CHESTER A PLC
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Cash
—
Latest balance sheet
Net assets
-£846k
+87.1% vs 2025
Employees
0
Average over period
Profit before tax
£5.7m
+142.5% highest in 3 filed years
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
Material uncertainty over going concern
These conditions, along with the other matters explained in note 2 to the financial statements, indicate the existence of a material uncertainty which may cast significant doubt about the company's ability to continue as a going concern.
-
Going-concern uncertainty disclosed
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Negative shareholders' funds
Net assets
3-year trend · vs Financials median
Accounts
3-year trend · Δ = latest vs prior filed period · latest reflected 2026-01-31
| Metric | Trend | 2024-01-31 | 2025-01-31 | 2026-01-31 | Δ vs prior |
|---|---|---|---|---|---|
| Net interest income | — | -£4,744,618 | £6,363,794 | +234.1% | |
| Fee & commission income | — | — | — | — | |
| Operating income | — | -£4,744,618 | £6,363,794 | +234.1% | |
| Impairment losses | — | £2,772,565 | -£4,050,905 | -246.1% | |
| Profit before tax | -£16,437,266 | -£13,496,592 | £5,734,399 | +142.5% | |
| Net profit | -£16,438,226 | -£13,497,592 | £5,733,399 | +142.5% | |
| Loans & advances to customers | — | £834,309,568 | £689,424,100 | -17.4% | |
| Customer deposits | — | £873,326,112 | £718,325,988 | -17.7% | |
| Total assets | — | £873,564,871 | £722,081,312 | -17.3% | |
| Total liabilities | — | £880,144,498 | £722,927,540 | -17.9% | |
| Equity | £6,917,965 | -£6,579,627 | -£846,228 | +87.1% | |
| Average employees | 0 | 0 | 0 | — |
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 | 2024-01-31 | 2025-01-31 | 2026-01-31 |
|---|---|---|---|---|
| Gearing (liabilities / total assets) | — | 100.8% | 100.1% | |
| Current ratio | 1.02x | 1.15x | — |
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
- CHESTER A PLC 2019-03-08 → present
- CHESTER SECURED PLC 2019-01-31 → 2019-03-08
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Standalone (parent only)
- Auditor
- PricewaterhouseCoopers LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Material uncertainty disclosed
“These conditions, along with the other matters explained in note 2 to the financial statements, indicate the existence of a material uncertainty which may cast significant doubt about the company's ability to continue as a going concern.”
Significant events
- “As at the date of signing the financial statements, the Portfolio Option Holder has not exercised the Portfolio Purchase Option.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
4 active · 3 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| CSC CORPORATE SERVICES (UK) LIMITED | Corporate Secretary | 2019-01-31 | — | — |
| MCGRATH, Catherine Mary Elizabeth | Director | 2023-01-13 | Dec 1989 | British |
| CSC DIRECTORS (NO.1) LIMITED | Corporate Director | 2019-01-31 | — | — |
| CSC DIRECTORS (NO.2) LIMITED | Corporate Director | 2023-12-08 | — | — |
Show 3 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| NURSIAH, Vinoy Rajanah | Director | 2019-02-25 | 2023-01-13 |
| STERNBERG, Aline | Director | 2019-01-31 | 2023-12-08 |
| CSC DIRECTORS (NO.2) LIMITED | Corporate Director | 2019-01-31 | 2019-02-25 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Chester A Holding Ltd | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2019-01-31 | Active |
Filing timeline
Last 20 of 36 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-07-23 | AA | accounts | Accounts with accounts type full | |
| 2026-02-11 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-08-05 | AA | accounts | Accounts with accounts type full | |
| 2025-01-30 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-11-11 | AA | accounts | Accounts with accounts type full | |
| 2024-01-30 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-12-08 | AP02 | officers | Appoint corporate director company with name date | |
| 2023-12-08 | TM01 | officers | Termination director company with name termination date | |
| 2023-08-07 | AA | accounts | Accounts with accounts type full | |
| 2023-02-10 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-01-18 | AP01 | officers | Appoint person director company with name date | |
| 2023-01-18 | TM01 | officers | Termination director company with name termination date | |
| 2022-07-05 | AA | accounts | Accounts with accounts type full | |
| 2022-02-07 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-02-07 | PSC05 | persons-with-significant-control | Change to a person with significant control | |
| 2021-12-07 | CH01 | officers | Change person director company with change date | |
| 2021-12-03 | AA | accounts | Accounts with accounts type full | |
| 2021-10-11 | PSC05 | persons-with-significant-control | Change to a person with significant control | |
| 2021-10-11 | PSC05 | persons-with-significant-control | Change to a person with significant control | |
| 2021-02-03 | CS01 | confirmation-statement | Confirmation statement with no updates |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 3
- 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.