INTERNATIONAL PERSONAL FINANCE PLC
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Cash
—
Latest balance sheet
Net assets
—
Equity attributable
Employees
7,806
+8.4% highest in 3 filed years
Profit before tax
£85M
+16.4% vs 2024
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 |
|---|---|---|---|---|---|
| Net interest income | — | — | — | — | |
| Fee & commission income | — | — | — | — | |
| Operating income | — | — | — | — | |
| Impairment losses | — | £127,500,000 | £126,800,000 | -0.5% | |
| Profit before tax | £119,000,000 | £73,300,000 | £85,300,000 | +16.4% | |
| Net profit | — | — | — | — | |
| Loans & advances to customers | — | £245,600,000 | £291,100,000 | +18.5% | |
| Customer deposits | — | — | — | — | |
| Total assets | £1,295,300,000 | £1,141,700,000 | — | — | |
| Total liabilities | — | £675,500,000 | £791,300,000 | +17.1% | |
| Equity | £501,900,000 | £513,400,000 | — | — | |
| Average employees | 7,772 | 7,204 | 7,806 | +8.4% |
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 | 25.0% | 38.6% | — | |
| Return on capital employed | 18.3% | 32.7% | — | |
| Gearing (liabilities / total assets) | 61.3% | 55.0% | — | |
| Current ratio | 2.91x | 2.93x | — | |
| Interest cover | 2.66x | 3.90x | — |
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
- INTERNATIONAL PERSONAL FINANCE PLC 2007-05-24 → present
- BRIDGESUN (3) LIMITED 2006-12-05 → 2007-05-24
Audit & accounting basis
- Accounting basis
- IFRS
- Reporting scope
- Consolidated group
- Auditor
- PKF Littlejohn LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The Board has taken into account the Group's financial forecasts, including an assessment of current and future funding, liquidity and regulatory covenants. The forecasts have been prepared for the two years to 31 December 2027 and assume the Group continues to be able to access existing and future funding markets. These forecasts represent the evaluation of the Group’s performance, and in particular the evolution of the Group’s cash flows from operating activities, as well as management’s best assumption regarding the renewal/exercise of external funding facilities. The Board considered the inherent forecasts and concluded there were no material uncertainties that would indicate a significant doubt over the Group’s ability to continue as a going concern. The Board has adopted the going concern basis in preparing the 2025 Annual Report and Financial Statements.”
Group structure
- INTERNATIONAL PERSONAL FINANCE PLC · parent
- IFP Digital Estonia OU 100%
- Provident Digital 100%
- IFP Digital Australia Pty Limited 100%
- IPF Financial Limited 100%
- Provident Romania S.A. 100%
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
7 active · 29 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| DUNN, Georgia | Secretary | 2026-04-30 | — | — |
| CLIFFE, Katrina Jane | Director | 2022-08-01 | Nov 1966 | British |
| HOLMES, William Richard | Director | 2020-03-16 | Nov 1952 | British |
| RYAN, Gerard Jude | Director | 2012-01-17 | Sep 1964 | Irish |
| SINCLAIR, Stuart William | Director | 2020-03-16 | Jun 1953 | British |
| THOMPSON, Gary Howard | Director | 2022-04-04 | May 1973 | British |
| WALLACE, Aileen | Director | 2022-12-20 | Dec 1970 | British |
Show 29 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| CRANE, Thomas | Secretary | 2022-11-11 | 2026-04-30 |
| DOBSON, Laura Jane | Secretary | 2021-05-01 | 2022-11-11 |
| ELLIS, Trudy | Secretary | 2017-01-18 | 2017-06-07 |
| MARSHALL SMITH, Rosamond Joy | Secretary | 2007-01-02 | 2012-07-19 |
| MURPHY, Benjamin Craig | Secretary | 2012-07-19 | 2017-01-18 |
| ORMROD, James Alexander | Secretary | 2017-06-07 | 2021-05-01 |
