ATF FINANCE LTD
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Next accounts due
2027-09-30 (in 1y)
Last filed for 2025-12-31
Confirmation statement due
2026-06-13 (in 1mo)
Last made up 2025-05-30
Watchouts
None on the register
Cash
£12M
USD 16,525,449
+263.1% vs 2024
Net assets
£17M
USD 23,323,624
+14,629.7% first positive since 2024
Employees
4
0% vs 2024
Profit before tax
£24M
USD 32,495,267
-8.7% vs 2024
Net assets
10-year trend · vs Financials median
Accounts
10-year trend · latest reflected 2025-12-31
| Metric | Trend | 2020-12-31 | 2021-01-01 | 2021-12-31 | 2022-01-01 | 2022-12-31 | 2023-01-01 | 2023-12-31 | 2024-01-01 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Turnover | — | — | — | — | — | — | £22,026,010 | — | £27,386,048 | £24,563,887 | |
| Operating profit | — | — | — | — | — | — | — | — | £26,433,407 | £23,576,716 | |
| Profit before tax | — | — | — | — | — | — | — | — | £26,600,176 | £24,291,894 | |
| Net profit | — | — | — | — | £13,653,462 | — | £24,688,274 | — | £26,553,111 | £24,283,582 | |
| Cash | £4,968,131 | — | £14,969,239 | — | £17,069,761 | — | £16,938,230 | — | £3,402,594 | £12,353,629 | |
| Total assets less current liabilities | £5,554,396 | — | £10,157,538 | — | £23,811,815 | — | £29,234,089 | — | £7,355,518 | £17,436,041 | |
| Net assets | £5,553,952 | — | £10,156,503 | — | £23,809,965 | — | £29,234,089 | — | -£120,000 | £17,435,616 | |
| Equity | £5,553,952 | — | £10,156,503 | £10,156,503 | £23,809,965 | £28,811,488 | £29,234,090 | £29,234,090 | -£120,000 | £17,435,616 | |
| Average employees | 3 | — | 3 | — | 4 | — | 4 | — | 4 | 4 | |
| Wages | — | — | — | — | £143,163 | — | £321,098 | — | £405,228 | £551,515 | |
| Directors' remuneration | — | — | — | — | — | — | — | — | — | — |
Figures converted to GBP from USD at 0.748 per USD (Frankfurter spot rate) — hover any figure for the original. — indicates the figure wasn't present under that line item in that period. About these numbers
Year-on-year
FY2024 → FY2025 · period ending 2025-12-31 vs 2024-12-31
-
Turnover
-10.3%
£27,386,048 £24,563,887
-
Cash
+263.1%
£3,402,594 £12,353,629
-
Net assets
+14,629.7%
-£120,000 £17,435,616
first positive since 2024
-
Employees
0%
4 4
-
Operating profit
-10.8%
£26,433,407 £23,576,716
-
Profit before tax
-8.7%
£26,600,176 £24,291,894
-
Wages
+36.1%
£405,228 £551,515
highest in 4 filed years
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 | 2020-12-31 | 2021-01-01 | 2021-12-31 | 2022-01-01 | 2022-12-31 | 2023-01-01 | 2023-12-31 | 2024-01-01 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating margin | — | — | — | — | — | — | — | — | 96.5% | 96.0% | |
| Net margin | — | — | — | — | — | — | 112.1% | — | 97.0% | 98.9% | |
| Return on capital employed | — | — | — | — | — | — | — | — | 359.4% | 135.2% | |
| Gearing (liabilities / total assets) | — | — | — | — | — | — | — | — | 100.5% | 48.3% | |
| Current ratio | — | — | — | — | — | — | — | — | 1.48x | 2.07x | |
| Interest cover | — | — | — | — | — | — | — | — | 59.33x | 54.11x |
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
- ATF FINANCE LTD 2023-12-27 → present
- AFRICA TRADE FINANCE LIMITED 2014-05-30 → 2023-12-27
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Consolidated group
- Auditor
- Menzies LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The Company therefore continues to adopt the going concern basis in preparing its financial statements.”
Group structure
- ATF FINANCE LTD · parent
- ATF Participation Ltd 100%
Significant events
- “Subsequent to the year end, the loan note amount increased from $10,000,000 to $14,500,000 and the maturity date changed from 28 July 2026 to 31 December 2028. It was further agreed that interest would accrue at the rate which is the aggregate of Term SOFR plus 2% per annum.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
1 active · 0 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| KARAM, Christian | Director | 2014-05-30 | Apr 1979 | British |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Mr Christian Karam | Individual | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Active |
Filing timeline
Last 20 of 36 total filings
Material constitutional events — rename, articles re-file, resolution
- 2023-12-27 CERTNM Certificate change of name company PDF
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-04-22 | AA | accounts | Accounts with accounts type group | |
| 2025-06-02 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-06-02 | CH01 | officers | Change person director company with change date | |
| 2025-06-02 | PSC04 | persons-with-significant-control | Change to a person with significant control | |
| 2025-04-24 | AA | accounts | Accounts with accounts type group | |
| 2024-06-13 | AD01 | address | Change registered office address company with date old address new address | |
| 2024-05-30 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-04-25 | AA | accounts | Accounts with accounts type group | |
| 2023-12-27 | CERTNM | change-of-name | Certificate change of name company | |
| 2023-05-30 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-04-20 | AA | accounts | Accounts with accounts type total exemption full | |
| 2022-08-16 | PSC04 | persons-with-significant-control | Change to a person with significant control | |
| 2022-08-16 | CH01 | officers | Change person director company with change date | |
| 2022-06-01 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-04-29 | AA | accounts | Accounts with accounts type total exemption full | |
| 2021-06-01 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2021-04-12 | AA | accounts | Accounts with accounts type total exemption full | |
| 2020-06-01 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2020-04-02 | AA | accounts | Accounts with accounts type total exemption full | |
| 2019-06-05 | CS01 | confirmation-statement | Confirmation statement with updates |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 4
- 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.