TESCO PERSONAL FINANCE LIMITED
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Next accounts due
2026-11-30 (in 6mo)
Last filed for 2025-02-28
Confirmation statement due
2027-03-26 (in 10mo)
Last made up 2026-03-12
Watchouts
Cash
£127M
-71.2% vs 2024
Net assets
£822M
-25.6% vs 2024
Employees
2,632
-17.3% vs 2024
Profit before tax
£84M
+64.6% vs 2024
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
3 officer resignations in last 12 months
Multiple officers have left the board recently — see the People section for who.
Net assets
2-year trend · vs Financials median
Accounts
2-year trend · latest reflected 2025-02-28
| Metric | Trend | 2024-02-29 | 2025-02-28 |
|---|---|---|---|
| Turnover | — | — | |
| Operating profit | — | — | |
| Profit before tax | £50,800,000 | £83,600,000 | |
| Net profit | -£303,700,000 | £95,000,000 | |
| Cash | £440,200,000 | £126,600,000 | |
| Total assets less current liabilities | — | — | |
| Net assets | £1,104,300,000 | £821,900,000 | |
| Equity | £1,104,300,000 | £821,900,000 | |
| Average employees | 3,182 | 2,632 | |
| Wages | £30,600,000 | £48,900,000 | |
| Directors' remuneration | £8,000,000 | £9,700,000 |
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 2025-02-28 vs 2024-02-29
-
Turnover
—
Not reported
-
Cash
-71.2%
£440,200,000 £126,600,000
-
Net assets
-25.6%
£1,104,300,000 £821,900,000
-
Employees
-17.3%
3,182 2,632
-
Profit before tax
+64.6%
£50,800,000 £83,600,000
-
Wages
+59.8%
£30,600,000 £48,900,000
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 | 2024-02-29 | 2025-02-28 |
|---|---|---|---|
| Gearing (liabilities / total assets) | 88.7% | 15.1% |
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 3 times since incorporation — the current trading name was adopted 2024-12-06
- TESCO PERSONAL FINANCE LIMITED 2024-12-06 → present
- TESCO PERSONAL FINANCE PLC 2008-12-22 → 2024-12-06
- TESCO PERSONAL FINANCE LIMITED 1997-04-25 → 2008-12-22
- ROBOSCOT (27) LIMITED 1997-03-05 → 1997-04-25
Audit & accounting basis
- Accounting basis
- IFRS
- Reporting scope
- Standalone (parent only)
- Auditor
- Deloitte LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The Directors consider that the Company has adequate resources to remain in operation for the foreseeable future and have therefore continued to adopt the going concern basis in preparing the Financial Statements. The Company has no reliance on external funding sources, holds capital significantly in excess of the minimum regulatory requirement and is forecast to do so throughout the going concern assessment period.”
Significant events
- “the Company completed the sale of its banking business, which primarily comprised its Credit Cards, Personal Loans and Savings portfolios, to Barclays Bank UK PLC (Barclays) on 1 November 2024.”
- “The Company was previously a public limited company and was re-registered during the year post sale of the banking business as a private limited company on 6 December 2024.”
