JCB FINANCE LTD
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Cash
-£5.8M
+15.6% vs 2024
Net assets
£38M
-5.5% lowest in 3 filed years
Employees
114
+2.7% highest in 3 filed years
Profit before tax
£24M
+2.9% vs 2024
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
4 officer resignations in last 12 months
Multiple officers have left the board recently — see the People section for who.
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 |
|---|---|---|---|---|---|
| Turnover | £120,584,000 | £128,605,000 | £134,827,000 | +4.8% | |
| Operating profit | £69,615,000 | £78,926,000 | £87,184,000 | +10.5% | |
| Profit before tax | £31,074,000 | £23,717,000 | £24,406,000 | +2.9% | |
| Net profit | £23,117,000 | £16,734,000 | £17,047,000 | +1.9% | |
| Cash | — | -£6,925,000 | -£5,847,000 | +15.6% | |
| Total assets less current liabilities | £680,454,000 | £804,061,000 | £738,261,000 | -8.2% | |
| Net assets | £43,931,000 | £39,845,000 | £37,646,000 | -5.5% | |
| Equity | £43,931,000 | £39,845,000 | £37,646,000 | -5.5% | |
| Average employees | 109 | 111 | 114 | +2.7% | |
| Wages | £6,527,000 | £7,306,000 | £7,407,000 | +1.4% | |
| Directors' remuneration | £770,000 | £825,000 | £836,000 | +1.3% |
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 | 57.7% | 61.4% | 64.7% | |
| Net margin | 19.2% | 13.0% | 12.6% | |
| Return on capital employed | 10.2% | 9.8% | 11.8% | |
| Gearing (liabilities / total assets) | 96.8% | 97.3% | 97.5% | |
| Current ratio | 0.90x | 22.82x | 25.09x | |
| Interest cover | 1.81x | 1.43x | 1.39x |
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.
Name history
Renamed 1 time since incorporation
- JCB FINANCE LTD 1998-07-31 → present
- J.C.B. CREDIT LIMITED 1970-02-12 → 1998-07-31
Audit & accounting basis
- Accounting basis
- FRS 101
- 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 continue in operational existence for a period of 12 months from the date of approval of the financial statements and have therefore prepared the financial statements on a going concern basis.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
10 active · 42 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| HELDREICH, Robert John | Secretary | 2013-11-20 | — | — |
| DURBER, Lee John | Director | 2022-05-18 | Feb 1972 | British |
| EDWARDS, Paul Andrew | Director | 2024-09-12 | Apr 1975 | British |
| HALL, Jonathan Charles | Director | 2008-02-01 | Oct 1966 | British |
| HELDREICH, Robert John | Director | 2013-06-11 | Mar 1975 | British |
| ISAAC, Ian John | Director | 2025-06-10 | Sep 1963 | British |
| SWALLOW, Paul Thomas | Director | 2026-05-13 | Nov 1990 | British |
| TAYLOR, Nicholas William Alexander | Director | 2025-07-07 | Aug 1974 | English |
| THOMPSON, Lee James | Director | 2026-03-12 | Nov 1973 | New Zealander |
| WINTER, Robert Alexander Mark | Director | 2020-05-14 | Sep 1973 | British |
Show 42 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| HALL, Jonathan Charles | Secretary | 2008-02-01 | 2013-11-20 |
| SNELSON, Peter Johannus | Secretary | — | 2008-01-31 |
| BALDOCK, Alexander David | Director | 2008-08-01 | 2012-08-31 |
| BAMFORD, Anthony Paul, Lord | Director | — | 2013-06-11 |
| BAMFORD, Joseph Cyril Edward | Director | 2013-06-11 | 2016-11-17 |
| BARNARD, Andrew David | Director | 2012-08-31 | 2013-11-20 |
| BROWN, David Thomas | Director | 2020-07-03 | 2022-04-29 |
| BURGESS, David John | Director | 1993-10-12 | 2011-09-30 |
| DOLBEAR, David Samuel | Director | 2016-09-07 | 2020-07-03 |
| GADSBY, Andrew Paul | Director | 2015-01-02 | 2018-05-17 |
| GORDON, Alan John | Director | — | 1998-10-09 |
| GREEN, Gordon Bewick | Director | — | 1993-02-26 |
| GRILLS, Nicholas Simon David | Director | 2026-02-24 | 2026-04-30 |
| HANNEQUIN, Christophe | Director | 2022-05-18 | 2024-10-07 |