| VERSLUYS, Emma Gayle | Secretary | 2006-12-05 | 2007-01-02 |
| ALMOND, Jayne Doreen | Director | 2015-06-23 | 2018-05-04 |
| BROADBENT, David Edward Spencer | Director | 2007-03-30 | 2016-02-23 |
| DAVIS, Deborah Lee | Director | 2018-10-18 | 2025-05-01 |
| FISHER, Andrew Charles | Director | 2007-01-02 | 2007-03-30 |
| GARDNER, Adrian David Edmund | Director | 2014-01-02 | 2016-09-21 |
| GREGSON, Charles Henry | Director | 2007-07-16 | 2012-05-09 |
| HALES, Antony John | Director | 2007-07-16 | 2019-05-02 |
| HARNETT, John Arthur | Director | 2007-01-02 | 2012-03-31 |
| KUREK, Edyta Bogumila | Director | 2010-02-15 | 2015-01-16 |
| LOCKWOOD, Justin Ashley | Director | 2017-02-23 | 2021-07-23 |
| LORIMER, John Howard | Director | 2010-05-12 | 2013-04-25 |
| MANGELAARS, Johannes Jacobus | Director | 2015-07-22 | 2022-12-20 |
| MARSHALL SMITH, Rosamond Joy | Director | 2006-12-05 | 2007-01-02 |
| MILES, Raymond Reginald | Director | 2007-07-16 | 2010-05-12 |
| MOAT, Richard Frank | Director | 2012-07-01 | 2021-04-29 |
| O'CONNOR, Daniel Noel | Director | 2015-01-02 | 2020-04-30 |
| PAGE, Nicholas Hurst | Director | 2007-07-16 | 2015-12-17 |
| RILEY, Cathryn Elizabeth | Director | 2014-02-12 | 2021-04-29 |
| RODRIGUES, Christopher John | Director | 2007-07-16 | 2015-04-30 |
| SHANNON, Craig Neil | Director | 2009-05-13 | 2010-08-06 |
| SYIEK, Bronwyn, Mrs. | Director | 2018-10-18 | 2022-07-20 |
| VERSLUYS, Emma Gayle | Director | 2006-12-05 | 2007-01-02 |
Ownership
Persons with significant control
Filing timeline
Last 20 of 440 total filings
Material constitutional events — rename, articles re-file, resolution
- 2026-05-23 RESOLUTIONS Resolution
- 2026-05-23 RESOLUTIONS Resolution
- 2026-03-18 RESOLUTIONS Resolution
- 2026-03-18 MA Memorandum articles
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-05-31 | AA | accounts | Accounts with accounts type group | |
| 2026-05-23 | RESOLUTIONS | resolution | Resolution | |
| 2026-05-23 | RESOLUTIONS | resolution | Resolution | |
| 2026-05-22 | SH04 | capital | Capital sale or transfer treasury shares with date currency capital figure | |
| 2026-05-21 | TM02 | officers | Termination secretary company with name termination date | |
| 2026-05-06 | TM02 | officers | Termination secretary company | |
| 2026-05-05 | AP03 | officers | Appoint person secretary company with name date | |
| 2026-04-17 | SH04 | capital | Capital sale or transfer treasury shares with date currency capital figure | |
| 2026-03-18 | RESOLUTIONS | resolution | Resolution | |
| 2026-03-18 | MA | incorporation | Memorandum articles | |
| 2026-02-10 | SH04 | capital | Capital sale or transfer treasury shares with date currency capital figure | |
| 2025-12-04 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-12-03 | SH04 | capital | Capital sale or transfer treasury shares with date currency capital figure | |
| 2025-08-19 | SH04 | capital | Capital sale or transfer treasury shares with date currency capital figure | |
| 2025-08-01 | SH04 | capital | Capital sale or transfer treasury shares with date currency capital figure | |
| 2025-06-03 | SH04 | capital | Capital sale or transfer treasury shares with date currency capital figure | |
| 2025-06-03 | SH04 | capital | Capital sale or transfer treasury shares | |
| 2025-06-03 | SH04 | capital | Capital sale or transfer treasury shares with date currency capital figure | |
| 2025-06-02 | SH06 | capital | Capital cancellation shares | |
| 2025-05-15 | AA | accounts | Accounts with accounts type group |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 15
- Capital events
- 10
- Officers appointed
- 1
- 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.