OODLE FINANCIAL SERVICES LIMITED
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Next accounts due
2027-03-31 (in 10mo)
Last filed for 2025-06-30
Confirmation statement due
2026-06-22 (in 1mo)
Last made up 2025-06-08
Watchouts
None on the register
Cash
£47M
-11% vs 2024
Net assets
£113M
-13.9% vs 2024
Employees
399
-4.8% vs 2024
Profit before tax
-£38M
+29.5% vs 2024
Net assets
2-year trend · vs Financials median
Accounts
2-year trend · latest reflected 2025-06-30
| Metric | Trend | 2024-06-30 | 2025-06-30 |
|---|---|---|---|
| Turnover | £104,268,000 | £109,899,000 | |
| Operating profit | -£21,998,000 | -£26,272,000 | |
| Profit before tax | -£53,901,000 | -£38,015,000 | |
| Net profit | -£54,106,000 | -£18,216,000 | |
| Cash | £52,743,000 | £46,961,000 | |
| Total assets less current liabilities | £544,447,000 | £390,781,000 | |
| Net assets | £130,874,000 | £112,658,000 | |
| Equity | £130,874,000 | £112,658,000 | |
| Average employees | 419 | 399 | |
| Wages | £24,623,000 | £23,265,000 | |
| Directors' remuneration | £1,634,000 | £1,420,000 |
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 2025-06-30 vs 2024-06-30
-
Turnover
+5.4%
£104,268,000 £109,899,000
-
Cash
-11%
£52,743,000 £46,961,000
-
Net assets
-13.9%
£130,874,000 £112,658,000
-
Employees
-4.8%
419 399
-
Operating profit
-19.4%
-£21,998,000 -£26,272,000
-
Profit before tax
+29.5%
-£53,901,000 -£38,015,000
-
Wages
-5.5%
£24,623,000 £23,265,000
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 | 2024-06-30 | 2025-06-30 |
|---|---|---|---|
| Operating margin | -21.1% | -23.9% | |
| Net margin | -51.9% | -16.6% | |
| Return on capital employed | -4.0% | -6.7% | |
| Gearing (liabilities / total assets) | 85.0% | 88.1% | |
| Current ratio | 2.64x | 1.70x | |
| Interest cover | -0.51x | -0.53x |
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
- OODLE FINANCIAL SERVICES LIMITED 2017-12-18 → present
- FIRST CHOICE WITH LOANS LIMITED 2010-06-08 → 2017-12-18
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Consolidated group
- Auditor
- BDO LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The financial statements are prepared on a going concern basis, and the Directors are satisfied that the Group has the resources to continue in business for the foreseeable future (which has been taken as 12 months from the date of approval of the financial statements).”
Group structure
- OODLE FINANCIAL SERVICES LIMITED · parent
- Ever2018 Limited 100%
- Carsnip Ltd 100%
- Oodle Funding Limited
- Dowson 2021-2 Plc
- Dowson 2022-1 Plc
- Dowson 2022-2 Plc
- Dowson 2024-1 Plc
- Dowson 2025-1 Plc
Significant events
- “On 14 July 2025 the Group secured additional funding under a subordinated loan facility provided by one of its majority shareholders, being a fund advised or managed by KKR Credit Advisors (US) LLC and its affiliates.”
- “On 7th October 2025 the FCA published a consultation paper, CP25/27 on a proposed industry-wide scheme to compensate motor finance customers who have been treated unfairly.”
- “On 20th November 2025 the Group successfully completed a new securitisation, Dowson 2025-1, with total proceeds of £376.25m. The proceeds were used to partially repay the warehouse and corporate facility.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
7 active · 10 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| CLAYTON, Jonathan Charles Llewellyn | Director | 2016-02-10 | Dec 1972 | British |
| CRUICKSHANK, Nancy | Director | 2021-10-18 | Dec 1970 | British |
| GASKIN, Richard Colin | Director | 2022-08-19 | Nov 1965 | British |
| GHOSH, Anirban | Director | 2023-06-07 | Mar 1987 | British |
| O'SHEA, James Desmond | Director | 2020-09-11 | Feb 1956 | Irish |
| STEIN, John Patrick | Director | 2024-05-10 | Dec 1984 | British |
| WISEMAN, Luke Anton | Director | 2021-10-18 | May 1967 | British |
Show 10 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| GILBERT, Kristin Kelly | Director | 2022-12-05 | 2025-12-23 |
| HOWARD, John Emanuel Donnell | Director | 2018-04-24 | 2022-12-05 |
| JARVIS, Zachary | Director | 2016-06-28 | 2018-04-24 |
| KHANNA, Varun, Mr. | Director | 2021-10-18 | 2025-12-09 |
| LOVERING, Roger Vincent | Director | 2018-03-02 | 2020-03-31 |
| PIETRZAK, Daniel Ryan | Director | 2016-06-28 | 2023-06-05 |
| QUESTA, Gabriele | Director | 2022-12-14 | 2024-01-19 |
| SOUTHON, James Stephen | Director | 2016-02-10 | 2016-04-07 |
| WILLIAMS, Fiona Constance | Director | 2010-06-08 | 2015-07-30 |
| WILLIAMS, Phillip Mark | Director | 2010-06-08 | 2024-07-16 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Kkr & Co. Inc. | Corporate entity | Shares 75–100%, Voting 75–100% | 2023-02-06 | Active |
Filing timeline
Last 20 of 160 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-04-30 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2026-03-09 | AA | accounts | Accounts with accounts type group | |
| 2026-02-11 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2026-02-11 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2026-02-11 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2026-02-11 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2025-12-23 | TM01 | officers | Termination director company with name termination date | |
| 2025-12-10 | TM01 | officers | Termination director company with name termination date | |
| 2025-11-28 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2025-11-27 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2025-07-16 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2025-07-15 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2025-06-19 | CH01 | officers | Change person director company with change date | |
| 2025-06-19 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-12-18 | AA | accounts | Accounts with accounts type group | |
| 2024-11-01 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2024-07-17 | TM01 | officers | Termination director company with name termination date | |
| 2024-06-19 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2024-05-10 | AP01 | officers | Appoint person director company with name date | |
| 2024-03-15 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 14
- Capital events
- 0
- Officers appointed
- 0
- 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.