| HARGREAVES, Michael | Director | 2002-04-22 | 2020-04-20 |
| HART, Andrew Stuart | Director | 2009-03-24 | 2011-09-29 |
| HEMSLEY, Richard Andrew | Director | 2013-11-20 | 2015-01-02 |
| HUBINGER, Johannes Riaan | Director | 2024-11-13 | 2025-09-26 |
| ISAAC, Ian John | Director | 2011-09-29 | 2024-09-11 |
| JENNINGS, Paul Ronald | Director | 2011-10-01 | 2022-05-18 |
| JOHNSTON, Gilbert | Director | — | 1992-11-18 |
| KELLS, Ronald David | Director | — | 1999-02-15 |
| KINGSTON, William Bernard | Director | 1999-09-07 | 2001-09-30 |
| KNOWLES, Christopher George | Director | 2001-11-14 | 2004-03-31 |
| LEADBEATER, Edward Timothy David | Director | 1992-11-18 | 2006-05-10 |
| LYNAM, Paul Anthony | Director | 2004-11-01 | 2008-08-01 |
| MARROW, Paul | Director | 2004-04-01 | 2016-05-12 |
| MARSTON, Paul Martin | Director | 2005-06-09 | 2009-03-24 |
| MCGINTY, Gary Stephen | Director | 2021-04-01 | 2025-07-01 |
| MCKAY, Robert John | Director | 1998-11-25 | 1999-09-07 |
| MOFFAT, Peter | Director | 2021-11-10 | 2026-03-03 |
| PATTARA, Joseph Alexander | Director | 2018-05-17 | 2021-11-10 |
| PEARSON, William | Director | 2003-11-12 | 2013-06-11 |
| POWELL, David George | Director | 2013-01-01 | 2021-03-31 |
| SIMMS, Gerald Jennings | Director | 1994-06-01 | 2001-05-22 |
| SNELSON, Peter Johannus | Director | 2003-11-12 | 2008-01-31 |
| SULLIVAN, Christopher Paul | Director | 2001-05-22 | 2004-10-18 |
| TORNEY, John Henry | Director | — | 1994-08-24 |
| WILSON, Martin Joseph | Director | 1999-03-04 | 2005-05-18 |
| WINTER, Robert Alexander Mark | Director | 2013-09-11 | 2016-09-07 |
| WINTER, Robert Alexander Mark | Director | 2006-05-10 | 2013-06-11 |
| WORKMAN, John Donald Black | Director | 2016-05-12 | 2025-06-10 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Lombard North Central Plc | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Active |
Filing timeline
Last 20 of 237 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-06-24 | AA | accounts | Accounts with accounts type full | |
| 2026-05-20 | AP01 | officers | Appoint person director company with name date | |
| 2026-04-30 | TM01 | officers | Termination director company with name termination date | |
| 2026-03-13 | AP01 | officers | Appoint person director company with name date | |
| 2026-03-04 | TM01 | officers | Termination director company with name termination date | |
| 2026-02-26 | AP01 | officers | Appoint person director company with name date | |
| 2026-02-12 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-09-26 | TM01 | officers | Termination director company with name termination date | |
| 2025-08-12 | ANNOTATION | miscellaneous | Legacy | |
| 2025-07-07 | AP01 | officers | Appoint person director company with name date | |
| 2025-07-01 | TM01 | officers | Termination director company with name termination date | |
| 2025-06-27 | AA | accounts | Accounts with accounts type full | |
| 2025-06-11 | CH01 | officers | Change person director company with change date | |
| 2025-06-11 | AP01 | officers | Appoint person director company with name date | |
| 2025-06-11 | TM01 | officers | Termination director company with name termination date | |
| 2025-01-29 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-11-15 | AP01 | officers | Appoint person director company with name date | |
| 2024-10-07 | TM01 | officers | Termination director company with name termination date | |
| 2024-09-13 | AP01 | officers | Appoint person director company with name date | |
| 2024-09-12 | TM01 | officers | Termination director company with name termination date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 11
- Capital events
- 0
- Officers appointed
- 3
- Officers resigned
- 4
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.