FINANCE & LEASING ASSOCIATION
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Cash
—
Latest balance sheet
Net assets
—
Equity attributable
Employees
—
Average over period
Profit before tax
-£95k
+77.3% 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
3-year trend · vs Consumer Discretionary median
FINANCE & LEASING ASSOCIATION·Consumer Discretionary median
FINANCE & LEASING ASSOCIATION·Consumer Discretionary median
FINANCE & LEASING ASSOCIATION·Consumer Discretionary median
FINANCE & LEASING ASSOCIATION·Consumer Discretionary median
FINANCE & LEASING ASSOCIATION·Consumer Discretionary 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 | £7,089,875 | £7,537,745 | £7,831,689 | +3.9% | |
| Operating profit | £163,592 | -£636,043 | -£259,182 | +59.3% | |
| Profit before tax | £319,580 | -£421,315 | -£95,466 | +77.3% | |
| Net profit | £261,462 | -£326,788 | -£79,181 | +75.8% | |
| Cash | £2,071,845 | £1,659,425 | — | — | |
| Total assets less current liabilities | £3,104,458 | £2,775,686 | — | — | |
| Net assets | £3,062,338 | £2,735,550 | — | — | |
| Equity | £3,062,338 | £2,735,550 | — | — | |
| Average employees | 32 | 36 | — | — | |
| Wages | £2,566,546 | £2,891,287 | — | — | |
| Directors' remuneration | £343,689 | £359,119 | — | — |
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 | 2.3% | -8.4% | -3.3% | |
| Net margin | 3.7% | -4.3% | -1.0% | |
| Return on capital employed | 5.3% | -22.9% | — | |
| Current ratio | 2.35x | 2.08x | — |
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
- FINANCE & LEASING ASSOCIATION 1991-11-12 → present
- FINANCE & LEASING ASSOCIATION LIMITED 1991-10-04 → 1991-11-12
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Standalone (parent only)
- Auditor
- Moore Kingston Smith LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The financial statements have been prepared on a going-concern basis. As at 31 December 2025, the Association had treasury deposits and cash balances of £5,483,832 (2024: £4,409,425), which will support the Association's ability to continue as a going concern for at least the next 15 months.”
Significant events
- “Much of our policy work lias generated successful outcomes in each division during 2025 and the start of 2026.”
- “The recruitment of new members and membership resignations remain similar to recent years despite the uncertainty that was created by the Commission disclosure case”
- “FLA continue to deliver a full programme of member events and training in a combination of physical, virtual and hybrid formats.”
- “In response to evolving market conditions, FLA has initiated a strategic review of its training strategy.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
15 active · 93 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| CALNAN, Patricia Anne | Secretary | 2023-08-02 | — | — |
| AMARASEKARA, Shanika Uduwage Gehini | Director | 2025-08-04 | Apr 1975 | British |
| BURTON, Debbie Carol | Director | 2018-06-07 | Jun 1971 | British |
| EDWARDS, Paul Andrew | Director | 2024-10-01 | Apr 1975 | British |
| HOGGART, Richard Matthew | Director | 2024-10-24 | Dec 1971 | British |
| HUGHES, Alexander Paul | Director | 2020-06-22 | May 1976 | British |
| LUMB, Helen | Director | 2023-01-01 | Jul 1967 | British |
| MALEHAM, Geoffrey Paul | Director | 2024-03-13 | Sep 1979 | British |
| NUTLEY, Julian Stanley | Director | 2024-03-15 | Jan 1968 | British |
| PHILLIPOU, John Edward | Director | 2020-03-05 | May 1972 | British |
| POWELL, Emma Jane | Director | 2023-11-15 | Sep 1977 | British |
| RANDALL, Michael Charles | Director | 2022-01-01 | Apr 1966 | British |
| RHODES, Lee John | Director | 2023-11-15 | Aug 1973 | British |
| WENT, Paul | Director | 2019-05-28 | Sep 1978 | British |
| WILLIAMS, Nicholas Andrew | Director | 2023-08-01 | Jun 1974 | British |
Show 93 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| EDWARDS, Janet Elizabeth Heathcote | Secretary | 2006-12-18 | 2020-12-31 |
