CARD FACTORY PLC
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Cash
£16M
+46.8% vs 2024
Net assets
£310M
-19.7% vs 2024
Employees
8,748
-10.7% vs 2024
Profit before tax
£64M
-2.3% vs 2024
Net assets
2-year trend · vs Consumer Discretionary median
Accounts
2-year trend · Δ = latest vs prior filed period · latest reflected 2025-01-31
| Metric | Trend | 2024-01-31 | 2025-01-31 | Δ vs prior |
|---|---|---|---|---|
| Turnover | £510,900,000 | £542,500,000 | +6.2% | |
| Operating profit | £243,300,000 | £246,000,000 | +1.1% | |
| Profit before tax | £65,600,000 | £64,100,000 | -2.3% | |
| Net profit | £49,500,000 | £47,800,000 | -3.4% | |
| Cash | £11,100,000 | £16,300,000 | +46.8% | |
| Total assets less current liabilities | £474,100,000 | £468,100,000 | -1.3% | |
| Net assets | £385,400,000 | £309,500,000 | -19.7% | |
| Equity | £385,400,000 | £309,500,000 | -19.7% | |
| Average employees | 9,797 | 8,748 | -10.7% | |
| 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. 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 | 2024-01-31 | 2025-01-31 |
|---|---|---|---|
| Operating margin | 47.6% | 45.3% | |
| Net margin | 9.7% | 8.8% | |
| Return on capital employed | 51.3% | 52.6% | |
| Gearing (liabilities / total assets) | 34.6% | 48.8% | |
| Current ratio | 1.26x | 1.74x | |
| Interest cover | 18.16x | 15.97x |
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
- CARD FACTORY PLC 2014-04-30 → present
- CARD FACTORY LIMITED 2014-04-30 → 2014-04-30
- CF LISTCO LIMITED 2014-04-17 → 2014-04-30
Audit & accounting basis
- Accounting basis
- IFRS
- Reporting scope
- Consolidated group
- Auditor
- Forvis Mazars LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The directors' use of the going concern basis of accounting in the preparation of the financial statements is appropriate.”
Group structure
- CARD FACTORY PLC · parent
- CF Boloco Limited 100%
- CF Topco Limited 100%
- CF Interco Limited 100%
- CF Bidco Limited 100%
- Getting Personal Group Limited 100%
- Lupfaw 221 Limited 100%
- CF Metro Limited 100%
- Cardfactory Ireland Limited 100%
- CF SA Greetings (Pty) Limited 100%
- CNA Properties (Baragwanath) (Pty) Limited 100%
- Funny Paper (Pty) Limited 100%
- Cardfactory US Holdings, LLC 100%
- Garlanna Limited 100%
- Garven Holdings, LLC 100%
- Garven Packaging Group LLC 100%
Significant events
- “Acquisition of SA Greetings on 25 April 2023.”
- “Acquisition of Garlanna Holdings on 1 September 2023.”
- “Acquisition of Garven Holdings, LLC on 3 December 2024.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
7 active · 13 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| STONE, Ciaran Joseph | Secretary | 2020-05-04 | — | — |
| MCWILLIAM, Robert Gerard | Director | 2021-11-01 | May 1969 | British |
| MOODY, Paul Stephen | Director | 2018-10-19 | Jun 1957 | British |
| POWELL, Pamela | Director | 2024-06-21 | May 1963 | American,British |
| SEEGER, Matthias Alexander | Director | 2023-05-22 | Jul 1963 | German |
| THAMBIAH, Indira | Director | 2022-09-01 | Feb 1968 | British |
| WILLSON-RYMER, Darcy | Director | 2021-03-08 | Dec 1965 | British |
Show 13 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| SIBAL, Shiv | Secretary | 2014-04-30 | 2020-05-04 |
| HACKWOOD SECRETARIES LIMITED | Corporate Secretary | 2014-04-30 | 2014-04-30 |
| BRYANT, Darren | Director | 2014-04-29 | 2017-07-31 |
| COOPER, Geoffrey Ian | Director | 2014-04-30 | 2018-10-19 |
| COULTHARD, Graeme Snowdon | Director | 2014-04-17 | 2015-02-03 |
| HAYES, Richard John | Director | 2014-04-30 | 2016-06-30 |
| HUBBARD, Karen Rachael | Director | 2016-02-22 | 2020-06-30 |
| LANE, Nathan | Director | 2020-04-09 | 2024-07-26 |
| LEE, Kristian Brian | Director | 2017-07-03 | 2023-01-31 |
| MCCRUDDEN, Paul | Director | 2014-12-01 | 2022-01-31 |
| MORLEY, Octavia Kate | Director | 2014-04-30 | 2023-01-31 |
| STEAD, David Anthony | Director | 2014-04-30 | 2021-11-30 |
| WHITESIDE, Roger Mark | Director | 2017-12-04 | 2024-06-20 |
Ownership
Persons with significant control
Filing timeline
Last 20 of 144 total filings
Material constitutional events — rename, articles re-file, resolution
- 2025-07-01 RESOLUTIONS Resolution
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-04-30 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2026-04-16 | SH04 | capital | Capital sale or transfer treasury shares with date currency capital figure | |
| 2026-02-05 | SH03 | capital | Capital return purchase own shares treasury capital date | |
| 2026-01-30 | SH03 | capital | Capital return purchase own shares treasury capital date | |
| 2026-01-30 | SH04 | capital | Capital sale or transfer treasury shares with date currency capital figure | |
| 2026-01-22 | SH04 | capital | Capital sale or transfer treasury shares with date currency capital figure | |
| 2026-01-09 | SH03 | capital | Capital return purchase own shares treasury capital date | |
| 2026-01-09 | SH03 | capital | Capital return purchase own shares treasury capital date | |
| 2026-01-07 | SH03 | capital | Capital return purchase own shares treasury capital date | |
| 2025-11-14 | CH01 | officers | Change person director company with change date | |
| 2025-10-30 | SH01 | capital | Capital allotment shares | |
| 2025-09-30 | SH01 | capital | Capital allotment shares | |
| 2025-08-27 | SH01 | capital | Capital allotment shares | |
| 2025-07-30 | SH01 | capital | Capital allotment shares | |
| 2025-07-11 | AA | accounts | Accounts with accounts type group | |
| 2025-07-01 | RESOLUTIONS | resolution | Resolution | |
| 2025-06-30 | SH01 | capital | Capital allotment shares | |
| 2025-05-29 | SH01 | capital | Capital allotment shares | |
| 2025-04-30 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-03-31 | SH01 | capital | Capital allotment shares |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 16
- Capital events
- 15
- 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.