CARD FACTORY PLC
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Cash
£17m
-5.2% vs 2025
Net assets
£355m
+2.2% vs 2025
Employees
9,949
-5.4% vs 2025
Profit before tax
£44m
-31.5% lowest in 3 filed years
Net assets
3-year trend · vs Consumer Discretionary median
Accounts
3-year trend · Δ = latest vs prior filed period · latest reflected 2026-01-31
| Metric | Trend | 2024-01-31 | 2025-01-31 | 2026-01-31 | Δ vs prior |
|---|---|---|---|---|---|
| Turnover | £510,900,000 | £542,500,000 | £582,700,000 | +7.4% | |
| Operating profit | £243,300,000 | £79,300,000 | £58,900,000 | -25.7% | |
| Profit before tax | £65,600,000 | £64,100,000 | £43,900,000 | -31.5% | |
| Net profit | £49,500,000 | £47,800,000 | £31,200,000 | -34.7% | |
| Cash | £11,100,000 | £17,400,000 | £16,500,000 | -5.2% | |
| Total assets less current liabilities | £474,100,000 | £525,600,000 | £542,800,000 | +3.3% | |
| Net assets | £385,400,000 | £346,900,000 | £354,500,000 | +2.2% | |
| Equity | £385,400,000 | £346,900,000 | £354,500,000 | +2.2% | |
| Average employees | 9,797 | 10,521 | 9,949 | -5.4% | |
| Wages | — | £154,500,000 | £169,200,000 | +9.5% | |
| Directors' remuneration | — | £842,750 | £882,324 | +4.7% |
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 | 2026-01-31 |
|---|---|---|---|---|
| Operating margin | 47.6% | 14.6% | 10.1% | |
| Net margin | 9.7% | 8.8% | 5.4% | |
| Return on capital employed | 51.3% | 15.1% | 10.9% | |
| Gearing (liabilities / total assets) | 34.6% | 45.5% | 46.7% | |
| Current ratio | 1.26x | 1.02x | 0.95x | |
| Interest cover | 18.16x | 5.15x | 3.27x |
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 have a reasonable expectation that the Group has adequate resources to continue in operational existence for the foreseeable future, being a period of at least the next 12 months from the date of approval of the Annual Report and Accounts. The Group therefore continues to adopt the going concern basis in preparing the Annual Report and Accounts.”
Significant events
- “Acquisition of Funky Pigeon on 14 August 2025.”
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 174 total filings
Material constitutional events — rename, articles re-file, resolution
- 2026-07-13 RESOLUTIONS Resolution
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-08-04 | SH03 | capital | Capital return purchase own shares | |
| 2026-08-03 | SH07 | capital | Capital cancellation shares by plc | |
| 2026-08-03 | SH07 | capital | Capital cancellation shares by plc | |
| 2026-08-03 | SH07 | capital | Capital cancellation shares by plc | |
| 2026-07-29 | SH03 | capital | Capital return purchase own shares treasury capital date | |
| 2026-07-20 | SH03 | capital | Capital return purchase own shares | |
| 2026-07-20 | SH03 | capital | Capital return purchase own shares | |
| 2026-07-20 | SH03 | capital | Capital return purchase own shares | |
| 2026-07-15 | AA | accounts | Accounts with accounts type group | |
| 2026-07-13 | RESOLUTIONS | resolution | Resolution | |
| 2026-07-07 | SH07 | capital | Capital cancellation shares by plc | |
| 2026-07-07 | SH07 | capital | Capital cancellation shares by plc | |
| 2026-07-07 | SH03 | capital | Capital return purchase own shares | |
| 2026-07-07 | SH03 | capital | Capital return purchase own shares | |
| 2026-07-07 | SH03 | capital | Capital return purchase own shares | |
| 2026-07-06 | SH07 | capital | Capital cancellation shares by plc | |
| 2026-07-06 | SH07 | capital | Capital cancellation shares by plc | |
| 2026-07-06 | SH07 | capital | Capital cancellation shares by plc | |
| 2026-07-06 | SH07 | capital | Capital cancellation shares by plc | |
| 2026-07-06 | SH07 | capital | Capital cancellation shares by plc |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 20
- Capital events
- 18
- 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.