RCC BUSINESS MORTGAGES PLC
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Cash
£1.1M
+33.8% highest in 3 filed years
Net assets
£707K
-45% lowest in 3 filed years
Employees
40
+11.1% highest in 3 filed years
Profit before tax
£905K
+25.7% highest in 3 filed years
Net assets
3-year trend · vs Industrials 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 | £3,554,000 | £4,982,000 | £5,705,000 | +14.5% | |
| Operating profit | £145,000 | £685,000 | £885,000 | +29.2% | |
| Profit before tax | £207,000 | £720,000 | £905,000 | +25.7% | |
| Net profit | £114,000 | £735,000 | £766,000 | +4.2% | |
| Cash | £138,000 | £837,000 | £1,120,000 | +33.8% | |
| Total assets less current liabilities | — | — | — | — | |
| Net assets | £746,000 | £1,286,000 | £707,000 | -45% | |
| Equity | £746,000 | £1,286,000 | £707,000 | -45% | |
| Average employees | 30 | 36 | 40 | +11.1% | |
| Wages | £1,812,000 | £2,362,000 | £2,558,000 | +8.3% | |
| Directors' remuneration | £726,000 | £1,184,000 | £1,077,000 | -9% |
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 | 4.1% | 13.7% | 15.5% | |
| Net margin | 3.2% | 14.8% | 13.4% | |
| Gearing (liabilities / total assets) | 38.3% | 32.9% | 54.6% | |
| Current ratio | 2.72x | 3.05x | 2.13x | |
| Interest cover | 18.13x | 85.63x | — |
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 6 times since incorporation
- RCC BUSINESS MORTGAGES PLC 2009-06-26 → present
- RCC BUSINESS MORTGAGES LIMITED 2008-12-04 → 2009-06-26
- RCC BUSINESS MORTGAGES PLC 1994-09-29 → 2008-12-04
- RCC FINANCIAL SERVICES PLC 1988-06-07 → 1994-09-29
- RCC FINANCIAL SERVICES PLC 1986-09-04 → 1988-06-07
- RELIANCE CONSUMER CREDIT FINANCIAL SERVICES LIMITED 1984-03-30 → 1986-09-04
- PRECIS (230) LIMITED 1983-11-04 → 1984-03-30
Audit & accounting basis
- Accounting basis
- FRS 101
- Reporting scope
- Standalone (parent only)
- Auditor
- MHA
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“Having reviewed these forecasts and reviewed the implications of them in terms of cashflow and the available cash resources, management believe the company has sufficient resources to continue as a going concern for the foreseeable future.”
Significant events
- “New business instructions increased by 14%, income by 15%, and operating profit by 29%. This activity uplift resulted in total loan offers of £292m (2024: £212m).”
- “Referrals from Christie & Co represented 53% of commercial mortgage transactions, with Christie Finance acting for approximately 12% of all buyers acquiring businesses through Christie & Co in 2025.”
- “Headcount increased by 12% in 2025, comprising both experienced hires and junior entrants joining our internal training programme.”
- “Committed investment in digital marketing and improvements to our website which significantly increased online enquiry levels in 2025.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
13 active · 40 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| RUTLAND, David John | Secretary | 2025-02-25 | — | — |
| BOYCE, Gary David | Director | 2017-12-12 | Sep 1970 | British |
| DICKSON, Craig | Director | 2015-01-01 | May 1976 | British |
| HAWKINS, Simon James | Director | 2008-08-08 | Jul 1971 | British |
| HOWARD, Anthony Richard Charles | Director | 2024-01-01 | Aug 1977 | British |
| JOHNS, James Peter | Director | 2022-01-01 | Apr 1981 | British |
| KAKAR, Ram | Director | 2024-07-09 | Jun 1994 | British |
| MITCHELL, John Andrew | Director | 2015-01-01 | Apr 1977 | British |
| PRICKETT, Daniel Ronald | Director | 2024-01-01 | Sep 1976 | British |
| RAY, Alena | Director | 2024-07-09 | Aug 1983 | British |
| ROBERTS, Lawrence Dean | Director | 2023-01-01 | Sep 1983 | British |
| WARD, David John | Director | 2008-02-01 | Sep 1966 | British |
| WATTS, Shaun | Director | 2019-01-01 | Jun 1984 | British |
Show 40 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| AHMED, Shamim | Secretary | 2023-01-17 | 2023-04-13 |
| BAXTER, Michael Robert | Secretary | 2024-05-20 | 2025-02-25 |
| CRAIGEN, Mark Andrew | Secretary | 2018-05-02 | 2020-11-06 |
| DIXON, Susan Mary | Secretary | 1993-10-19 | 1996-02-20 |
