COUTTS FINANCE CO.
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Cash
—
Latest balance sheet
Net assets
£5.1M
-29% lowest in 3 filed years
Employees
—
Average over period
Profit before tax
£2.6M
-44.5% lowest in 3 filed years
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
Confirmation statement overdue
Due 2026-07-02.
Net assets
3-year trend · vs Financials median
Accounts
3-year trend · Δ = latest vs prior filed period · latest reflected 2025-12-31
| Metric | Trend | 2023-12-31 | 2024-12-31 | 2025-12-31 | Δ vs prior |
|---|---|---|---|---|---|
| Net interest income | — | £4,804,000 | £2,845,000 | -40.8% | |
| Fee & commission income | — | £4,000 | £4,000 | 0% | |
| Operating income | — | £4,808,000 | £2,849,000 | -40.7% | |
| Impairment losses | — | -£38,000 | £101,000 | +365.8% | |
| Profit before tax | £5,971,000 | £4,655,000 | £2,585,000 | -44.5% | |
| Net profit | £4,314,000 | £3,352,000 | £1,861,000 | -44.5% | |
| Loans & advances to customers | — | £99,214,000 | £65,081,000 | -34.4% | |
| Customer deposits | — | £91,688,000 | £59,664,000 | -34.9% | |
| Total assets | £155,958,000 | £99,252,000 | £65,111,000 | -34.4% | |
| Total liabilities | — | £92,039,000 | £59,987,000 | -34.8% | |
| Equity | £8,961,000 | £7,213,000 | £5,124,000 | -29% | |
| Average employees | 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 | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|
| Operating margin | 73.3% | 71.6% | — | |
| Net margin | 53.1% | 52.0% | — | |
| Return on capital employed | 5.7% | 7.2% | — | |
| Gearing (liabilities / total assets) | 94.3% | 92.7% | — | |
| Interest cover | 2.91x | 2.81x | — |
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
- UK adopted International Accounting Standards (IAS)
- Reporting scope
- Standalone (parent only)
- Auditor
- Ernst & Young LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The directors have a reasonable expectation that the Company has adequate resources to meet regulatory capital requirements and continue in operational existence for the period of 12 months from the date of approval of these financial statements and have prepared the financial statements on a going concern basis. This conclusion is based on the directors' assessment of the Company's financial position, including the expectation of financial and operational support provided by the parent company. The directors, in relying on this support, have considered the parent company's ability to provide this support with no issues. noted.”
Significant events
- “There have been no significant events between 31 December 2025 and the date of approval of these accounts which would require a change to or additional disclosure in the accounts.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
3 active · 42 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| NATWEST GROUP SECRETARIAL SERVICES LIMITED | Corporate Secretary | 2021-03-19 | — | — |
| CRYSTAL, Emma Linnea Mathilda | Director | 2024-07-08 | May 1979 | British |
| MUNRO, Elizabeth Amstutz | Director | 2025-10-01 | Aug 1970 | British |
Show 42 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| ARBER, Annabelle Katy | Secretary | 2019-02-01 | 2020-03-11 |
| DOYLE, Sally Anne | Secretary | 2000-03-13 | 2016-09-12 |
| GLENNIE, Gloria Jayne | Secretary | 1998-09-29 | 1999-06-01 |
| LEWIS, Timothy John | Secretary | — | 1996-09-09 |
| LINSLEY, Samantha Helen | Secretary | 1996-09-09 | 1998-09-30 |
| MACKAY, Fiona Mary | Secretary | 2016-09-12 | 2019-01-31 |
| NICHOLSON, Ruth | Secretary | 1999-06-01 | 2000-03-13 |
| RICKS, Ralph Antoine | Secretary | 2020-03-11 | 2021-03-19 |
| ASSHETON, Nicholas, The Hon | Director | 1993-09-30 | 1999-05-23 |
| BOYLAN, Siobhan Geraldine | Director | 2023-09-01 | 2025-07-18 |
| BUTLER, Anthony Richard | Director | 1994-01-18 | 2002-11-30 |