- “In March 2024 the Board approved the signing of a contract with a new third party Insurance underwriter for the provision of pet insurance underwriting, white label distribution and policy administrative services.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
8 active · 74 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| STIVEY, Gail Evelyn | Secretary | 2025-07-04 | — | — |
| BUCKLEY, Elizabeth Mary | Director | 2021-12-09 | Aug 1968 | Irish |
| BUNDELL, Craig Peter | Director | 2025-07-04 | Jan 1981 | British |
| CASS, Gillian Barbara | Director | 2024-11-29 | Mar 1976 | British |
| CRONIN, Margot | Director | 2024-11-01 | Aug 1963 | Irish |
| CURRIE, Julie Louise | Director | 2025-10-31 | Mar 1974 | British |
| MANCHESTER, Peter Damien | Director | 2025-01-23 | Aug 1962 | British |
| RAMSAY, Caroline Frances, Ms | Director | 2024-11-01 | Dec 1962 | British |
Show 74 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BURDEN, Fiona | Secretary | 2022-02-01 | 2024-11-01 |
| LLOYD, Jonathan Mark | Secretary | 2008-12-19 | 2014-05-13 |
| MACGILLIVRAY, Shirley Margaret | Secretary | 1997-03-05 | 1997-06-26 |
| MILLS, Alan Ewing | Secretary | 1997-06-26 | 2008-12-19 |
| MITCHELL, Patricia Lynne | Secretary | 2024-11-01 | 2025-07-04 |
| MUSTARD, Michael William | Secretary | 2014-05-13 | 2022-02-01 |
| AGER, Rowley Stuart | Director | 1997-06-26 | 2004-02-06 |
| ALLAN, John Napier | Director | 1997-06-26 | 1998-02-27 |
| ASHDOWN, Timothy Robert | Director | 2005-12-29 | 2008-07-23 |
| BEDLOW, Karl Robert Douglas | Director | 2016-01-29 | 2019-06-20 |
| BLACK, William Scott | Director | 1998-02-27 | 2004-03-26 |
| BOLE, Peter Douglas | Director | 2011-12-13 | 2016-10-03 |
| BROUWERS, Feike Erik | Director | 2015-08-05 | 2017-01-23 |
| BULLOCH, Robert James Mackenzie | Director | 2006-09-29 | 2008-12-19 |
| BULLOCK, Gareth Richard | Director | 2012-07-17 | 2015-12-09 |
| CAMPBELL, Hew | Director | 1997-03-05 | 1997-06-26 |
| CASTAGNO, John | Director | 2016-10-01 | 2019-09-30 |
| CHAMBERS, Stuart John | Director | 2012-07-17 | 2014-02-04 |
| CHIPPENDALE, Ian Hugh | Director | 1998-02-27 | 2006-08-25 |
| CLINK, Iain | Director | 2008-12-19 | 2018-08-24 |
| CLINK, Iain | Director | 2002-03-28 | 2008-07-31 |
| COURT, Annette Elizabeth | Director | 2006-08-25 | 2006-11-08 |
| CURRIE, Julie Louise | Director | 2021-02-01 | 2024-11-01 |
| DEWHURST, Andrew William | Director | 2002-03-28 | 2003-11-28 |
| DEWHURST, Andrew William | Director | 1997-06-26 | 1998-02-27 |
| DOHERTY, Shaun Edward | Director | 2008-12-19 | 2012-08-31 |
| DUGGAN, Gary John | Director | 2024-11-01 | 2025-02-11 |
| ENDERSBY, Robert Duncan | Director | 2014-12-05 | 2025-05-01 |
| FERGUSON, Jacqueline | Director | 2018-04-26 | 2024-11-01 |
| FITZGERALD, Scott Paul | Director | 2024-10-01 | 2024-11-01 |
| GOPALAKRISHNAN, Prasanna | Director | 2023-01-10 | 2024-09-01 |
| GRACE, Kevin Paul | Director | 2000-10-27 | 2002-10-04 |
| HENDERSON, Richard John | Director | 2017-03-29 | 2024-11-01 |
| HEWITT, Paul William | Director | 2012-10-03 | 2014-05-01 |
| HIGGINS, Bernard | Director | 2008-08-29 | 2018-02-28 |
| HIGGINS, Bernard | Director | 1998-02-27 | 2006-01-05 |
| HIGGINSON, Andrew Thomas | Director | 1998-02-27 | 2012-02-26 |
| HILL, Adrian Richard | Director | 2008-12-19 | 2013-12-04 |
| HORNER, Alison | Director | 2009-05-29 | 2010-12-17 |
| HOURICAN, Declan Joseph | Director | 2016-11-14 | 2021-06-29 |
| HUNKIN, Ricky David | Director | 2011-01-28 | 2014-06-30 |
| KINGMAN, John Oliver Frank, Sir | Director | 2019-11-01 | 2023-01-22 |
| MACDONALD, James Thomas | Director | 2004-03-26 | 2006-08-18 |
| MACHELL, Simon Christopher John | Director | 2013-11-12 | 2025-05-01 |
| MAIN, William Hill | Director | 2009-01-30 | 2011-06-24 |
| MALLON, Gerard Martin | Director | 2018-08-13 | 2024-11-01 |
