CARFICO LIMITED
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Next accounts due
2026-12-31 (in 7mo)
Last filed for 2025-03-31
Confirmation statement due
2026-06-27 (in 1mo)
Last made up 2025-06-13
Watchouts
Cash
£6M
+15.4% vs 2024
Net assets
£17M
+993.3% vs 2024
Employees
102
-6.4% vs 2024
Profit before tax
-£2M
+64.6% vs 2024
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
1 PSC ceased in last 24 months
Significant control changed hands — see the Ownership section.
Net assets
2-year trend · vs Financials median
Accounts
2-year trend · latest reflected 2025-03-31
| Metric | Trend | 2024-03-31 | 2025-03-31 |
|---|---|---|---|
| Turnover | £17,530,000 | £18,492,000 | |
| Operating profit | £782,000 | £3,362,000 | |
| Profit before tax | -£6,980,000 | -£2,470,000 | |
| Net profit | -£6,980,000 | -£2,470,000 | |
| Cash | £5,062,000 | £5,842,000 | |
| Total assets less current liabilities | £52,594,000 | £76,514,000 | |
| Net assets | £1,600,000 | £17,493,000 | |
| Equity | £1,600,000 | £17,493,000 | |
| Average employees | 109 | 102 | |
| Wages | £4,760,000 | £4,539,000 | |
| Directors' remuneration | £523,000 | £753,000 |
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
FY2024 → FY2025 · period ending 2025-03-31 vs 2024-03-31
-
Turnover
+5.5%
£17,530,000 £18,492,000
-
Cash
+15.4%
£5,062,000 £5,842,000
-
Net assets
+993.3%
£1,600,000 £17,493,000
-
Employees
-6.4%
109 102
-
Operating profit
+329.9%
£782,000 £3,362,000
-
Profit before tax
+64.6%
-£6,980,000 -£2,470,000
-
Wages
-4.6%
£4,760,000 £4,539,000
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
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2024-03-31 | 2025-03-31 |
|---|---|---|---|
| Operating margin | 4.5% | 18.2% | |
| Net margin | -39.8% | -13.4% | |
| Return on capital employed | 1.5% | 4.4% | |
| Current ratio | 4.72x | 20.29x | |
| Interest cover | 0.10x | 0.56x |
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
- Azets Audit Services Limited
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“the Directors are confident that the Group will have sufficient funds to continue to meet its liabilities as they fall due for at least 12 months from the date of approval of the financial statements and therefore have prepared the financial statements on a going concern basis.”
Group structure
- CARFICO LIMITED · parent
- Go Car Credit Limited 100%
- GCC Funding (No.4) Limited 100%
- GCC Funding (No.5) Limited 100%
- GCC Funding (Paragon) Limited 100%
Significant events
- “In August 2025, the Supreme Court judgement on commission disclosure has brought much-needed clarity to the market and the FCA is expected to announce its proposal for a redress scheme. Given the judgment and the FCA's statements on the matter, the Group does not consider there to be any material liability with respect to commission disclosure.”
- “Since the balance sheet date, the Group has secured additional third-party funding of ","£20m.”
- “Subsequent to the year end, the directors have taken the decision to close the Group's vehicle retail site. Management are currently reviewing the structure of the vehicle disposal channel and expect this to be completed by March 2026.”
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 |
|---|---|---|---|---|
| BARRON, Adam James | Director | 2017-07-04 | Sep 1968 | British |
| FRANKLIN, Toby Huw Thomas | Director | 2017-05-04 | Apr 1972 | British |
| GILES, Mark Drummond | Director | 2019-01-16 | Jul 1968 | British |
Show 1 resigned officer
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| HAWKEN, Mark | Director | 2017-09-01 | 2019-01-16 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Mr Gideon Mark Harbour | Individual | Significant influence | 2024-06-26 | Active |
| Mr Daniel Cutler | Individual | Shares 25–50%, Voting 25–50% | 2017-05-25 | Ceased 2024-06-26 |
| Chrome Holdings Limited | Corporate entity | Shares 25–50%, Voting 25–50% | 2017-05-25 | Ceased 2017-05-25 |
| Mr Adam James Barron | Individual | Shares 25–50%, Voting 25–50% | 2017-05-25 | Active |
| Mr Toby Huw Thomas Franklin | Individual | Shares 75–100%, Voting 75–100%, Appoints directors | 2017-05-04 | Ceased 2017-05-25 |
Filing timeline
Last 20 of 48 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2025-12-29 | AA | accounts | Accounts with accounts type group | |
| 2025-12-04 | SH01 | capital | Capital allotment shares | |
| 2025-06-18 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-01-04 | AA | accounts | Accounts with accounts type group | |
| 2024-06-26 | PSC01 | persons-with-significant-control | Notification of a person with significant control | |
| 2024-06-26 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-06-26 | PSC07 | persons-with-significant-control | Cessation of a person with significant control | |
| 2024-02-17 | AA | accounts | Accounts with accounts type group | |
| 2023-10-20 | CH01 | officers | Change person director company with change date | |
| 2023-06-14 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-06-14 | PSC04 | persons-with-significant-control | Change to a person with significant control | |
| 2023-06-14 | CH01 | officers | Change person director company with change date | |
| 2023-06-14 | CH01 | officers | Change person director company with change date | |
| 2023-06-14 | CH01 | officers | Change person director company with change date | |
| 2022-11-16 | AA | accounts | Accounts with accounts type group | |
| 2022-06-22 | PSC04 | persons-with-significant-control | Change to a person with significant control | |
| 2022-06-13 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-04-04 | AA | accounts | Accounts with accounts type group | |
| 2021-10-07 | PSC04 | persons-with-significant-control | Change to a person with significant control | |
| 2021-10-07 | CH01 | officers | Change person director company with change date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 3
- Capital events
- 1
- 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.