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Next accounts due

2027-04-30 (in 11mo)

Last filed for 2025-07-31

Confirmation statement due

2027-02-27 (in 9mo)

Last made up 2026-02-13

Watchouts

None on the register

Cash

£3M

-2.2% vs 2024

Net assets

£15M

-7.5% vs 2024

Employees

21

0% vs 2024

Profit before tax

£758K

-54.8% vs 2024

Accounts

2-year trend · latest reflected 2025-07-31

Metric Trend 2024-07-312025-07-31
Turnover £7,846,447£7,453,113
Operating profit £3,741,128£2,460,711
Profit before tax £1,674,364£757,622
Net profit £1,254,909£566,263
Cash £2,598,813£2,541,551
Total assets less current liabilities £16,699,717£15,444,512
Net assets £16,688,478£15,434,669
Equity £16,688,478£15,434,669
Average employees 2121
Wages £2,208,159£2,373,488
Directors' remuneration £869,312£963,100

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

FY2024 → FY2025 · period ending 2025-07-31 vs 2024-07-31

Each % is (latest − prior) ÷ |prior| for the line item as filed. The comparison is only shown when the latest and prior accounts cover broadly equal-length periods — short or long stubs (typical around incorporation or a year-end change) are suppressed rather than misrepresented. Lines a company doesn't report are omitted. About these numbers

Ratios

Computed from the line items above — sparklines read oldest → newest

Ratio Trend 2024-07-312025-07-31
Operating margin 47.7%33.0%
Net margin 16.0%7.6%
Return on capital employed 22.4%15.9%
Current ratio 1.61x1.61x
Interest cover 1.50x1.23x

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.

Audit & accounting basis

Accounting basis
FRS 102
Reporting scope
Consolidated group
Auditor
Saffery LLP
Audit opinion
Unqualified (clean)
Going concern
Affirmed

“The Directors have a reasonable expectation that the company and the Group have adequate resources to continue in operational existence for a period of at least twelve months from the date of signing these financial statements. This is supported by a renewal of the Group's existing secured loan facility during the financial year. Thus they continue to adopt the going concern basis in preparing the annual financial statements.”

Group structure

  1. AFFIRMATIVE FINANCE LIMITED · parent
    1. Sprint Loans Limited 100% · England & Wales

Significant events

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

People

4 active · 2 resigned

Name Role Appointed Born Nationality
LEDERBERG, Gary Scott Secretary 2004-03-01 British
ESTERKIN, Eugene Barry Director 2004-03-01 Nov 1958 British
LEDERBERG, Gary Scott Director 2004-03-01 Apr 1972 British
MITCHELL, Paul Edward Director 2006-12-19 Dec 1976 British
Show 2 resigned officers
Name Role Appointed Resigned
YORK PLACE COMPANY SECRETARIES LIMITED Corporate Nominee Secretary 2004-02-13 2004-03-01
YORK PLACE COMPANY NOMINEES LIMITED Corporate Nominee Director 2004-02-13 2004-03-01

Ownership

Persons with significant control

Name Kind Nature of control Notified Status
Mrs Sara Dorn Esterkin Individual Shares 25–50%, Voting 25–50% 2020-11-02 Active
Lord David Alliance Individual Shares 25–50% 2016-04-06 Ceased 2020-11-02
Mr Eugene Barry Esterkin Individual Shares 50–75%, Voting 50–75% 2016-04-06 Active

Filing timeline

Last 20 of 110 total filings

Material constitutional events — rename, articles re-file, resolution

  • 2020-11-12 RESOLUTIONS Resolution
Date Type Category Description
2026-04-18 AA accounts Accounts with accounts type group
2026-02-17 PSC04 persons-with-significant-control Change to a person with significant control PDF
2026-02-13 PSC04 persons-with-significant-control Change to a person with significant control PDF
2026-02-13 CS01 confirmation-statement Confirmation statement with no updates PDF
2025-07-09 MR01 mortgage Mortgage create with deed with charge number charge creation date PDF
2025-04-22 AA accounts Accounts with accounts type group
2025-02-13 CS01 confirmation-statement Confirmation statement with no updates PDF
2024-04-18 AA accounts Accounts with accounts type group
2024-02-13 CS01 confirmation-statement Confirmation statement with no updates PDF
2023-04-25 AA accounts Accounts with accounts type group
2023-02-14 CS01 confirmation-statement Confirmation statement with no updates PDF
2022-04-12 AA accounts Accounts with accounts type group
2022-02-15 CS01 confirmation-statement Confirmation statement with updates PDF
2021-04-26 AA accounts Accounts with accounts type group
2021-02-15 CS01 confirmation-statement Confirmation statement with updates PDF
2020-11-12 SH20 capital Legacy
2020-11-12 SH19 capital Capital statement capital company with date currency figure
2020-11-12 CAP-SS insolvency Legacy
2020-11-12 RESOLUTIONS resolution Resolution
2020-11-02 PSC04 persons-with-significant-control Change to a person with significant control PDF

Public-record activity

Raw counts from Companies House — last 12–24 months

Filings
5

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