INTERBAY ASSET FINANCE LIMITED
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Next accounts due
2026-09-30 (in 4mo)
Last filed for 2024-12-31
Confirmation statement due
2026-10-28 (in 5mo)
Last made up 2025-10-14
Watchouts
Cash
—
Latest balance sheet
Net assets
£7M
+162.3% vs 2023
Employees
29
+20.8% vs 2023
Profit before tax
£5M
+70.2% vs 2023
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
1 PSC ceased in last 24 months
Significant control changed hands — see the Ownership section.
Net assets
2-year trend · vs Financials median
Accounts
2-year trend · latest reflected 2024-12-31
| Metric | Trend | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Turnover | £19,457,000 | £31,606,000 | |
| Operating profit | — | — | |
| Profit before tax | £3,169,000 | £5,393,000 | |
| Net profit | £2,403,000 | £4,019,000 | |
| Cash | — | — | |
| Total assets less current liabilities | £2,633,000 | £7,062,000 | |
| Net assets | £2,633,000 | £6,907,000 | |
| Equity | £2,633,000 | £6,907,000 | |
| Average employees | 24 | 29 | |
| Wages | — | — | |
| Directors' remuneration | — | — |
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
-
Turnover
+62.4%
£19,457,000 £31,606,000
-
Cash
—
Not reported
-
Net assets
+162.3%
£2,633,000 £6,907,000
-
Employees
+20.8%
24 29
-
Profit before tax
+70.2%
£3,169,000 £5,393,000
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 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Net margin | 12.4% | 12.7% | |
| Current ratio | 0.00x | 0.00x |
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
- INTERBAY ASSET FINANCE LIMITED 2018-06-27 → present
- 5D LENDING LTD 2006-09-08 → 2018-06-27
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Standalone (parent only)
- Auditor
- Deloitte LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“Having reviewed these assessments, the Directors have concluded that the Company has sufficient resources to continue in operational existence for a period in excess of 12 months from the date of this report and as a result, it is appropriate to prepare these financial statements on a going concern basis.”
Significant events
- “On 18 March 2024, the Company purchased £100.6m of CMF 2020-1 loans at par value from Broadlands Finance Limited which had exercised its call option to redeem the loans.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
6 active · 21 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| MANN, Melanie | Secretary | 2023-06-02 | — | — |
| FAZAKERLEY, Paul | Director | 2018-06-27 | Jan 1967 | British |
| GOODSHIP, Mark David | Director | 2026-02-12 | Jun 1975 | British |
| HALL, Jonathan Edward | Director | 2026-04-01 | Jan 1969 | British |
| HURST, Nicholas | Director | 2026-02-12 | Jul 1980 | British |
| WILSON, Richard | Director | 2018-06-27 | Jul 1972 | British |
Show 21 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| DUFF, Rory | Secretary | 2006-09-08 | 2006-10-24 |
| FELICIEN, Tatiana | Secretary | 2013-06-19 | 2016-12-07 |
| GRAHAM-BURRELL, Nickesha | Secretary | 2016-12-07 | 2023-06-02 |
| HODSON, William Laurence | Secretary | 2006-10-24 | 2013-06-19 |
| BECH, Jens Linnemann | Director | 2018-06-27 | 2026-03-31 |
| BELL, Colin Alexander | Director | 2008-09-26 | 2014-12-18 |
| DUFF, Rory | Director | 2006-09-08 | 2010-12-13 |
| EASTGATE, John Patrick | Director | 2013-09-18 | 2018-06-27 |
| ESPLEY, Owen John | Director | 2007-07-16 | 2008-04-18 |
| HODSON, William Laurence | Director | 2006-10-24 | 2013-03-08 |
| HOWARD, Douglas Andrew | Director | 2006-10-24 | 2007-08-24 |
| HOWARD, Ronald Keith | Director | 2006-10-24 | 2007-07-16 |
| KORNITZER, Clive David | Director | 2014-12-17 | 2025-09-01 |
| KORNITZER, Clive David | Director | 2013-03-20 | 2013-09-18 |
| PARKES, Andrew Leslie | Director | 2014-12-17 | 2018-06-27 |
| PARRETT, Mark James | Director | 2011-04-01 | 2018-06-27 |
| RICHARDSON, Neil Alan | Director | 2013-03-20 | 2014-12-18 |
| RICHARDSON, Neil Alan | Director | 2008-09-26 | 2011-10-10 |
| SALES, Christopher Michael | Director | 2006-09-08 | 2008-08-18 |
| SHAMIM, Saira | Director | 2006-10-24 | 2009-03-27 |
| SHARMA, Tarun | Director | 2010-12-13 | 2012-08-28 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Onesavings Bank Plc | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2025-09-11 | Active |
| Inter Bay Financial I Limited | Corporate entity | Shares 75–100% | 2016-04-06 | Ceased 2025-09-11 |
Filing timeline
Last 20 of 123 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-04-01 | AP01 | officers | Appoint person director company with name date | |
| 2026-03-31 | TM01 | officers | Termination director company with name termination date | |
| 2026-02-26 | AP01 | officers | Appoint person director company with name date | |
| 2026-02-26 | AP01 | officers | Appoint person director company with name date | |
| 2026-02-06 | PSC05 | persons-with-significant-control | Change to a person with significant control | |
| 2025-10-14 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2025-09-11 | PSC02 | persons-with-significant-control | Notification of a person with significant control | |
| 2025-09-11 | PSC07 | persons-with-significant-control | Cessation of a person with significant control | |
| 2025-09-02 | TM01 | officers | Termination director company with name termination date | |
| 2025-07-01 | PSC05 | persons-with-significant-control | Change to a person with significant control | |
| 2025-06-18 | AA | accounts | Accounts with accounts type full | |
| 2025-01-09 | AD03 | address | Move registers to sail company with new address | |
| 2025-01-08 | AD02 | address | Change sail address company with old address new address | |
| 2024-10-14 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-06-18 | AA | accounts | Accounts with accounts type full | |
| 2023-10-18 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-07-15 | AA | accounts | Accounts with accounts type full | |
| 2023-06-15 | AP03 | officers | Appoint person secretary company with name date | |
| 2023-06-15 | TM02 | officers | Termination secretary company with name termination date | |
| 2022-10-19 | CS01 | confirmation-statement | Confirmation statement with no updates |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 11
- Capital events
- 0
- Officers appointed
- 3
- Officers resigned
- 2
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.