CHARLES STREET FINANCE HOLDINGS 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

  +65.4%

  £35,071,000 → £58,017,000

• Cash

  -33.1%

  £16,943,000 → £11,337,000

• Net assets

  +22%

  £105,160,000 → £128,319,000

• Employees

  +20%

  5 → 6

• Operating profit

  +66.4%

  £20,333,000 → £33,827,000

• Profit before tax

  +100.1%

  £15,243,000 → £30,504,000

• Wages

  +45.6%

  £149,000 → £217,000

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

FRS 102

Reporting scope

Consolidated group

Auditor

Ernst & Young LLP

Audit opinion

Unqualified (clean)

Going concern

Affirmed

“The directors confirm they are satisfied that the Group has adequate resources to continue in operational existence to 11 December 2026, which is a period of 12 months from the date of this report and for the foreseeable future. For this reason, they continue to adopt the going concern basis for preparing financial statements.”

Group structure

1. CHARLES STREET FINANCE HOLDINGS LIMITED · parent
   1. Charles Street Commercial Investments Limited 100% · United Kingdom · Commercial lending
   2. Charles Street Capital Limited 100% · United Kingdom · Commercial lending

Significant events

• “In July 2024, an additional lender joined the CSCI Facility and total commitments available increased by £75.0m to £245.0m, comprising £95.0m term loan and £150.0m revolving credit facility. At the same time, the Facility Termination date was extended to 1 May 2027.”
• “In August 2024, CSC entered into a new fixed term, variable rate loan, totalling £11.5m”
• “In November 2024, Redhill Famco Limited continued its funding support of CSC with a new loan of £11.0m which supersedes and replaces in its entirety the existing loan agreement of £6.0m.”
• “In December 2024, CSC drew down an additional £12.5m on the BDA facility, totalling the drawn balance at £25.0m whilst renewing the facility and extending the maturity date to 11 December 2025.”
• “Also in December 2024, CSC purchased at book value, loans from a related party, Together Commercial Finance Limited, totalling £9.3m.”
• “In May 2025, CSC increased its BDA facility by an additional £10.0m, totalling the drawn facility at £35.0m.”
• “In October 2025, CSCI refinanced its senior secured agreement with total commitments available increased by £50.0m to £295.0m, comprising £95.0m term loan and £200.0m revolving credit facility. At the same time the Facility Termination date was extended to 21 October 2028.”

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

Filings

3

last 12 months

Capital events

0

last 24 months

Officers appointed

1

last 12 months

Officers resigned

0

last 12 months

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