SPECIALIST MOTOR FINANCE GROUP LIMITED
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Cash
£7.3m
-25.6% lowest in 3 filed years
Net assets
£26m
-8.9% lowest in 3 filed years
Employees
101
Average over period
Profit before tax
-£3.4m
-74.2% lowest in 3 filed years
Net assets
3-year trend · vs Industrials median
Accounts
3-year trend · Δ = latest vs prior filed period · latest reflected 2025-12-31
| Metric | Trend | 2023-12-31 | 2024-12-31 | 2025-12-31 | Δ vs prior |
|---|---|---|---|---|---|
| Turnover | £34,207,660 | £34,883,874 | £25,988,963 | -25.5% | |
| Operating profit | £16,830,965 | £12,291,352 | £7,419,747 | -39.6% | |
| Profit before tax | £2,769,169 | -£1,924,752 | -£3,353,428 | -74.2% | |
| Net profit | £1,894,757 | -£1,963,141 | -£2,515,071 | -28.1% | |
| Cash | £13,770,532 | £9,872,399 | £7,347,164 | -25.6% | |
| Total assets less current liabilities | £37,689,221 | £112,171,474 | £72,331,769 | -35.5% | |
| Net assets | £37,689,221 | £28,119,144 | £25,604,073 | -8.9% | |
| Equity | £37,689,221 | £28,119,144 | £25,604,073 | -8.9% | |
| Average employees | 0 | 0 | 101 | — | |
| Wages | — | — | £2,628,142 | — | |
| Directors' remuneration | £227,548 | £259,717 | — | — |
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 | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|
| Operating margin | 49.2% | 35.2% | 28.5% | |
| Net margin | 5.5% | -5.6% | -9.7% | |
| Return on capital employed | 44.7% | 11.0% | 10.3% | |
| Gearing (liabilities / total assets) | 83.4% | 86.2% | 78.2% | |
| Current ratio | 0.53x | 0.71x | 1.13x | |
| Interest cover | 1.38x | 0.92x | 0.72x |
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.
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Consolidated group
- Auditor
- Cooper Parry Group Limited
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The Directors have a reasonable expectation that the company has adequate resources to continue in operational existence for the foreseeable future and accordingly, they have continued to adopt the going concern basis in preparing the financial statements.”
Group structure
- SPECIALIST MOTOR FINANCE GROUP LIMITED · parent
- Specialist Motor Finance Limited 100%
- Specialist Motor Finance Services Limited 100%
Significant events
- “On 16 April 2026, the company completed the full settlement of its Term Loan facility with a £17.8m repayment to NatWest. The Structured Intra-Group Loan Agreement was increased from £10m to £17.5m and the transaction was predominantly funded by a £17.5m drawdown under the Structured Intra-Group Loan Agreement.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
3 active · 5 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| GHARIAL, Harsimar | Secretary | 2025-12-24 | — | — |
| HANLON, Patrick | Director | 2020-08-03 | Apr 1961 | Scottish |
| PEARSON, James | Director | 2025-12-01 | Apr 1980 | British |
Show 5 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| CLARKE, Adrian Graham | Secretary | 2015-05-01 | 2025-12-24 |
| BAYLEY, Simon | Director | 2021-07-05 | 2025-06-23 |
| CHALLINOR, David John | Director | 2015-05-01 | 2021-04-14 |
| HUTTON, Gary Ernest | Director | 2015-05-01 | 2025-12-24 |
| OGDEN, Neil Joseph | Director | 2015-05-01 | 2017-01-16 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Lord Robert Norman Edmiston | Individual | Shares 75–100%, Voting 75–100%, Appoints directors | 2022-12-31 | Active |
| I.M. Group Limited | Corporate entity | Voting 75–100% | 2016-04-06 | Ceased 2022-12-31 |
Filing timeline
Last 20 of 53 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-07-21 | AA | accounts | Accounts with accounts type group | |
| 2026-03-20 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2026-02-11 | TM01 | officers | Termination director company with name termination date | |
| 2026-01-13 | TM02 | officers | Termination secretary company with name termination date | |
| 2026-01-12 | AP03 | officers | Appoint person secretary company with name date | |
| 2025-12-12 | AP01 | officers | Appoint person director company with name date | |
| 2025-10-02 | AA | accounts | Accounts with accounts type group | |
| 2025-07-01 | TM01 | officers | Termination director company with name termination date | |
| 2025-04-15 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-01-17 | AA | accounts | Accounts with accounts type group | |
| 2024-12-24 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2024-12-24 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2024-10-07 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2024-10-07 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2024-03-22 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2023-12-19 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2023-10-03 | AA | accounts | Accounts with accounts type group | |
| 2023-03-07 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2023-01-17 | PSC07 | persons-with-significant-control | Cessation of a person with significant control | |
| 2023-01-17 | PSC01 | persons-with-significant-control | Notification of a person with significant control |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 7
- Capital events
- 0
- Officers appointed
- 2
- Officers resigned
- 2
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.