| MASON, Timothy John Rollit | Director | 1997-06-26 | 2006-08-25 |
| MCCONVILLE, James | Director | 2014-11-25 | 2021-02-01 |
| MCCREADIE, David Andrew | Director | 2015-12-09 | 2019-06-20 |
| MCKEAN, Alan Wallace | Director | 1997-03-05 | 1997-06-26 |
| MCLUSKIE, Norman Cardie | Director | 1997-06-26 | 2007-11-30 |
| MELBOURN, John William | Director | 1998-03-27 | 2008-03-31 |
| MORRIS, Adrian Charles | Director | 2021-04-30 | 2024-07-12 |
| OPPENHEIMER, Deanna Watson | Director | 2012-07-17 | 2016-12-31 |
| PATEL, Tikendra | Director | 2021-12-30 | 2024-11-01 |
| PELL, Gordon Francis | Director | 2007-02-02 | 2008-12-19 |
| PIERCE, Raymond Francis | Director | 2009-04-24 | 2017-12-31 |
| PIMLOTT, Graham Fenwick | Director | 2008-03-31 | 2020-04-17 |
| REED, John | Director | 2011-03-30 | 2013-02-13 |
| REID, David Edward | Director | 1997-06-26 | 1998-02-27 |
| RENDLE, Amanda Jane | Director | 2016-12-13 | 2023-05-31 |
| ROWE, Paulette Georgina | Director | 2008-12-19 | 2009-08-28 |
| SACH, Derek Stephen | Director | 1997-06-26 | 1998-02-27 |
| SCHOFIELD, George Anthony | Director | 1998-04-24 | 2003-11-28 |
| SCOTT, Newton | Director | 1997-06-26 | 1998-02-27 |
| SMITH, Colin George | Director | 1999-07-30 | 2000-10-27 |
| STEWART, Alan James Harris | Director | 2017-01-16 | 2021-04-30 |
| SULLIVAN, Christopher Paul | Director | 2004-03-26 | 2008-12-19 |
| TOUGH, Eric George William | Director | 1997-03-05 | 1997-06-26 |
| TOWLE, Kenneth Ian | Director | 2003-02-14 | 2005-06-30 |
| WADE-GERY, Laura Katharine | Director | 2004-04-30 | 2011-01-28 |
| WALKER, Deborah Ann | Director | 2022-01-18 | 2024-11-01 |
| WEMMS, John Michael | Director | 1998-02-27 | 1999-07-30 |
| WILLENS, James Henry | Director | 2017-05-12 | 2021-09-28 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Tesco Personal Finance Group Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Active |
Filing timeline
Last 20 of 355 total filings
Material constitutional events — rename, articles re-file, resolution
- 2026-02-04 RESOLUTIONS Resolution
- 2025-02-27 RESOLUTIONS Resolution
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-03-23 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2026-02-04 | SH19 | capital | Capital statement capital company with date currency figure | |
| 2026-02-04 | SH20 | capital | Legacy | |
| 2026-02-04 | CAP-SS | insolvency | Legacy | |
| 2026-02-04 | RESOLUTIONS | resolution | Resolution | |
| 2025-11-07 | AP01 | officers | Appoint person director company with name date | |
| 2025-07-11 | AP03 | officers | Appoint person secretary company with name date | |
| 2025-07-11 | TM02 | officers | Termination secretary company with name termination date | |
| 2025-07-11 | AP01 | officers | Appoint person director company with name date | |
| 2025-05-13 | AA | accounts | Accounts with accounts type full | |
| 2025-05-06 | TM01 | officers | Termination director company with name termination date | |
| 2025-05-06 | TM01 | officers | Termination director company with name termination date | |
| 2025-03-19 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2025-03-18 | PSC05 | persons-with-significant-control | Change to a person with significant control | |
| 2025-02-27 | SH19 | capital | Capital statement capital company with date currency figure | |
| 2025-02-27 | SH20 | capital | Legacy | |
| 2025-02-27 | CAP-SS | insolvency | Legacy | |
| 2025-02-27 | RESOLUTIONS | resolution | Resolution | |
| 2025-02-13 | TM01 | officers | Termination director company with name termination date | |
| 2025-02-07 | AP01 | officers | Appoint person director company with name date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 12
- Capital events
- 4
- Officers appointed
- 3
- Officers resigned
- 3
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.