| GRANT, Neil Anthony Douglas | Secretary | — | 1995-11-13 |
| HALL, Martin Allan | Secretary | 1998-10-13 | 1999-01-19 |
| HALL, Martin Allan | Secretary | 1995-11-13 | 1997-05-22 |
| JEFFREY, Dennis | Secretary | 1999-01-19 | 2006-12-18 |
| TURNER, Bryan | Secretary | 2021-01-01 | 2023-08-02 |
| WALDREN, Margaret Ellen | Secretary | 1997-05-22 | 1998-10-13 |
| ASHWORTH, George Smith-Salmond | Director | 2010-06-28 | 2013-09-11 |
| BAGGALEY, David Anthony | Director | 1995-05-18 | 1997-05-22 |
| BARLEY, Michael James | Director | 2001-05-17 | 2003-05-15 |
| BAUM, Jonathan Graydon | Director | 2001-05-17 | 2001-09-27 |
| BAUM, Simon Graydon | Director | 2003-05-15 | 2012-03-30 |
| BEAUCHAMP, Martyn Joseph | Director | 2016-07-08 | 2017-01-31 |
| BENNETT, John | Director | 2005-05-12 | 2010-10-06 |
| BETTELEY, David Thomas | Director | 2002-05-16 | 2010-05-05 |
| BOLTON, Stephen Geoffrey | Director | 2014-01-08 | 2022-06-22 |
| BOOBYER, Christopher Leslie Richard | Director | 2001-05-17 | 2004-10-01 |
| BRACE, Tabitha Jayne | Director | 2022-05-27 | 2024-11-15 |
| BRIAN, Michael | Director | 1999-05-20 | 2001-05-17 |
| BRIAN, Michael | Director | 1995-05-17 | 1998-05-21 |
| BRITTON, Michael John | Director | 2015-05-28 | 2018-10-26 |
| BROWN, Alexander Stewart | Director | 2011-09-23 | 2014-01-14 |
| BROWN, John Sydney | Director | — | 1996-05-10 |
| CALLENDER, John Dalrymple | Director | 1994-05-10 | 1998-05-21 |
| CARSON, David Maurice | Director | 2018-06-04 | 2026-01-29 |
| CLIBBENS, Nigel Timothy John | Director | 2011-03-29 | 2020-09-25 |
| COTTLE, Peter Malcolm | Director | 2003-05-15 | 2009-06-03 |
| CROWFOOT, Patrick Alan David | Director | 2002-01-31 | 2003-05-15 |
| CRUMP, Joseph | Director | 2016-06-28 | 2020-09-25 |
| DAVIES, John Lewis | Director | 2004-05-13 | 2007-05-10 |
| DAVIES, John Lewis | Director | 1998-05-21 | 2001-05-17 |
| DE ROUSSET HALL, Peter | Director | 2000-05-18 | 2005-05-12 |
| DOST, Kamran Bill, Rev. Dr. | Director | 2014-01-16 | 2022-12-31 |
| DUNSMORE, David George | Director | 1997-05-22 | 1999-05-20 |
| ENOCK, Luke David | Director | 2022-05-27 | 2024-01-10 |
| FERGUSON, Gordon | Director | 2012-10-01 | 2020-11-30 |
| FLANIGAN, David Carroll | Director | 1994-05-10 | 1995-05-09 |
| GENEEN, Samuel | Director | 2000-05-18 | 2014-05-08 |
| GEORGE, Philip Anthony | Director | 1999-05-20 | 2003-05-15 |
| GLASS, Alan Graham | Director | — | 1993-05-11 |
| GOWLER, Stephen Michael | Director | 2012-04-12 | 2016-11-30 |
| GRIMES, Gerald Michael | Director | 2010-11-01 | 2017-04-28 |
| HADDRILL, Stephen Howard | Director | 2019-12-01 | 2025-08-08 |
| HALL, Martin Allan | Director | 1995-11-13 | 1999-01-19 |
| HALL, Martin Allan | Director | 1995-06-01 | 2007-07-21 |
| HALL, Michael John | Director | 2003-05-15 | 2007-05-10 |
| HALLIWELL, Christopher Roger | Director | 1998-05-21 | 2000-05-18 |
| HARDISTY, David Garfield | Director | 1993-05-11 | 1995-05-18 |
| HART, Andrew Stuart | Director | 2014-03-28 | 2014-12-19 |
| HILL, Adrian Richard | Director | 2002-05-16 | 2004-05-13 |
| HILL, Adrian Richard | Director | 1999-05-20 | 2001-05-17 |
| HILL, Malcolm Gerald | Director | 1998-05-21 | 1999-05-20 |
| HOLMES, Timothy Victor | Director | 1996-06-12 | 1998-05-21 |
| ISAAC, Ian John | Director | 2016-03-30 | 2024-09-25 |
| JENNINGS, Paul Ronald | Director | 2018-04-03 | 2022-04-30 |
| JONES, Richard Andrew | Director | 2016-01-15 | 2024-12-31 |
| JUKES, Anthony Wilfrid | Director | — | 1996-05-10 |
| LYNN, George | Director | 2010-06-21 | 2012-07-06 |
| MALLIN, Anthony Granville | Director | — | 1994-05-10 |
| MCGEE, James Gerard | Director | 2018-06-25 | 2023-11-30 |
| MCNEIL, Rebecca Louise | Director | 2021-11-01 | 2023-09-28 |
| MICHALIK, Cecilia Ann | Director | 1999-05-20 | 1999-07-01 |
| MILES, Peter Bernard | Director | 2000-05-18 | 2005-05-12 |
| MINTER, Peter | Director | 2010-03-18 | 2014-03-31 |
