WHITE LABEL LENDING LIMITED
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Cash
—
Latest balance sheet
Net assets
—
Equity attributable
Employees
—
Average over period
Profit before tax
—
Period ending 2026-03-31
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
3-year trend · vs Financials median
Accounts
3-year trend · Δ = latest vs prior filed period · latest reflected 2026-03-31
| Metric | Trend | 2024-03-31 | 2025-03-31 | 2026-03-31 | Δ vs prior |
|---|---|---|---|---|---|
| Net interest income | — | £130,000 | £35,000 | -73.1% | |
| Fee & commission income | — | — | — | — | |
| Operating income | — | — | — | — | |
| Impairment losses | — | -£167,000 | -£177,000 | -6% | |
| Profit before tax | £70,000 | £158,000 | — | — | |
| Net profit | £37,000 | £121,000 | — | — | |
| Loans & advances to customers | — | £3,460,000 | £2,843,000 | -17.8% | |
| Customer deposits | — | — | — | — | |
| Total assets | £4,320,000 | £3,598,000 | — | — | |
| Total liabilities | £971,000 | £128,000 | £2,370,000 | +1,751.6% | |
| Equity | £3,349,000 | £3,470,000 | — | — | |
| Average employees | 0 | 0 | — | — |
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 | 2024-03-31 | 2025-03-31 | 2026-03-31 |
|---|---|---|---|---|
| Net margin | 14.2% | 63.4% | — | |
| Gearing (liabilities / total assets) | 22.5% | 3.6% | — | |
| Current ratio | 2.32x | 1.48x | — |
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
- IFRS
- Reporting scope
- Standalone (parent only)
- Auditor
- PricewaterhouseCoopers LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The Directors therefore consider that the Society and Group have adequate resources to continue in operational existence for the next 12 months. In addition to the above, the Directors consider that the Company remains an integral part of the Group.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
4 active · 19 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| PAZZAGLIA, Sophie | Secretary | 2025-03-27 | — | — |
| BOYLE, Martin | Director | 2023-04-04 | Oct 1970 | British |
| PAWLEY, Alexander Shaun | Director | 2020-01-01 | Sep 1982 | British |
| WESTHOFF, Jonathan | Director | 2020-11-27 | Jul 1964 | British |
Show 19 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BARTLEET-CROSS, Susan Lyn | Secretary | 2009-04-29 | 2012-11-28 |
| BRYAN, Aimee Louise | Secretary | 2019-06-06 | 2021-11-29 |
| MANN, Ajwinder Singh | Secretary | 2012-11-28 | 2019-05-30 |
| UNDERHILL, Matthew | Secretary | 2021-11-29 | 2024-11-11 |
| WELCH, Simon Edward | Secretary | 2007-07-23 | 2009-02-11 |
| AT SECRETARIES LIMITED | Corporate Secretary | 2007-06-11 | 2007-07-23 |
| BATTERSBY, Peter | Director | 2009-05-08 | 2009-12-22 |
| FIELD, Paul David | Director | 2013-06-24 | 2014-04-17 |
| JONES, Andrew Richard | Director | 2010-01-25 | 2014-03-31 |
| KARLE, Stephen Ashley | Director | 2007-07-23 | 2008-10-10 |
| LYNCH, Thomas Michael | Director | 2015-07-09 | 2020-01-02 |
| MACKAY, David Michael | Director | 2007-07-23 | 2008-11-27 |
| MCMILLAN, Sean David | Director | 2007-07-23 | 2015-07-09 |
| NOAKES, Neil Timothy | Director | 2014-03-31 | 2023-04-17 |
| OWEN, Robert John | Director | 2007-07-23 | 2009-04-02 |
| SANGHANI, Kamlesh | Director | 2007-07-23 | 2009-04-02 |
| SMART, Stephen John | Director | 2014-04-17 | 2017-05-04 |
| SOUTHCOTT, Peter Mallet | Director | 2009-04-29 | 2013-03-31 |
| AT DIRECTORS LIMITED | Corporate Director | 2007-06-11 | 2007-07-23 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Mr Manjit Singh Hayre | Individual | Significant influence, Significant influence (as firm) | 2021-12-03 | Ceased 2026-07-07 |
| Mr Mahomed Ashraf Piranie | Individual | Significant influence | 2017-04-01 | Ceased 2022-12-31 |
| Mr Jonathan Westhoff | Individual | Significant influence | 2016-04-06 | Ceased 2020-11-27 |
| Mr Mark James Gibbard | Individual | Significant influence | 2016-04-06 | Ceased 2017-03-31 |
| Insignia Finance Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors, Significant influence | 2016-04-06 | Active |
Filing timeline
Last 20 of 96 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-09-15 | AA | accounts | Accounts with accounts type full | |
| 2026-07-15 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2026-07-09 | PSC07 | persons-with-significant-control | Cessation of a person with significant control | |
| 2025-07-24 | AA | accounts | Accounts with accounts type full | |
| 2025-07-22 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-03-27 | AP03 | officers | Appoint person secretary company with name date | |
| 2024-11-11 | TM02 | officers | Termination secretary company with name termination date | |
| 2024-08-23 | AA | accounts | Accounts with accounts type full | |
| 2024-08-13 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-09-28 | AA | accounts | Accounts with accounts type full | |
| 2023-08-21 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-04-17 | AP01 | officers | Appoint person director company with name date | |
| 2023-04-17 | TM01 | officers | Termination director company with name termination date | |
| 2023-01-10 | CH01 | officers | Change person director company with change date | |
| 2023-01-10 | PSC07 | persons-with-significant-control | Cessation of a person with significant control | |
| 2022-10-24 | AA | accounts | Accounts with accounts type full | |
| 2022-07-27 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2021-12-15 | PSC01 | persons-with-significant-control | Notification of a person with significant control | |
| 2021-11-29 | TM02 | officers | Termination secretary company with name termination date | |
| 2021-11-29 | AP03 | officers | Appoint person secretary company with name date |
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.