016-10-20 | 2019-06-12 |
| MARCHANT, Robert Mark | Director | 2004-06-25 | 2006-09-14 |
| MCFARLANE, Alison Ella Ruth | Director | 2003-07-03 | 2004-09-28 |
| MCLEAN, Sandra | Director | 2009-09-24 | 2010-08-03 |
| MILLAR, Roger Edward | Director | 2009-09-24 | 2014-02-13 |
| MORGAN, Bernadette Mary | Director | 2010-07-26 | 2011-05-26 |
| NICOLAOU, Nicholas Christakis | Director | 2011-09-08 | 2016-03-08 |
| OLDROYD, Ann | Director | 2005-07-08 | 2011-07-08 |
| ONG, Roger Charles | Director | 2005-07-08 | 2011-07-08 |
| PICKARD, Lisa Jane | Director | 2020-02-06 | 2024-12-09 |
| RIVERS, Clive John | Director | 2016-07-16 | 2017-03-28 |
| ROBSON, Alison | Director | 2004-06-25 | 2010-02-26 |
| ROLO, Hugh Max | Director | 2011-09-08 | 2016-03-08 |
| TANKARD, Jennifer Lianne | Director | 2017-01-23 | 2019-05-15 |
| TAYLOR, Ian Paul | Director | 2002-05-16 | 2003-07-03 |
| THOMPSON, Eric | Director | 2007-06-20 | 2011-02-10 |
| TROWBRIDGE, Nigel Derek | Director | 2016-03-08 | 2016-10-20 |
| TYAS, Richard | Director | 2011-09-08 | 2012-09-12 |
| WALKER, Steven William, Dr | Director | 2015-03-04 | 2016-03-08 |
| WALLIS, Robert David | Director | 2011-09-08 | 2015-03-05 |
| WAUD, Stephen Arthur, Mr. | Director | 2007-06-20 | 2016-03-08 |
Ownership
Persons with significant control
Filing timeline
Last 20 of 227 total filings
Material constitutional events — rename, articles re-file, resolution
- 2023-12-18 RESOLUTIONS Resolution
- 2023-12-18 MA Memorandum articles
- 2023-12-11 CC04 Statement of companys objects
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-09-22 | AA | accounts | Accounts with accounts type full | |
| 2026-04-08 | TM01 | officers | Termination director company with name termination date | |
| 2025-12-01 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-10-06 | TM01 | officers | Termination director company with name termination date | |
| 2025-10-06 | AP01 | officers | Appoint person director company with name date | |
| 2025-08-28 | AA | accounts | Accounts with accounts type full | |
| 2025-08-26 | TM01 | officers | Termination director company with name termination date | |
| 2024-12-09 | TM01 | officers | Termination director company with name termination date | |
| 2024-12-04 | AP01 | officers | Appoint person director company with name date | |
| 2024-11-19 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-11-04 | AP01 | officers | Appoint person director company with name date | |
| 2024-08-18 | AA | accounts | Accounts with accounts type full | |
| 2023-12-18 | RESOLUTIONS | resolution | Resolution | |
| 2023-12-18 | MA | incorporation | Memorandum articles | |
| 2023-12-11 | CC04 | change-of-constitution | Statement of companys objects | |
| 2023-11-20 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-07-20 | AA | accounts | Accounts with accounts type full | |
| 2023-03-21 | TM01 | officers | Termination director company with name termination date | |
| 2022-11-22 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-10-05 | AP01 | officers | Appoint person director company with name date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 5
- Capital events
- 0
- Officers appointed
- 1
- 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.