GOLDENTREE FINANCIAL SERVICES PLC
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Cash
—
Latest balance sheet
Net assets
£17m
-7.6% lowest in 3 filed years
Employees
24
-11.1% lowest in 3 filed years
Profit before tax
£2.8m
+30.3% vs 2025
Net assets
3-year trend · vs Financials median
Accounts
3-year trend · Δ = latest vs prior filed period · latest reflected 2026-03-31
| Metric | Trend | 2024-03-31 | 2025-03-31 | 2026-03-31 | Δ vs prior |
|---|---|---|---|---|---|
| Net interest income | — | £5,592,231 | £4,255,066 | -23.9% | |
| Fee & commission income | — | £2,580,590 | £1,742,513 | -32.5% | |
| Operating income | — | £8,172,821 | £5,997,579 | -26.6% | |
| Impairment losses | — | £3,973,739 | £638,298 | -83.9% | |
| Profit before tax | £6,648,516 | £2,142,761 | £2,791,210 | +30.3% | |
| Net profit | £4,984,527 | £1,599,268 | £2,088,778 | +30.6% | |
| Loans & advances to customers | — | £114,629,373 | £119,425,141 | +4.2% | |
| Customer deposits | — | — | — | — | |
| Total assets | £133,329,882 | £116,943,524 | £121,096,724 | +3.6% | |
| Total liabilities | £110,259,093 | £98,273,467 | £103,837,889 | +5.7% | |
| Equity | £23,070,789 | £18,670,057 | £17,258,335 | -7.6% | |
| Average employees | 29 | 27 | 24 | -11.1% |
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 | 2024-03-31 | 2025-03-31 | 2026-03-31 |
|---|---|---|---|---|
| Operating margin | 37.7% | 13.2% | — | |
| Net margin | 28.3% | 9.9% | — | |
| Return on capital employed | 11.8% | 4.1% | — | |
| Gearing (liabilities / total assets) | 82.7% | 84.0% | — | |
| Current ratio | 1.73x | 1.81x | — | |
| Interest cover | 0.95x | 0.29x | — |
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 2 times since incorporation
- GOLDENTREE FINANCIAL SERVICES PLC 2004-11-01 → present
- GOLDENTREE FINANCIAL SERVICES LIMITED 2001-04-17 → 2004-11-01
- TRAFALGAR 2000 FINANCE LIMITED 2001-03-14 → 2001-04-17
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Standalone (parent only)
- Auditor
- Mitchell Charlesworth (Audit) Limited
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“At the time of approving the financial statements, the directors have a reasonable expectation that the company has adequate resources to continue in operational existence for the foreseeable future.”
Group structure
- GOLDENTREE FINANCIAL SERVICES PLC · parent
- Birchwood Mortgages Limited 100%
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
5 active · 10 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| CLOUGH, Kathryn Elizabeth | Secretary | 2021-07-05 | — | — |
| BICKERTON, Susan Catherine | Director | 2014-12-08 | Apr 1963 | British |
| DERBYSHIRE, Philip John | Director | 2018-01-08 | May 1983 | British |
| DONE, Fred | Director | 2009-10-01 | Mar 1943 | British |
| MARSH, Steven Robert | Director | 2010-10-04 | Mar 1961 | British |
Show 10 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BICKERTON, Susan Catherine | Secretary | 2020-06-24 | 2021-07-05 |
| CLOUGH, Kathryn Elizabeth | Secretary | 2014-12-08 | 2020-06-24 |
| LONGDEN, Steven | Secretary | 2009-10-01 | 2014-12-08 |
| MARTIN, Wade | Secretary | 2001-03-16 | 2009-10-01 |
| BRIGHTON SECRETARY LIMITED | Corporate Nominee Secretary | 2001-03-14 | 2001-03-16 |
| JOHNSON, John | Director | 2001-03-16 | 2002-04-27 |
| MARTIN, Wade | Director | 2001-03-16 | 2009-10-01 |
| NIGHTINGALE, Barry Graham Kirk | Director | 2009-10-09 | 2014-12-08 |
| WHITEHEAD, Gary Mark | Director | 2001-03-16 | 2009-10-09 |
| BRIGHTON DIRECTOR LIMITED | Corporate Nominee Director | 2001-03-14 | 2001-03-16 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Mrs Nicola Anne Done-Orrell | Individual | Shares 50–75%, Voting 50–75%, Appoints directors | 2026-03-25 | Active |
| Mrs Joanne Louise Whittaker | Individual | Shares 50–75%, Voting 50–75%, Appoints directors | 2026-03-25 | Active |
| Mrs Maureen Done | Individual | Shares 50–75% | 2016-04-06 | Ceased 2018-07-07 |
| Mr Peter Eric Done | Individual | Shares 25–50%, Voting 25–50% | 2016-04-06 | Active |
| Mr Fred Done | Individual | Shares 50–75%, Voting 50–75%, Appoints directors | 2016-04-06 | Active |
Filing timeline
Last 20 of 130 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-09-29 | AA | accounts | Accounts with accounts type full | |
| 2026-03-30 | PSC01 | persons-with-significant-control | Notification of a person with significant control | |
| 2026-03-30 | PSC01 | persons-with-significant-control | Notification of a person with significant control | |
| 2026-03-30 | PSC04 | persons-with-significant-control | Change to a person with significant control | |
| 2026-03-30 | PSC04 | persons-with-significant-control | Change to a person with significant control | |
| 2026-03-23 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2025-12-09 | CH01 | officers | Change person director company with change date | |
| 2025-12-02 | PSC04 | persons-with-significant-control | Change to a person with significant control | |
| 2025-09-29 | AA | accounts | Accounts with accounts type full | |
| 2025-03-24 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-10-09 | AA | accounts | Accounts with accounts type full | |
| 2024-03-21 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-09-28 | AA | accounts | Accounts with accounts type full | |
| 2023-03-15 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-03-09 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2023-01-17 | CH01 | officers | Change person director company with change date | |
| 2022-09-24 | AA | accounts | Accounts with accounts type full | |
| 2022-05-31 | OC | miscellaneous | Court order | |
| 2022-04-19 | ANNOTATION | miscellaneous | Legacy | |
| 2022-03-16 | CS01 | confirmation-statement | Confirmation statement with no updates |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 8
- 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.