CHETWOOD FINANCIAL LIMITED

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

• Turnover

  -5.7%

  £44,316,000 → £41,776,000

• Cash

  -33.9%

  £586,134,000 → £387,550,000

• Net assets

  +13.3%

  £173,082,000 → £196,143,000

• Employees

  +10.7%

  300 → 332

• Profit before tax

  +46.9%

  -£8,861,000 → -£4,702,000

• Wages

  +14%

  £21,605,000 → £24,637,000

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

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.

Accounting basis

IFRS

Reporting scope

Consolidated group

Auditor

BDO LLP

Audit opinion

Unqualified (clean)

Going concern

Affirmed

“The Group is still in the growth stage and the directors expect the Group, in the normal course of business, to require additional funding from its investors in order to continue to grow and to fulfil its business plan, until longer-term sustainable profitability is achieved. The principal investor has been consistently supportive to date, and has indicated that, based on the facts and circumstances they are aware of at the date of signing, it is their current intention to financially support the Group for a period of not less than 12 months from the date of approval of these financial statements.”

Group structure

1. CHETWOOD FINANCIAL LIMITED · parent
   1. Yobota Limited · UK · technology company
   2. Arrowsmiths No 1 Limited · UK · not trading
   3. CHL Mortgages for Intermediaries Ltd · UK · specialist buy-to-let mortgage lender
   4. Chetwood Funding 2024-1 PLC · UK · Provision of finance
   5. Chetwood Funding 2024-1 Holdings Limited · UK · Investment holding

Significant events

• “CMI was acquired on May 20, 2024, when Chetwood purchased 100% of the share capital of the business for total consideration of £8m.”
• “Moda Mortgages, which launched in July 2024.”
• “In December, the Company purchased a £70m portfolio of unsecured consumer loans for a total consideration of £41m from a related party.”
• “Chetwood's retail savings proposition continues to go from strength to strength, with the book growing by £956m over the year to reach £3.8bn at the year end.”
• “On the 22 May 2025, Chetwood Financial Limited issued 13,333,334 shares at £0.01, and £19.9m share premium to Alessandro Investments Limited.”
• “In January 2024, the firm securitised £1.2bn of mortgages by transferring them into a special purpose vehicle (Chetwood Funding PLC Issuer 2024-1).”
• “On 13th December 2024, the Group purchased £70m of unsecured loans for consideration of £41m, from Cherub Funding Limited ('Cherub'), a legally remote structure under common ultimate ownership.”

Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers

Filings

11

last 12 months

Capital events

3

last 24 months

Officers appointed

3

last 12 months

Officers resigned

2

last 12 months

Direct counts from the register. No score, no rating — see the Filing timeline for the underlying events.