| DOBSON, Jane Helena | Secretary | 1996-05-22 | 2006-05-24 |
| HAWKINS, Simon | Secretary | 2023-04-13 | 2024-05-20 |
| HAWKINS, Simon James | Secretary | 2022-09-14 | 2023-01-17 |
| HAWKINS, Simon James | Secretary | 2008-08-08 | 2018-05-02 |
| IRVING, Hannah Louise | Secretary | 2020-11-16 | 2022-09-02 |
| LINDSAY, Rachael Dawn | Secretary | 1996-02-20 | 1996-05-22 |
| MERRETT, Stephen | Secretary | 2006-05-24 | 2008-08-08 |
| WADE, Caroline Frances | Secretary | — | 1993-10-19 |
| AHMED, Shamim | Director | 2023-01-17 | 2023-04-13 |
| ANJUM, Jawad | Director | 2020-01-01 | 2021-06-30 |
| BAKER, Nicholas James | Director | 2013-12-12 | 2018-08-31 |
| BAKER, Nicholas James | Director | 2010-01-01 | 2013-04-25 |
| CHESTER, Steven James | Director | 2000-12-14 | 2006-05-03 |
| CRAIGEN, Mark Andrew | Director | 2018-05-02 | 2020-11-06 |
| DAY, Christopher John | Director | 1999-02-23 | 2004-04-30 |
| DOBSON, Jane Helena | Director | 2000-12-14 | 2006-05-24 |
| DOUGAL, Sue | Director | 2007-12-20 | 2008-08-31 |
| EAKIN, Kevin Robert | Director | — | 1998-09-29 |
| FIELD, Christopher Simon | Director | 2010-01-01 | 2021-04-30 |
| GOLD, Michael Stephen | Director | — | 1992-10-16 |
| GRANT, David Ross | Director | 2007-12-20 | 2014-08-31 |
| GWYN, Philip Hammond Rhys | Director | — | 2004-04-30 |
| HARDEN, Gary | Director | 2022-07-12 | 2025-02-14 |
| HUGHES, Simon Richard | Director | 2008-09-05 | 2013-11-21 |
| IRVING, Hannah Louise | Director | 2020-11-16 | 2022-09-02 |
| MACDONALD, Stuart Christopher | Director | — | 1999-10-31 |
| MCCARTHY, Rachel Anne Caroline | Director | 2004-12-31 | 2006-09-11 |
| MERRETT, Stephen | Director | 2006-09-11 | 2008-08-31 |
| MITCHELL, John Andrew | Director | 2003-12-18 | 2006-05-09 |
| MORGAN, Evan Simon | Director | 2010-01-01 | 2011-10-28 |
| PAWELCZYK, Stuart John | Director | 2017-12-12 | 2020-11-19 |
| RUGG, David Barry | Director | — | 2004-04-30 |
| RYAN, Patrick John | Director | 1999-10-19 | 2007-12-20 |
| STEIN, Jeremy Paul | Director | — | 1993-03-03 |
| WOOD, Mathew Damian | Director | — | 1995-05-31 |
| YEADON, David Alan | Director | 1994-04-08 | 2001-01-08 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Christie Financial Services Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2017-12-07 | Active |
| Christie Financial Services Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Ceased 2017-12-07 |
Filing timeline
Last 20 of 264 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-06-29 | AA | accounts | Accounts with accounts type full | |
| 2025-12-16 | CH01 | officers | Change person director company with change date | |
| 2025-09-08 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-06-03 | AA | accounts | Accounts with accounts type full | |
| 2025-03-10 | TM02 | officers | Termination secretary company with name termination date | |
| 2025-03-10 | AP03 | officers | Appoint person secretary company with name date | |
| 2025-02-18 | TM01 | officers | Termination director company with name termination date | |
| 2024-09-02 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-07-17 | AP01 | officers | Appoint person director company with name date | |
| 2024-07-16 | AP01 | officers | Appoint person director company with name date | |
| 2024-06-17 | AA | accounts | Accounts with accounts type full | |
| 2024-06-12 | CH01 | officers | Change person director company with change date | |
| 2024-05-28 | TM02 | officers | Termination secretary company with name termination date | |
| 2024-05-28 | AP03 | officers | Appoint person secretary company with name date | |
| 2024-01-02 | AP01 | officers | Appoint person director company with name date | |
| 2024-01-02 | AP01 | officers | Appoint person director company with name date | |
| 2023-09-11 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-07-04 | AA | accounts | Accounts with accounts type full | |
| 2023-04-18 | AP03 | officers | Appoint person secretary company with name date | |
| 2023-04-18 | TM01 | officers | Termination director company with name termination date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 3
- 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.