| CARTER, Nigel Desmond | Director | 2004-06-30 | 2009-07-31 |
| CLARRY, James Antony | Director | 2015-11-23 | 2019-11-06 |
| COLYER, Edward George | Director | 2002-11-25 | 2004-06-30 |
| CORIN, Anthony Hugo | Director | 1995-11-30 | 1997-03-29 |
| CROMWELL, Kelvin George | Director | 2000-12-01 | 2002-12-31 |
| FARNSWORTH, Ian Ross | Director | — | 1995-06-30 |
| FLAVEL, Peter Gordon | Director | 2019-11-06 | 2023-07-27 |
| FLETCHER, Stephen John | Director | 2008-10-01 | 2015-07-14 |
| FROST, Gavin Christopher | Director | 2011-02-21 | 2013-12-31 |
| GORNALL, Nicholas David Stanley | Director | 2009-11-02 | 2012-01-27 |
| HAIGH, Andrew Michael | Director | 2002-11-25 | 2012-05-25 |
| HILTON, Mark | Director | 1997-06-12 | 1999-11-08 |
| HORNE, Christopher Malcolm | Director | — | 1996-09-27 |
| KIRBY, Alice Josephine | Director | 2003-10-23 | 2004-06-30 |
| KYLE, Andrew Richard | Director | 2019-03-19 | 2023-08-01 |
| LAY, Ian Stuart | Director | 1999-11-08 | 2004-06-30 |
| LITTLEBOY, Peregrine Aidan Eldon | Director | 2004-06-30 | 2008-10-01 |
| MONEY-COUTTS, David Burdett, Sir | Director | — | 1993-09-30 |
| MORLEY, Michael John | Director | 2012-05-25 | 2016-03-21 |
| MULHOLLAND, Brian Martin | Director | 2015-07-01 | 2016-08-22 |
| NEWEY, Stuart William | Director | 2014-03-03 | 2019-11-06 |
| RAWLINGSON, James Hedley | Director | 2007-05-08 | 2011-02-22 |
| REGAN, Michael Robert | Director | 2016-09-01 | 2019-01-31 |
| SMITH, Paul Alfred | Director | 2012-01-27 | 2015-08-07 |
| STEMMONS, Robert Earl | Director | 1996-09-09 | 2000-12-01 |
| SYED, Mohammad Kamal | Director | 2023-07-27 | 2024-07-08 |
| TAYLOR, Robert Bruce | Director | 2004-06-30 | 2004-07-14 |
| TURNER, Kate Macdonald | Director | 2004-08-11 | 2011-12-16 |
| WELLS, Stuart Henry | Director | — | 1994-01-17 |
| WHITE, Duncan Robert | Director | 2003-01-06 | 2003-09-19 |
| WILLIAMS, Dylan Lee | Director | 2012-01-27 | 2019-11-06 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Coutts & Company | Corporate entity | Shares 75–100%, Voting 75–100% | 2016-04-06 | Active |
Filing timeline
Last 20 of 209 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-05-16 | AA | accounts | Accounts with accounts type full | |
| 2025-10-14 | AP01 | officers | Appoint person director company with name date | |
| 2025-07-21 | TM01 | officers | Termination director company with name termination date | |
| 2025-06-26 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2025-05-13 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2025-05-06 | AA | accounts | Accounts with accounts type full | |
| 2024-08-07 | CH01 | officers | Change person director company with change date | |
| 2024-07-09 | TM01 | officers | Termination director company with name termination date | |
| 2024-07-09 | AP01 | officers | Appoint person director company with name date | |
| 2024-05-09 | AA | accounts | Accounts with accounts type full | |
| 2024-04-25 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2023-09-05 | AP01 | officers | Appoint person director company with name date | |
| 2023-08-18 | AP01 | officers | Appoint person director company with name date | |
| 2023-08-18 | TM01 | officers | Termination director company with name termination date | |
| 2023-08-18 | TM01 | officers | Termination director company with name termination date | |
| 2023-04-20 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2023-03-30 | AA | accounts | Accounts with accounts type full | |
| 2022-05-26 | AA | accounts | Accounts with accounts type full | |
| 2022-04-14 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2021-08-26 | 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
- 0
- Officers appointed
- 1
- Officers resigned
- 1
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.