ORCHARD FUNDING LIMITED
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Cash
£254k
lowest in 5 filed years
Net assets
£2.6m
highest in 5 filed years
Employees
10
lowest in 5 filed years
Profit before tax
£2.5m
Period ending 2026-01-31
Net assets
5-year trend · vs Financials median
Accounts
5-year trend · Δ = latest vs prior filed period · latest reflected 2026-01-31
| Metric | Trend | 2021-07-31 | 2022-07-31 | 2023-07-31 | 2024-07-31 | 2026-01-31 | Δ vs prior |
|---|---|---|---|---|---|---|---|
| Turnover | £1,571,750 | £1,872,662 | £2,235,495 | £2,887,636 | £4,893,986 | — | |
| Operating profit | £520,576 | £573,721 | £804,571 | £637,256 | £2,528,153 | — | |
| Profit before tax | £519,242 | £573,207 | £809,511 | £641,403 | £2,533,561 | — | |
| Net profit | £414,645 | £511,008 | £735,102 | £594,210 | £2,046,754 | — | |
| Cash | £1,520,056 | £2,616,720 | £691,763 | £373,073 | £253,575 | — | |
| Total assets less current liabilities | — | — | £1,075,830 | £1,169,778 | — | — | |
| Net assets | — | — | £1,075,568 | £1,169,778 | £2,616,532 | — | |
| Equity | £829,458 | £840,466 | £1,075,568 | £1,169,778 | £2,616,532 | — | |
| Average employees | 11 | 11 | 12 | 12 | 10 | — | |
| Wages | £317,025 | £279,167 | £282,284 | £285,396 | £372,172 | — | |
| Directors' remuneration | — | — | — | — | — | — |
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 —. Year-on-year comparison hidden: this filing covers about 18 months versus 12 months prior. About these numbers
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2021-07-31 | 2022-07-31 | 2023-07-31 | 2024-07-31 | 2026-01-31 |
|---|---|---|---|---|---|---|
| Operating margin | 33.1% | 30.6% | 36.0% | 22.1% | 51.7% | |
| Net margin | 26.4% | 27.3% | 32.9% | 20.6% | 41.8% | |
| Return on capital employed | — | — | 74.8% | 54.5% | — | |
| Gearing (liabilities / total assets) | — | — | 93.6% | 93.7% | 88.0% | |
| Current ratio | — | — | 1.07x | 1.07x | 1.14x |
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
- ORCHARD FUNDING LIMITED 2010-02-19 → present
- DIRECT INSURANCE PREMIUM FINANCE LIMITED 2008-07-25 → 2010-02-19
Audit & accounting basis
- Accounting basis
- IFRS
- Reporting scope
- Standalone (parent only)
- Auditor
- MCA Audit Limited
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The directors have prepared and reviewed financial projections... Based on the projected income and expenditure, the level of existing cash (£0.25m) and the excess of our trade receivables over external debt (£18.93m at the period end), the directors have a reasonable expectation that the company has adequate resources to continue in business for the foreseeable future.”
Significant events
- “There was a fraud in previous years caused by a fraudulent introducer creating fraudulent credit agreements. This led to a loss of £391,241 which was included in the year to 31 July 2024 as part of administrative expenses.”
- “Provision was also made in the previous year for an additional £324,555 of debts from one introducer which had defaulted on repayment during that year.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
4 active · 3 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| MCSHANE, Liam Leo | Secretary | 2015-06-01 | — | — |
| KORENKOVA, Tatiana | Director | 2015-07-21 | Jan 1972 | British |
| STRATFORD, Emmia Louise | Director | 2015-04-01 | May 1982 | British |
| TAKHAR, Ravi | Director | 2008-07-25 | Feb 1965 | British |
Show 3 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| TAKHAR, Raj | Secretary | 2009-10-01 | 2015-01-01 |
| SMITH, Olga | Director | 2013-10-01 | 2015-02-06 |
| TAKHAR, Harbans Singh | Director | 2012-07-26 | 2014-08-01 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Orchard Funding Group Plc | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Active |
Filing timeline
Last 20 of 78 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-07-26 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2026-07-03 | AA | accounts | Accounts with accounts type full | |
| 2026-04-20 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2025-07-25 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-07-25 | PSC05 | persons-with-significant-control | Change to a person with significant control | |
| 2025-07-07 | AA01 | accounts | Change account reference date company current extended | |
| 2025-04-22 | AA | accounts | Accounts with accounts type full | |
| 2025-04-16 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2024-07-29 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-07-12 | AA | accounts | Accounts with accounts type full | |
| 2024-04-19 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2023-11-07 | AD01 | address | Change registered office address company with date old address new address | |
| 2023-07-25 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-04-25 | AA | accounts | Accounts with accounts type full | |
| 2023-04-20 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2022-07-25 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-04-22 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2022-01-10 | AA | accounts | Accounts with accounts type full | |
| 2021-07-28 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2021-05-07 | MR01 | mortgage | Mortgage create with deed with charge number charge creation 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.