ARNOLD CLARK FINANCE LIMITED.
Operating as a wholly owned subsidiary of the dealership group Arnold Clark Automobiles Limited, the company provides vehicle finance, renting, and leasing services for cars and light motor vehicles.
Get an alert when ARNOLD CLARK FINANCE LIMITED. files next
Leroy will email you the moment a new filing lands at Companies House — one short note per filing, nothing else.
Cash
£60M
+26.2% vs 2023
Net assets
£218M
+2.2% vs 2023
Employees
795
+4.5% vs 2023
Profit before tax
£6.2M
-84.7% vs 2023
Net assets
2-year trend · vs Consumer Discretionary median
Accounts
2-year trend · Δ = latest vs prior filed period · latest reflected 2024-12-31
| Metric | Trend | 2023-12-31 | 2024-12-31 | Δ vs prior |
|---|---|---|---|---|
| Turnover | £537,400,000 | £606,500,000 | +12.9% | |
| Operating profit | £80,100,000 | £52,600,000 | -34.3% | |
| Profit before tax | £40,500,000 | £6,200,000 | -84.7% | |
| Net profit | £30,800,000 | £4,600,000 | -85.1% | |
| Cash | £47,700,000 | £60,200,000 | +26.2% | |
| Total assets less current liabilities | — | — | — | |
| Net assets | £213,500,000 | £218,100,000 | +2.2% | |
| Equity | £213,500,000 | £218,100,000 | +2.2% | |
| Average employees | 761 | 795 | +4.5% | |
| Wages | £21,700,000 | £23,300,000 | +7.4% | |
| Directors' remuneration | £500,000 | £500,000 | 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 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Operating margin | 14.9% | 8.7% | |
| Net margin | 5.7% | 0.8% | |
| Gearing (liabilities / total assets) | 77.9% | 78.5% | |
| Current ratio | 0.24x | 0.26x | |
| Interest cover | 2.02x | 1.13x |
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 101
- Reporting scope
- Standalone (parent only)
- Auditor
- Deloitte LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“After making enquiries, the Directors consider that the Group has adequate resources to meet its liabilities as they fall due for the foreseeable future. Accordingly, they continue to adopt the going concern basis in preparing the accounts.”
Significant events
- “Early in 2025, we launched our new branding and website arnoldclarkleasing.com. Early indications suggest that this will make a positive contribution to our business and results.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
4 active · 6 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| THORPE, Stuart Kenneth | Secretary | 2013-11-19 | — | — |
| COOPER, David Martin | Director | 2004-04-02 | Jan 1973 | British |
| HAWTHORNE, Edward | Director | 1998-08-01 | Dec 1966 | British |
| HOWIESON, Alan Harry David | Director | 2021-08-30 | Dec 1981 | British |
Show 6 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| KERR, Dugald Ferguson | Secretary | — | 2011-05-27 |
| MCLEAN, Kenneth John | Secretary | 2011-05-27 | 2013-11-19 |
| CLARK, John Arnold | Director | — | 2017-04-10 |
| HARVEY, Mark William Harold | Director | 2020-08-24 | 2021-06-07 |
| MCLEAN, Kenneth John | Director | 2014-08-20 | 2021-12-01 |
| WALLACE, Hugh Dawson | Director | — | 2015-05-19 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Arnold Clark Automobiles Limited | Corporate entity | Shares 75–100% | 2021-12-01 | Active |
| Lady Philomena Butler Clark | Individual | Significant influence | 2016-07-01 | Ceased 2021-12-01 |
| Sir John Arnold Clark | Individual | Significant influence | 2016-07-01 | Ceased 2017-04-10 |
Filing timeline
Last 20 of 125 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2025-08-14 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-06-30 | AA | accounts | Accounts with accounts type full | |
| 2024-10-03 | AA | accounts | Accounts with accounts type full | |
| 2024-08-15 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-09-22 | AA | accounts | Accounts with accounts type full | |
| 2023-08-22 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-09-27 | AA | accounts | Accounts with accounts type full | |
| 2022-08-17 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2021-12-06 | PSC07 | persons-with-significant-control | Cessation of a person with significant control | |
| 2021-12-02 | PSC02 | persons-with-significant-control | Notification of a person with significant control | |
| 2021-12-02 | TM01 | officers | Termination director company with name termination date | |
| 2021-09-23 | AA | accounts | Accounts with accounts type full | |
| 2021-08-30 | AP01 | officers | Appoint person director company with name date | |
| 2021-08-20 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2021-06-10 | TM01 | officers | Termination director company with name termination date | |
| 2020-10-27 | AA | accounts | Accounts with accounts type full | |
| 2020-08-26 | AP01 | officers | Appoint person director company with name date | |
| 2020-08-14 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2019-09-24 | AA | accounts | Accounts with accounts type full | |
| 2019-08-13 | CS01 | confirmation-statement | Confirmation statement with no updates |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 1
- 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.