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CAR BENEFIT CAR SCHEMES LIMITED

#04721310 · Active · Incorporated 2003-04-02 (23y 6m) · Last filing 2026-09-28 (1mo ago)
Financials · SIC 64929 · K Financial & Insurance Activities · Full accounts
Accounts due 2027-09-30 (in 12 months) · Confirmation due 2027-04-16 (in 6 months) · No watchouts on the register

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Cash

£1.7m

-55.6% lowest in 3 filed years

Net assets

£10m

+20.2% highest in 3 filed years

Employees

178

+5.3% highest in 3 filed years

Profit before tax

£2.3m

-10.8% lowest in 3 filed years

Accounts

3-year trend · Δ = latest vs prior filed period · latest reflected 2025-12-31

Metric Trend 2023-12-312024-12-312025-12-31 Δ vs prior
Turnover £54,933,776£61,440,573£63,438,627 +3.3%
Operating profit £8,506,743£6,515,951£6,005,440 -7.8%
Profit before tax £4,283,967£2,573,947£2,297,229 -10.8%
Net profit £3,285,125£1,930,182£1,723,614 -10.7%
Cash £2,824,074£3,800,801£1,687,501 -55.6%
Total assets less current liabilities £14,694,793£20,144,555£29,482,569 +46.4%
Net assets £8,536,718£8,549,395£10,273,009 +20.2%
Equity £8,536,718£8,549,395£10,273,009 +20.2%
Average employees 158169178 +5.3%
Wages £22,130,343£26,923,545£28,735,559 +6.7%
Directors' remuneration £12,954,555£16,053,158£17,158,800 +6.9%
Directors' pension contributions £25,381£26,726£27,678 +3.6%
Highest paid director £4,089,477£4,946,137£5,266,799 +6.5%

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 2023-12-312024-12-312025-12-31
Operating margin 15.5%10.6%9.5%
Net margin 6.0%3.1%2.7%
Return on capital employed 57.9%32.3%20.4%
Gearing (liabilities / total assets) 98.1%97.8%97.4%
Current ratio 1.03x1.00x1.00x
Interest cover 1.97x1.61x1.59x

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

  1. CAR BENEFIT CAR SCHEMES LIMITED 2008-03-04 → present
  2. COS LOGISTICS LIMITED 2003-04-02 → 2008-03-04

Audit & accounting basis

Accounting basis
FRS 102
Reporting scope
Standalone (parent only)
Auditor
Deloitte LLP
Audit opinion
Unqualified (clean)
Going concern
Affirmed

“Having considered the company's cash flow and liquidity requirements together with the group forecasts, the directors have a reasonable expectation that the company will continue to operate for at least twelve months from the date of approval of the financial statements.”

Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers

People

5 active · 3 resigned

Name Role Appointed Born Nationality
TAYLOR, Paul Stephen Secretary 2005-11-22 — British
DAVIES, Neil Kevin Director 2003-04-02 Aug 1964 British
MAGUIRE, Martin Joseph Director 2003-04-02 May 1967 Northern Irish
STUDHOLME, Dennis Director 2003-04-02 Dec 1949 British
TAYLOR, Paul Stephen Director 2005-11-22 Jun 1975 British
Show 3 resigned officers
Name Role Appointed Resigned
STUDHOLME, Mary Christine Secretary 2003-04-02 2005-11-22
SWIFT INCORPORATIONS LIMITED Corporate Nominee Secretary 2003-04-02 2003-04-02
O'NEILL, Gerard Gregory Director 2003-04-02 2015-04-03

Ownership

Persons with significant control

Name Kind Nature of control Notified Status
Car Benefit Holdings Limited Corporate entity Shares 75–100% 2016-04-06 Active

Filing timeline

Last 20 of 209 total filings

Date Type Category Description
2026-09-28 AA accounts Accounts with accounts type full
2026-07-01 CH01 officers Change person director company with change date PDF
2026-07-01 CH01 officers Change person director company with change date PDF
2026-04-14 CS01 confirmation-statement Confirmation statement with no updates PDF
2025-09-26 AA accounts Accounts with accounts type full
2025-04-10 CS01 confirmation-statement Confirmation statement with no updates PDF
2024-10-04 MR01 mortgage Mortgage create with deed with charge number charge creation date PDF
2024-09-23 AA accounts Accounts with accounts type full
2024-04-12 CS01 confirmation-statement Confirmation statement with no updates PDF
2024-03-08 MR01 mortgage Mortgage create with deed with charge number charge creation date PDF
2023-10-02 AA accounts Accounts with accounts type full
2023-04-12 CS01 confirmation-statement Confirmation statement with no updates PDF
2022-10-26 MR01 mortgage Mortgage create with deed with charge number charge creation date
2022-10-26 MR01 mortgage Mortgage create with deed with charge number charge creation date
2022-10-26 MR01 mortgage Mortgage create with deed with charge number charge creation date
2022-10-26 MR01 mortgage Mortgage create with deed with charge number charge creation date
2022-09-27 AA accounts Accounts with accounts type full
2022-05-30 CS01 confirmation-statement Confirmation statement with no updates PDF
2021-12-23 MR01 mortgage Mortgage create with deed with charge number charge creation date PDF
2021-12-23 MR01 mortgage Mortgage create with deed with charge number charge creation date PDF

Public-record activity

Raw counts from Companies House — last 12–24 months

Filings
4

last 12 months

Capital events
0

last 24 months

Officers appointed
0

last 12 months

Officers resigned
0

last 12 months

Direct counts from the register. No score, no rating — see the Filing timeline for the underlying events.

Official Companies House page