RIVERS SPV LIMITED
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Next accounts due
2026-12-31 (in 7mo)
Last filed for 2025-03-31
Confirmation statement due
2026-07-16 (in 2mo)
Last made up 2025-07-02
Watchouts
None on the register
Cash
£85K
+66.9% vs 2024
Net assets
£672K
+22.8% highest in 4 filed years
Employees
2
0% vs 2024
Profit before tax
£495K
+86.1% vs 2024
Net assets
4-year trend · vs Industrials median
Accounts
4-year trend · latest reflected 2025-03-31
| Metric | Trend | 2020-03-31 | 2021-03-31 | 2024-03-31 | 2025-03-31 |
|---|---|---|---|---|---|
| Turnover | — | — | £1,286,291 | £1,400,819 | |
| Operating profit | — | — | £656,666 | £1,003,842 | |
| Profit before tax | — | — | £265,840 | £494,642 | |
| Net profit | — | — | £248,852 | £474,850 | |
| Cash | — | — | £50,837 | £84,847 | |
| Total assets less current liabilities | — | — | — | — | |
| Net assets | £1,000 | £1,000 | £547,114 | £671,964 | |
| Equity | £1,000 | £1,000 | £547,114 | £671,964 | |
| Average employees | — | — | 2 | 2 | |
| 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
FY2024 → FY2025 · period ending 2025-03-31 vs 2024-03-31
-
Turnover
+8.9%
£1,286,291 £1,400,819
-
Cash
+66.9%
£50,837 £84,847
-
Net assets
+22.8%
£547,114 £671,964
highest in 4 filed years
-
Employees
0%
2 2
-
Operating profit
+52.9%
£656,666 £1,003,842
-
Profit before tax
+86.1%
£265,840 £494,642
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 | 2020-03-31 | 2021-03-31 | 2024-03-31 | 2025-03-31 |
|---|---|---|---|---|---|
| Operating margin | — | — | 51.1% | 71.7% | |
| Net margin | — | — | 19.3% | 33.9% | |
| Current ratio | — | — | 53.91x | 14.69x | |
| Interest cover | — | — | 1.68x | 1.97x |
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 2 times since incorporation
- RIVERS SPV LIMITED 2020-10-14 → present
- RIVERS (VEHICLE) FINANCE LIMITED 2015-09-18 → 2020-10-14
- IDENTITY FINANCE LIMITED 2010-04-09 → 2015-09-18
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Standalone (parent only)
- Auditor
- KLSA LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“Based on the work we have performed, we have not identified any material uncertainties relating to events or conditions that, individually or collectively, may cast significant doubt on the company's ability to continue as a going concern for a period of at least twelve months from when the financial statements are authorised for issue.”
Significant events
- “Dividends were paid during the year amounted to £350,000 (2024: £Nil).”
- “The company has provided a debenture dated 27 May 2021 as security for loans obtained by the parent company.”
- “Other loans after more than one year £4,636,800 (2024: £4,608,000) secured by a debenture and a guarantee from the parent company, Rivers Finance Group Plc.”
- “Included within creditors are loans from: - Conister bank amounting to £4,636,800 (2024: £4,608,000) on which interest of £453,890 (2024: £337,121) was charged for the year. Conister bank is a shareholder of the parent company Rivers Finance Group Plc.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
3 active · 5 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| DARYANI, Ratankumar | Secretary | 2013-08-14 | — | — |
| DARYANI, Ratankumar | Director | 2012-02-10 | Aug 1960 | British |
| FRIEND, Michael David | Director | 2020-12-08 | Feb 1958 | British |
Show 5 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| DARYANI, Ratan | Secretary | 2010-04-09 | 2012-08-31 |
| DARYNAI, Pushpa | Secretary | 2012-08-31 | 2013-08-14 |
| DARYANI, Pushpa | Director | 2010-04-30 | 2012-02-10 |
| DARYANI, Ratankumar | Director | 2010-04-09 | 2010-04-30 |
| UNERMAN, Martin | Director | 2010-04-09 | 2012-08-14 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Rivers Leasing Plc | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2024-02-08 | Active |
| Mr Ratankumar Daryani | Individual | Shares 75–100% | 2016-04-06 | Ceased 2024-02-08 |
Filing timeline
Last 20 of 55 total filings
Material constitutional events — rename, articles re-file, resolution
- 2020-10-14 CERTNM Certificate change of name company PDF
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2025-12-19 | CH01 | officers | Change person director company with change date | |
| 2025-08-07 | AA | accounts | Accounts with accounts type full | |
| 2025-07-02 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-09-09 | AA | accounts | Accounts with accounts type small | |
| 2024-07-08 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-02-08 | PSC07 | persons-with-significant-control | Cessation of a person with significant control | |
| 2024-02-08 | PSC02 | persons-with-significant-control | Notification of a person with significant control | |
| 2023-12-15 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2023-08-08 | AA | accounts | Accounts with accounts type small | |
| 2023-07-03 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-08-25 | AA | accounts | Accounts with accounts type small | |
| 2022-07-05 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2021-08-05 | AA | accounts | Accounts with accounts type total exemption full | |
| 2021-07-02 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2021-06-02 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2020-12-08 | AP01 | officers | Appoint person director company with name date | |
| 2020-10-14 | CERTNM | change-of-name | Certificate change of name company | |
| 2020-09-17 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2020-07-23 | AA | accounts | Accounts with accounts type total exemption full | |
| 2019-09-17 | CS01 | confirmation-statement | Confirmation statement with no updates |
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.