| MOODY, Douglas | Director | 2005-05-12 | 2018-03-21 |
| MURPHY, Mark Antony | Director | 2013-06-20 | 2014-02-28 |
| NOBLE, Paul Jonathan | Director | 2015-03-20 | 2016-01-15 |
| OLDFIELD, David James Stanley | Director | 2008-02-21 | 2009-04-01 |
| OWEN, Robert John | Director | 2017-07-28 | 2021-12-31 |
| PAGE, Karen Mariam | Director | 2023-06-30 | 2025-10-09 |
| PICKEN, Graham Edward | Director | 1997-05-22 | 1999-05-20 |
| PRIESTMAN, Richard Mark | Director | 2006-05-11 | 2010-06-18 |
| PUMFREY, Donna Wendy | Director | 2008-06-02 | 2011-02-28 |
| RANDELL, Michael Charles | Director | 2016-03-30 | 2016-04-08 |
| RENNISON, Gordon | Director | 2011-03-17 | 2015-05-15 |
| ROBERTS, Carol Ann | Director | 2015-12-21 | 2022-12-31 |
| ROSS, William Philip | Director | 2009-05-18 | 2018-03-29 |
| SINCLAIR, John Barclay | Director | 2007-05-10 | 2009-11-25 |
| SKLAROFF, Stephen Richard, Dr | Director | 2007-05-21 | 2019-09-28 |
| SMITH, Timothy Robin | Director | 2014-07-01 | 2023-07-01 |
| STAMPER, Christopher Paul | Director | 2003-05-15 | 2012-04-30 |
| STEVENS, Gregory Peter | Director | 2007-05-10 | 2009-08-31 |
| STUART, John David | Director | 2009-05-11 | 2011-09-23 |
| SUTTON, Christopher | Director | 2009-06-03 | 2015-12-31 |
| TAYLOR, Charles Stuart | Director | 1996-05-10 | 2000-05-18 |
| TERRINGTON, Nigel Stewart | Director | 2005-05-12 | 2008-05-16 |
| TONNA BARTHET, Roderick Anthony | Director | 2007-05-10 | 2008-05-31 |
| TOWN, Lindsay John | Director | 2004-10-29 | 2006-05-11 |
| WHEELER, Thomas Graham | Director | 2022-05-19 | 2023-11-30 |
| WHITTON, Richard Mark | Director | 1999-09-08 | 2000-03-16 |
| WOODALL, Michael Alan | Director | 1995-05-18 | 1999-05-20 |
| WOOLGROVE, Thomas | Director | 2017-05-17 | 2020-04-02 |
| YOUNG, Ronald James | Director | — | 1994-05-10 |
Ownership
Persons with significant control
No persons with significant control on record.
Filing timeline
Last 20 of 342 total filings
Material constitutional events — rename, articles re-file, resolution
- 2026-07-10 RESOLUTIONS Resolution
- 2026-07-10 MA Memorandum articles
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-07-17 | AA | accounts | Accounts with accounts type full | |
| 2026-07-10 | RESOLUTIONS | resolution | Resolution | |
| 2026-07-10 | MA | incorporation | Memorandum articles | |
| 2026-02-09 | TM01 | officers | Termination director company with name termination date | |
| 2025-10-21 | TM01 | officers | Termination director company with name termination date | |
| 2025-10-06 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-08-13 | CH01 | officers | Change person director company with change date | |
| 2025-08-13 | AP01 | officers | Appoint person director company with name date | |
| 2025-08-13 | TM01 | officers | Termination director company with name termination date | |
| 2025-05-21 | AA | accounts | Accounts with accounts type full | |
| 2025-01-02 | TM01 | officers | Termination director company with name termination date | |
| 2024-11-19 | TM01 | officers | Termination director company with name termination date | |
| 2024-10-25 | AP01 | officers | Appoint person director company with name date | |
| 2024-10-05 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-10-02 | AP01 | officers | Appoint person director company with name date | |
| 2024-09-26 | TM01 | officers | Termination director company with name termination date | |
| 2024-05-24 | AA | accounts | Accounts with accounts type full | |
| 2024-03-22 | AP01 | officers | Appoint person director company with name date | |
| 2024-03-22 | AP01 | officers | Appoint person director company with name date | |
| 2024-01-10 | TM01 | officers | Termination director company with name termination date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 9
- Capital events
- 0
- Officers appointed
- 1
- 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.