ADVANTAGE FINANCE LIMITED
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Cash
£3.6M
Latest balance sheet
Net assets
£157M
+4.3% highest in 3 filed years
Employees
215
+1.4% highest in 3 filed years
Profit before tax
£23M
+21.3% vs 2025
Net assets
3-year trend · vs Financials median
Accounts
3-year trend · Δ = latest vs prior filed period · latest reflected 2026-02-05
| Metric | Trend | 2024-01-31 | 2025-01-31 | 2026-02-05 | Δ vs prior |
|---|---|---|---|---|---|
| Turnover | £98,177,000 | £91,823,000 | £83,049,000 | -9.6% | |
| Operating profit | £39,828,000 | £31,179,000 | £31,846,000 | +2.1% | |
| Profit before tax | £28,810,000 | £19,278,000 | £23,390,000 | +21.3% | |
| Net profit | £21,843,000 | — | £17,456,000 | — | |
| Cash | £0 | £0 | £3,589,000 | — | |
| Total assets less current liabilities | £328,090,000 | £280,990,000 | £316,435,000 | +12.6% | |
| Net assets | £153,559,000 | £150,951,000 | £157,407,000 | +4.3% | |
| Equity | £153,559,000 | £150,951,000 | £157,407,000 | +4.3% | |
| Average employees | 205 | 212 | 215 | +1.4% | |
| Wages | £8,405,000 | £8,188,000 | £9,510,000 | +16.1% | |
| Directors' remuneration | £2,186,000 | £2,655,000 | £2,377,000 | -10.5% |
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 | 2024-01-31 | 2025-01-31 | 2026-02-05 |
|---|---|---|---|---|
| Operating margin | 40.6% | 34.0% | 38.3% | |
| Net margin | 22.2% | — | 21.0% | |
| Return on capital employed | 12.1% | 11.1% | 10.1% | |
| Gearing (liabilities / total assets) | 54.3% | 47.4% | 51.5% | |
| Current ratio | 12.02x | 14.29x | 11.53x | |
| Interest cover | 3.61x | 2.62x | 3.77x |
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
- IFRS
- Reporting scope
- Standalone (parent only)
- Auditor
- Forvis Mazars
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“After making enquiries, the Directors have a reasonable expectation that the Company has adequate resources to continue in operational existence for the foreseeable future. Accordingly, they continue to adopt the going concern basis in preparing the Annual Report and Financial Statements.”
Group structure
- ADVANTAGE FINANCE LIMITED · parent
- Advantage Motor Finance Limited 100%
Significant events
- “The Company experienced a recovery in performance following the conclusion of the s166 engagement in April 2025.”
- “Advantage have also recognised a provision of £1.8m relating to the industry-wide FCA consultation on motor finance commissions.”
- “Advantage executed a debt sale of old written-off accounts which yielded £3.4m of debt sale proceeds.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
14 active · 14 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| BHOGAL, Manjeet Kaur | Secretary | 2025-05-30 | — | — |
| BURTON, Beverley Ann | Director | 2006-10-05 | Aug 1961 | British |
| CHARLTON, Keith James | Director | 2002-04-09 | Nov 1965 | British |
| COOMBS, Anthony Michael Vincent | Director | 1999-05-14 | Nov 1952 | British |
| COOMBS, Graham Derek Clifford | Director | 1999-05-14 | Nov 1952 | British |
| DOWNING, John Antony | Director | 2020-05-06 | Apr 1981 | British |
| DOWNING, Lynn | Director | 2023-01-17 | Apr 1981 | English |
| FRECKELTON, Chris Keith | Director | 2025-08-08 | Jan 1989 | British |
| GREENSIDES, Nicholas David | Director | 2019-02-06 | Feb 1987 | British |
| MURDOCH, James | Director | 2007-02-01 | Jul 1967 | British |
| SANDIFORD, David | Director | 2017-02-06 | Nov 1969 | English |
| TUPLIN, Alan | Director | 2006-10-05 | Apr 1969 | British |
| VESSEY, David William | Director | 2019-02-06 | Apr 1987 | English |
| WERNER, Karl Donald | Director | 2023-12-05 | Apr 1972 | British |
Show 14 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| MAIDEN, Edward David | Secretary | 1999-05-14 | 2004-03-01 |
| REDFORD, Christopher Hugh | Secretary | 2004-03-01 | 2025-05-30 |
| RUTLAND SECRETARIES LIMITED | Corporate Nominee Secretary | 1999-05-14 | 1999-05-14 |
| COOMBS, Derek Michael | Director | 1999-05-14 | 2008-05-16 |
| FISHER, Robert Eric John | Director | 1999-05-14 | 2002-02-14 |
| REDFORD, Christopher Hugh | Director | 2000-01-21 | 2025-05-30 |
| SIZER, Martin Graham | Director | 1999-05-14 | 2008-03-01 |
| TAYLOR, Wayne Richard | Director | 2019-02-06 | 2023-03-17 |
| THOMPSON, John Guy | Director | 1999-05-14 | 2020-01-31 |
| WALKER, Michael | Director | 2015-12-01 | 2024-10-31 |
| WHEELER, Thomas Graham | Director | 2019-10-01 | 2024-01-31 |
| WILKINSON, Helen April | Director | 2005-12-01 | 2018-05-01 |
| WILKINSON, Shaun | Director | 2012-02-29 | 2024-12-17 |
| RUTLAND DIRECTORS LIMITED | Corporate Nominee Director | 1999-05-14 | 1999-05-14 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| S & U Plc | Corporate entity | Shares 75–100% | 2016-04-06 | Active |
Filing timeline
Last 20 of 140 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-05-30 | AA | accounts | Accounts with accounts type full | |
| 2026-05-22 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-08-08 | AP01 | officers | Appoint person director company with name date | |
| 2025-05-30 | TM01 | officers | Termination director company with name termination date | |
| 2025-05-30 | TM02 | officers | Termination secretary company with name termination date | |
| 2025-05-30 | AP03 | officers | Appoint person secretary company with name date | |
| 2025-05-20 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-05-20 | AA | accounts | Accounts with accounts type full | |
| 2024-12-20 | TM01 | officers | Termination director company with name termination date | |
| 2024-11-05 | TM01 | officers | Termination director company with name termination date | |
| 2024-05-14 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-05-13 | AA | accounts | Accounts with accounts type full | |
| 2024-02-01 | TM01 | officers | Termination director company with name termination date | |
| 2023-12-07 | AP01 | officers | Appoint person director company with name date | |
| 2023-06-01 | AA | accounts | Accounts with accounts type full | |
| 2023-05-15 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-03-28 | TM01 | officers | Termination director company with name termination date | |
| 2023-01-19 | AP01 | officers | Appoint person director company with name date | |
| 2022-05-18 | AA | accounts | Accounts with accounts type full | |
| 2022-05-16 | CS01 | confirmation-statement | Confirmation statement with no updates |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 3
- Capital events
- 0
- Officers appointed
- 1
- 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.