VECTOR BUSINESS FINANCE LIMITED
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Next accounts due
2026-09-30 (in 4mo)
Last filed for 2024-12-31
Confirmation statement due
2026-08-29 (in 3mo)
Last made up 2025-08-15
Watchouts
None on the register
Cash
£49K
+94.1% vs 2023
Net assets
£9M
-31.8% vs 2023
Employees
0
Average over period
Profit before tax
-£2M
-199.3% vs 2023
Net assets
2-year trend · vs Financials median
Accounts
2-year trend · latest reflected 2024-12-31
| Metric | Trend | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Turnover | £5,849,646 | £4,203,963 | |
| Operating profit | £3,162,873 | -£1,418,670 | |
| Profit before tax | £2,282,811 | -£2,266,048 | |
| Net profit | £1,960,410 | -£1,943,646 | |
| Cash | £25,119 | £48,760 | |
| Total assets less current liabilities | £13,513,447 | £9,219,801 | |
| Net assets | £13,513,447 | £9,219,801 | |
| Equity | £13,513,447 | £9,219,801 | |
| Average employees | 0 | 0 | |
| Wages | £0 | £0 | |
| 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. About these numbers
Year-on-year
FY2023 → FY2024 · period ending 2024-12-31 vs 2023-12-31
-
Turnover
-28.1%
£5,849,646 £4,203,963
-
Cash
+94.1%
£25,119 £48,760
-
Net assets
-31.8%
£13,513,447 £9,219,801
-
Employees
—
Not reported
-
Operating profit
-144.9%
£3,162,873 -£1,418,670
-
Profit before tax
-199.3%
£2,282,811 -£2,266,048
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 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Operating margin | 54.1% | -33.7% | |
| Net margin | 33.5% | -46.2% | |
| Return on capital employed | 23.4% | -15.4% | |
| Gearing (liabilities / total assets) | 62.5% | 60.0% | |
| Current ratio | 1.61x | 1.67x | |
| Interest cover | 3.55x | -1.66x |
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 4 times since incorporation
- VECTOR BUSINESS FINANCE LIMITED 2019-09-06 → present
- VECTOR CAPITAL LIMITED 2017-11-14 → 2019-09-06
- VIPARK FINANCE LIMITED 2016-04-12 → 2017-11-14
- JAYEX GROUP LIMITED 2016-01-29 → 2016-04-12
- VECTOR CAPITAL LIMITED 2015-12-04 → 2016-01-29
Audit & accounting basis
- Accounting basis
- FRS 101
- Reporting scope
- Standalone (parent only)
- Auditor
- DUX Advisory Limited
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The financial statements are prepared on a going concern basis as the Directors are satisfied that the Company's forecasts and projections, considering potential changes in trading patterns, indicate that the Company will be able to continue current operations for the foreseeable future. The Group's wholesale borrowing facilities totalling £25m are due for renewal in July 2025, on a rolling annual contract, the Company maintain a good working relationship with the provider and are confident the facilities will be renewed. After making enquiries, the Directors have a reasonable expectation that the Company has adequate resources to continue in operational existence for the foreseeable future. Accordingly, they continue to adopt the going concern basis in preparing the annual report and financial statements.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
3 active · 1 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| DHANANI, Neil Shantilal | Director | 2017-04-13 | Dec 1954 | British |
| JAIN, Agam | Director | 2015-12-04 | Mar 1957 | British |
| PUGSLEY, Jonathan, Mr. | Director | 2017-12-27 | Oct 1980 | British |
Show 1 resigned officer
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| KIRK, David Gerard | Director | 2018-01-26 | 2018-10-01 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Vector Capital Plc | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2019-08-29 | Active |
| Vector Holdings Limited | Corporate entity | Shares 75–100%, Voting 75–100% | 2016-04-06 | Ceased 2019-08-29 |
| Mr Agam Jain | Individual | Shares 75–100% | 2016-04-06 | Ceased 2016-04-06 |
Filing timeline
Last 20 of 53 total filings
Material constitutional events — rename, articles re-file, resolution
- 2019-09-06 RESOLUTIONS Resolution
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-04-23 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2026-04-23 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2025-09-26 | AA | accounts | Accounts with accounts type full | |
| 2025-08-21 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-08-28 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-06-07 | AA | accounts | Accounts with accounts type full | |
| 2023-08-18 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-05-27 | AA | accounts | Accounts with accounts type total exemption full | |
| 2023-02-14 | AD01 | address | Change registered office address company with date old address new address | |
| 2022-08-17 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-05-10 | AA | accounts | Accounts with accounts type small | |
| 2021-08-21 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2021-04-29 | AA | accounts | Accounts with accounts type small | |
| 2020-08-27 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2020-08-17 | PSC05 | persons-with-significant-control | Change to a person with significant control | |
| 2020-06-02 | AA | accounts | Accounts with accounts type small | |
| 2019-11-10 | AUD | auditors | Auditors resignation company | |
| 2019-10-27 | AUD | auditors | Auditors resignation company | |
| 2019-09-13 | RP04SH01 | capital | Second filing capital allotment shares | |
| 2019-09-06 | RESOLUTIONS | resolution | Resolution |
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.