CENTRAL LOANS LIMITED
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Cash
£37K
-15.9% lowest in 3 filed years
Net assets
£54K
-8.5% lowest in 3 filed years
Employees
40
-7% lowest in 3 filed years
Profit before tax
-£1.2M
-145.3% lowest in 3 filed years
Net assets
3-year trend · vs Financials 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 |
|---|---|---|---|---|---|
| Turnover | £2,697,000 | £3,489,000 | £2,815,000 | -19.3% | |
| Operating profit | -£1,127,000 | -£492,000 | -£1,207,000 | -145.3% | |
| Profit before tax | -£1,127,000 | -£492,000 | -£1,207,000 | -145.3% | |
| Net profit | -£864,000 | -£370,000 | -£905,000 | -144.6% | |
| Cash | £238,000 | £44,000 | £37,000 | -15.9% | |
| Total assets less current liabilities | £129,000 | £59,000 | £54,000 | -8.5% | |
| Net assets | £129,000 | £59,000 | £54,000 | -8.5% | |
| Equity | £129,000 | £59,000 | £54,000 | -8.5% | |
| Average employees | 44 | 43 | 40 | -7% | |
| Wages | £1,933,000 | £1,975,000 | £1,811,000 | -8.3% | |
| Directors' remuneration | £112,000 | £207,000 | £279,000 | +34.8% |
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 | -41.8% | -14.1% | -42.9% | |
| Net margin | -32.0% | -10.6% | -32.1% | |
| Return on capital employed | -873.6% | -833.9% | -2235.2% | |
| Current ratio | 1.28x | 1.32x | 1.15x |
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 3 times since incorporation
- CENTRAL LOANS LIMITED 2007-05-16 → present
- CENTRAL LOAN PROCESSING LIMITED 2005-07-19 → 2007-05-16
- PROGRESSIVE LOAN PROCESSING SERVICES LIMITED 2001-05-31 → 2005-07-19
- EDITPORT LIMITED 2001-04-25 → 2001-05-31
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Standalone (parent only)
- Auditor
- Lovewell Blake LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The Company has received confirmation from its immediate parent company, Norfolk Capital Group Limited, that Norfolk Capital Group Limited intends to support the Company, such as to allow it to pay its debts as they fall due, for at least one year after these financial statements are signed. Accordingly, the directors have prepared these financial statements on a going concern basis.”
Significant events
- “The Company's turnover decreased by 19% compared with 2024. During the year, the Company explored various marketing approaches in an effort to stimulate revenue growth, however the income generated from some of these campaigns did not justify the associated costs and consequently these initiatives were placed on hold.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
5 active · 20 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| CROSS, Tara | Secretary | 2024-11-01 | — | — |
| HOLLANDER, Paul Joseph | Director | 2017-01-16 | Sep 1980 | British |
| NOBBS, Steven Robert | Director | 2023-11-03 | Mar 1978 | British |
| TURNER, Andrew Clive | Director | 2001-05-08 | Jun 1958 | British |
| ZAMMIT, Paul John David | Director | 2022-10-18 | Apr 1985 | British |
Show 20 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| RICHARDSON, Anthony | Secretary | 2008-03-20 | 2024-11-01 |
| SULLIVAN, John Terance | Secretary | 2005-02-17 | 2007-09-14 |
| TURNER, Sharon Leigh | Secretary | 2007-09-14 | 2008-03-20 |
| TURNER, Sharon Leigh | Secretary | 2001-05-08 | 2005-02-17 |
| HALLMARK SECRETARIES LIMITED | Corporate Nominee Secretary | 2001-04-25 | 2001-05-08 |
| BRAY, Jonathan | Director | 2012-03-19 | 2014-06-02 |
| CHAPMAN, Nicholas James Alfred | Director | 2006-05-23 | 2007-12-31 |
| EKE, Graham Charles | Director | 2011-07-11 | 2017-01-16 |
| FAIRMAN, Richard William Mark | Director | 2007-12-31 | 2009-05-19 |
| GLEN, Eleanor Alice | Director | 2024-12-03 | 2026-04-30 |
| KEANE, Kevin Patrick | Director | 2012-11-27 | 2018-02-28 |
| MASDING, Jeremy John | Director | 2007-12-31 | 2009-11-12 |
| MCGRATH, Ryan James | Director | 2009-04-09 | 2021-10-31 |
| MCGRATH, Ryan James | Director | 2004-09-15 | 2007-12-31 |
| MCMAHON, Jane Elizabeth | Director | 2016-10-14 | 2018-04-30 |
| PAINTER, Jonathan David | Director | 2009-06-30 | 2016-09-19 |
| ROWETT, Charles Francis Sam | Director | 2009-11-26 | 2011-01-07 |
| SULLIVAN, John Terance | Director | 2006-05-23 | 2007-09-14 |
| TURNER, Sharon Leigh | Director | 2001-05-08 | 2009-03-24 |
| HALLMARK REGISTRARS LIMITED | Corporate Nominee Director | 2001-04-25 | 2001-05-08 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Norfolk Capital Group Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Active |
Filing timeline
Last 20 of 203 total filings
Material constitutional events — rename, articles re-file, resolution
- 2026-05-24 RESOLUTIONS Resolution
- 2026-02-14 RESOLUTIONS Resolution
- 2025-12-28 RESOLUTIONS Resolution
- 2025-12-03 RESOLUTIONS Resolution
- 2025-10-10 RESOLUTIONS Resolution
- 2025-09-02 RESOLUTIONS Resolution
- 2025-07-04 RESOLUTIONS Resolution
- 2025-05-13 RESOLUTIONS Resolution
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-05-24 | RESOLUTIONS | resolution | Resolution | |
| 2026-05-14 | AA | accounts | Accounts with accounts type full | |
| 2026-05-07 | SH01 | capital | Capital allotment shares | |
| 2026-05-07 | TM01 | officers | Termination director company with name termination date | |
| 2026-04-28 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2026-04-28 | CH01 | officers | Change person director company with change date | |
| 2026-02-14 | RESOLUTIONS | resolution | Resolution | |
| 2026-02-09 | CH01 | officers | Change person director company with change date | |
| 2026-02-05 | SH01 | capital | Capital allotment shares | |
| 2025-12-28 | RESOLUTIONS | resolution | Resolution | |
| 2025-12-19 | SH01 | capital | Capital allotment shares | |
| 2025-12-03 | RESOLUTIONS | resolution | Resolution | |
| 2025-11-28 | SH01 | capital | Capital allotment shares | |
| 2025-10-10 | RESOLUTIONS | resolution | Resolution | |
| 2025-10-07 | SH01 | capital | Capital allotment shares | |
| 2025-09-02 | RESOLUTIONS | resolution | Resolution | |
| 2025-08-29 | SH01 | capital | Capital allotment shares | |
| 2025-07-04 | RESOLUTIONS | resolution | Resolution | |
| 2025-07-01 | SH01 | capital | Capital allotment shares | |
| 2025-05-13 | RESOLUTIONS | resolution | Resolution |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 19
- Capital events
- 7
- Officers appointed
- 0
- Officers resigned
- 1
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.