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Cash

Latest balance sheet

Net assets

-£1.2M

-104.7% vs 2024

Employees

Average over period

Profit before tax

-£26M

-141.7% lowest in 3 filed years

Watchouts

Facts from the Companies House register and the latest accounts — not a rating

Accounts

3-year trend · Δ = latest vs prior filed period · latest reflected 2025-12-31

Metric Trend 2023-12-312024-12-312025-12-31 Δ vs prior
Net interest income £607,500,000£582,900,000 -4%
Fee & commission income £57,200,000£54,700,000 -4.4%
Operating income
Impairment losses £342,200,000£428,300,000 +25.2%
Profit before tax £69,800,000£61,700,000-£25,700,000 -141.7%
Net profit £69,800,000£61,700,000-£25,700,000 -141.7%
Loans & advances to customers £2,297,200,000£2,556,600,000 +11.3%
Customer deposits
Total assets £2,523,500,000£2,496,800,000£2,683,800,000 +7.5%
Total liabilities £2,471,500,000£2,685,000,000 +8.6%
Equity -£38,200,000£25,300,000-£1,200,000 -104.7%
Average employees 00

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 2023-12-312024-12-312025-12-31
Operating margin 9.3%7.8%
Net margin 9.3%7.7%
Gearing (liabilities / total assets) 101.5%99.0%100.0%
Current ratio 1.96x2.19x

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

  1. NEWDAY FUNDING TRANSFEROR LTD 2015-06-11 → present
  2. NEWDAY FUNDING LTD 2014-04-01 → 2015-06-11
  3. INVICTA FUNDING LIMITED 2012-09-07 → 2014-04-01

Audit & accounting basis

Accounting basis
IFRS
Reporting scope
Consolidated group
Auditor
KPMG LLP
Audit opinion
Unqualified (clean)
Going concern
Affirmed

“Considering the scenario analysis and the Group's and Company's current funding position, the Directors are satisfied that the Group and Company has the resources necessary to continue in business for a period of at least 12 months after the approval of the financial statements and are of the opinion that the Group and Company continue to be a going concern. Therefore, the financial statements continue to be prepared on the going concern basis as outlined in the statement of Directors' responsibilities.”

Group structure

  1. NEWDAY FUNDING TRANSFEROR LTD · parent
    1. NewDay Funding Master Issuer PLC · UK
    2. NewDay Funding Loan Note Issuer Ltd · UK
    3. NewDay Funding Receivables Trustee Ltd · Jersey
    4. NewDay Secondary Funding Limited · UK
    5. NewDay Funding EU Loan Note Issuer S.a r.l · Luxembourg

Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers

People

2 active · 10 resigned

Name Role Appointed Born Nationality
PIPLAPURE, Vaibhav Arun Director 2025-09-30 Nov 1974 British
SPINGARDI, Giovanni Director 2025-09-30 Jan 1991 Italian
Show 10 resigned officers
Name Role Appointed Resigned
ROWLAND, Stephen Secretary 2015-06-10 2023-12-22
WHITTY-LEWIS, Stuart Secretary 2024-01-01 2026-06-10
JOINT SECRETARIAL SERVICES LIMITED Corporate Secretary 2012-09-07 2015-06-10
ADAMS, Michael Charles Director 2012-09-07 2015-06-10
CORCORAN, James Bernard Director 2015-06-10 2019-10-16
HOURICAN, John Patrick Director 2019-10-16 2025-09-30
RICHARDS, Douglas John Director 2015-06-10 2016-03-15
SHERIFF, Paul Nigel Director 2016-03-15 2025-09-30
JOINT CORPORATE SERVICES LIMITED Corporate Director 2012-09-07 2015-06-10
PRAXIS MGT LIMITED Corporate Director 2012-09-07 2015-06-10

Ownership

Persons with significant control

Name Kind Nature of control Notified Status
Cinven Limited Corporate entity Significant influence 2017-01-26 Ceased 2025-09-30

Filing timeline

Last 20 of 126 total filings

Date Type Category Description
2026-06-28 AA accounts Accounts with accounts type group
2026-06-22 TM02 officers Termination secretary company with name termination date PDF
2025-10-13 PSC08 persons-with-significant-control Notification of a person with significant control statement PDF
2025-10-13 PSC07 persons-with-significant-control Cessation of a person with significant control PDF
2025-10-08 AP01 officers Appoint person director company with name date PDF
2025-10-08 AP01 officers Appoint person director company with name date PDF
2025-10-08 TM01 officers Termination director company with name termination date PDF
2025-10-08 TM01 officers Termination director company with name termination date PDF
2025-09-19 MR05 mortgage Mortgage charge whole cease and release with charge number PDF
2025-09-19 MR05 mortgage Mortgage charge whole cease and release with charge number PDF
2025-09-19 MR05 mortgage Mortgage charge whole cease and release with charge number PDF
2025-09-19 MR05 mortgage Mortgage charge whole cease and release with charge number PDF
2025-09-19 MR05 mortgage Mortgage charge whole cease and release with charge number PDF
2025-09-19 MR05 mortgage Mortgage charge whole cease and release with charge number PDF
2025-09-19 MR05 mortgage Mortgage charge whole cease and release with charge number PDF
2025-09-19 MR05 mortgage Mortgage charge whole cease and release with charge number PDF
2025-09-19 MR05 mortgage Mortgage charge whole cease and release with charge number PDF
2025-09-19 MR05 mortgage Mortgage charge whole cease and release with charge number PDF
2025-09-19 MR05 mortgage Mortgage charge whole cease and release with charge number PDF
2025-09-19 MR05 mortgage Mortgage charge whole cease and release with charge number PDF

Public-record activity

Raw counts from Companies House — last 12–24 months

Filings
20

last 12 months

Capital events
0

last 24 months

Officers appointed
2

last 12 months

Officers resigned
3

last 12 months

Direct counts from the register. No score, no rating — see the Filing timeline for the underlying events.

Official Companies House page