EQUIFINANCE LIMITED
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Next accounts due
2027-05-31 (in 1y)
Last filed for 2025-08-31
Confirmation statement due
2026-07-13 (in 2mo)
Last made up 2025-06-29
Watchouts
None on the register
Cash
£6M
-24.5% vs 2024
Net assets
-£9M
-43.2% vs 2024
Employees
72
+12.5% vs 2024
Profit before tax
-£4M
+39.7% vs 2024
Net assets
2-year trend · vs Financials median
Accounts
2-year trend · latest reflected 2025-08-31
| Metric | Trend | 2024-08-31 | 2025-08-31 |
|---|---|---|---|
| Turnover | £37,545,611 | £46,531,070 | |
| Operating profit | £29,627,591 | £35,877,996 | |
| Profit before tax | -£6,751,388 | -£4,068,586 | |
| Net profit | -£4,441,536 | -£2,676,341 | |
| Cash | £7,645,762 | £5,772,648 | |
| Total assets less current liabilities | £359,028,023 | £445,779,161 | |
| Net assets | -£6,199,708 | -£8,876,049 | |
| Equity | -£6,199,708 | -£8,876,049 | |
| Average employees | 64 | 72 | |
| Wages | £3,650,189 | £4,650,545 | |
| Directors' remuneration | £679,293 | £608,627 |
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 2025-08-31 vs 2024-08-31
-
Turnover
+23.9%
£37,545,611 £46,531,070
-
Cash
-24.5%
£7,645,762 £5,772,648
-
Net assets
-43.2%
-£6,199,708 -£8,876,049
-
Employees
+12.5%
64 72
-
Operating profit
+21.1%
£29,627,591 £35,877,996
-
Profit before tax
+39.7%
-£6,751,388 -£4,068,586
-
Wages
+27.4%
£3,650,189 £4,650,545
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 | 2024-08-31 | 2025-08-31 |
|---|---|---|---|
| Operating margin | 78.9% | 77.1% | |
| Net margin | -11.8% | -5.8% | |
| Return on capital employed | 8.3% | 8.0% | |
| Gearing (liabilities / total assets) | 101.6% | 101.9% | |
| Current ratio | 18.67x | 18.54x | |
| Interest cover | 0.81x | 0.89x |
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
- EQUIFINANCE LIMITED 2011-01-20 → present
- CONSUMER FINANCE MARKETING LIMITED 2010-07-23 → 2011-01-20
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Standalone (parent only)
- Auditor
- Grant Thornton UK LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The directors are satisfied that the Company and the Group has adequate resources to continue in operation for the going concern assessment period. Accordingly, the directors have adopted the going-concern basis in preparing these accounts.”
Significant events
- “In November 2025, the Group successfully completed its second public securitisation transaction, East One 2025-1 for a total issuance of approximately £260m. The transaction attracted strong investor demand and pricing was materially improved versus the debut issuance in 2024.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
3 active · 11 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| GEORGE, Philip Anthony | Director | 2021-01-11 | Nov 1950 | British |
| MARSHALL, Antony James | Director | 2015-05-08 | Sep 1966 | British |
| PAYNE, Christopher Alan | Director | 2014-09-04 | Jul 1969 | British |
Show 11 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| COOKE, Kevin | Secretary | 2010-08-17 | 2013-08-15 |
| KEEBLE, James | Secretary | 2013-08-15 | 2014-09-19 |
| MESHER, Nancy | Secretary | 2010-07-23 | 2010-08-17 |
| RAHMAN, Enam | Secretary | 2010-08-17 | 2010-08-17 |
| COOKE, Kevin James | Director | 2010-07-23 | 2013-08-15 |
| FOSKETT, David Michel | Director | 2013-11-07 | 2014-08-08 |
| KEEBLE, James Trevor | Director | 2013-08-15 | 2014-08-18 |
| KEEBLE, James Trevor | Director | 2012-02-07 | 2013-01-08 |
| O'SULLIVAN, Luke | Director | 2014-07-31 | 2015-11-05 |
| RAHMAN, Enamur | Director | 2012-11-05 | 2013-11-07 |
| RAHMAN, Enamur | Director | 2011-07-01 | 2011-07-07 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Mr Henry Thomas Smith | Individual | ownership-of-shares-75-to-100-percent-as-trust, voting-rights-75-to-100-percent-as-trust, right-to-appoint-and-remove-directors-as-trust | 2016-04-06 | Ceased 2016-04-06 |
| Equifinance Holdings Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Active |
Filing timeline
Last 20 of 136 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-05-04 | AA | accounts | Accounts with accounts type full | |
| 2025-07-10 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-05-30 | AA | accounts | Accounts with accounts type full | |
| 2025-05-06 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2025-05-06 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2025-04-19 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2024-07-10 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-04-16 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2024-04-04 | AA | accounts | Accounts with accounts type full | |
| 2023-07-12 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-04-26 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2023-04-22 | AA | accounts | Accounts with accounts type full | |
| 2022-07-06 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-04-26 | CH01 | officers | Change person director company with change date | |
| 2022-04-26 | CH01 | officers | Change person director company with change date | |
| 2022-04-21 | AA | accounts | Accounts with accounts type full | |
| 2022-01-11 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2022-01-11 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2022-01-11 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2022-01-11 | MR04 | mortgage | Mortgage satisfy charge full |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 5
- 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.