ARDENT CREDIT SERVICES LIMITED
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Next accounts due
2026-09-30 (in 4mo)
Last filed for 2024-12-31
Confirmation statement due
2027-03-24 (in 10mo)
Last made up 2026-03-10
Watchouts
None on the register
Cash
£3M
Latest balance sheet
Net assets
£2M
Equity attributable
Employees
133
highest in 5 filed years
Profit before tax
£2M
Period ending 2024-12-31
Net assets
7-year trend · vs Financials median
Accounts
7-year trend · latest reflected 2024-12-31
| Metric | Trend | 2018-06-30 | 2019-06-30 | 2020-06-30 | 2021-06-30 | 2022-06-30 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|---|---|---|---|---|
| Turnover | — | — | — | — | — | £11,959,282 | £10,337,184 | |
| Operating profit | — | — | — | — | — | £3,354,837 | £2,240,826 | |
| Profit before tax | — | — | — | — | — | £3,401,069 | £2,190,515 | |
| Net profit | — | — | £1,012,487 | — | — | £2,645,018 | £1,902,197 | |
| Cash | — | — | £2,666,020 | £4,223,472 | £5,277,703 | £2,453,712 | £2,771,358 | |
| Total assets less current liabilities | — | — | £2,076,500 | £3,749,289 | £4,650,024 | £341,057 | £2,690,359 | |
| Net assets | — | — | £2,053,576 | £3,236,781 | £4,627,363 | £322,411 | £2,224,608 | |
| Equity | — | £1,267,299 | £2,053,576 | £3,236,781 | £4,627,363 | £322,411 | £2,224,608 | |
| Average employees | — | — | 83 | 82 | 84 | 109 | 133 | |
| Wages | — | — | — | — | — | — | — | |
| Directors' remuneration | — | — | — | — | — | £299,869 | £153,125 |
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
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2018-06-30 | 2019-06-30 | 2020-06-30 | 2021-06-30 | 2022-06-30 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|---|---|---|---|---|
| Operating margin | — | — | — | — | — | 28.1% | 21.7% | |
| Net margin | — | — | — | — | — | 22.1% | 18.4% | |
| Return on capital employed | — | — | — | — | — | 983.7% | 83.3% | |
| Current ratio | — | — | — | — | — | 1.08x | 1.84x | |
| Interest cover | — | — | — | — | — | 1485.10x | 42.61x |
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
- ARDENT CREDIT SERVICES LIMITED 2012-09-27 → present
- COMMERCIAL CREDIT MANAGEMENT LIMITED 2003-03-10 → 2012-09-27
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Standalone (parent only)
- Auditor
- EisnerAmper Audit Limited
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“In auditing the financial statements, we have concluded that the director's 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 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.”
Significant events
- “These loans were paid off in full on 26 March 2025 as part of a group loan restructure and syndication project.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
5 active · 4 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| CHERRY, Nicholas John | Director | 2023-04-19 | Jul 1974 | British |
| COHEN, Adam Scott | Director | 2023-04-19 | May 1971 | American |
| ENDERS, Howard Alan | Director | 2023-04-19 | Sep 1971 | American |
| PHILLIPS, Matthew Mark | Director | 2023-04-19 | Jan 1970 | American |
| RICKETTS, John Norman | Director | 2017-06-01 | Jul 1961 | British |
Show 4 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| HANNAH, Scott James | Secretary | 2003-03-10 | 2007-03-26 |
| MURRAY, Julie | Secretary | 2007-03-27 | 2023-04-19 |
| MURRAY, Stephen Frederick | Director | 2003-03-10 | 2015-06-17 |
| MURRAY, Steven Frederick | Director | 2015-06-17 | 2023-04-19 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Phillips & Cohen Associates (Uk) Ltd | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2023-04-19 | Active |
| Mrs Julie Murray | Individual | Shares 25–50%, Voting 25–50% | 2016-04-06 | Ceased 2023-04-19 |
| Mr Steven Frederick Murray | Individual | Shares 50–75%, Voting 50–75%, Appoints directors | 2016-04-06 | Ceased 2023-04-19 |
Filing timeline
Last 20 of 98 total filings
Material constitutional events — rename, articles re-file, resolution
- 2023-08-29 MA Memorandum articles
- 2023-08-29 RESOLUTIONS Resolution
- 2023-08-22 CC04 Statement of companys objects
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-03-20 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-10-02 | AAMD | accounts | Accounts amended with accounts type full | |
| 2025-07-09 | AA | accounts | Accounts with accounts type full | |
| 2025-03-12 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-12-18 | CH01 | officers | Change person director company with change date | |
| 2024-12-18 | CH01 | officers | Change person director company with change date | |
| 2024-12-18 | CH01 | officers | Change person director company with change date | |
| 2024-12-17 | CH01 | officers | Change person director company with change date | |
| 2024-12-17 | CH01 | officers | Change person director company with change date | |
| 2024-12-05 | AD03 | address | Move registers to sail company with new address | |
| 2024-12-05 | AD02 | address | Change sail address company with new address | |
| 2024-07-02 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2024-05-04 | AA | accounts | Accounts with accounts type total exemption full | |
| 2024-04-12 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2023-08-29 | MA | incorporation | Memorandum articles | |
| 2023-08-29 | RESOLUTIONS | resolution | Resolution | |
| 2023-08-22 | CC04 | change-of-constitution | Statement of companys objects | |
| 2023-06-28 | AA01 | accounts | Change account reference date company current extended | |
| 2023-05-04 | AD01 | address | Change registered office address company with date old address new address | |
| 2023-04-27 | AD01 | address | Change registered office address company with date old address new address |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 3
- 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.