MY FINANCE CLUB LIMITED
Operating under the My Finance Club brand, this FCA-regulated company provides online and mobile short-term consumer loans to UK residents.
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Cash
£1.6m
+120.1% highest in 6 filed years
Net assets
£1.4m
+105.8% vs 2024
Employees
60
+11.1% highest in 7 filed years
Profit before tax
£761k
+434.4% highest in 3 filed years
Net assets
7-year trend · vs Financials median
Accounts
7-year trend · Δ = latest vs prior filed period · latest reflected 2025-12-31
| Metric | Trend | 2019-12-31 | 2020-12-31 | 2021-12-31 | 2022-12-31 | 2023-12-31 | 2024-12-31 | 2025-12-31 | Δ vs prior |
|---|---|---|---|---|---|---|---|---|---|
| Turnover | — | — | — | — | £13,768,937 | £18,407,096 | £37,711,905 | +104.9% | |
| Operating profit | — | — | — | — | -£487,352 | -£227,687 | £761,359 | +434.4% | |
| Profit before tax | — | — | — | — | -£514,392 | -£227,687 | £761,359 | +434.4% | |
| Net profit | — | — | — | — | -£490,721 | -£241,438 | £702,104 | +390.8% | |
| Cash | — | £561,280 | £540,364 | £116,996 | £232,485 | £744,303 | £1,638,004 | +120.1% | |
| Total assets less current liabilities | £832,911 | £784,674 | £2,561,372 | £7,077,064 | £10,239,710 | £11,606,089 | £17,542,903 | +51.2% | |
| Net assets | £211,677 | £234,856 | £701,179 | £1,395,808 | £905,087 | £663,649 | £1,365,753 | +105.8% | |
| Equity | £211,677 | £234,856 | £701,179 | £1,395,808 | £905,087 | £663,649 | £1,365,753 | +105.8% | |
| Average employees | 4 | 5 | 6 | 9 | 27 | 54 | 60 | +11.1% | |
| Wages | — | — | — | — | £1,237,811 | £2,144,716 | £2,601,541 | +21.3% | |
| Directors' remuneration | — | — | — | — | — | £0 | £162,687 | — | |
| Directors' pension contributions | £NaN | — | — | — | — | £0 | £13,700 | — | |
| Highest paid director | £NaN | — | — | — | — | £0 | £162,687 | — |
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 | 2019-12-31 | 2020-12-31 | 2021-12-31 | 2022-12-31 | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|---|---|---|---|
| Operating margin | — | — | — | — | -3.5% | -1.2% | 2.0% | |
| Net margin | — | — | — | — | -3.6% | -1.3% | 1.9% | |
| Return on capital employed | — | — | — | — | -4.8% | -2.0% | 4.3% | |
| Gearing (liabilities / total assets) | — | — | — | 83.2% | 92.4% | — | 94.3% | |
| Current ratio | — | — | — | — | 7.29x | 3.95x | 3.80x | |
| Interest cover | — | — | — | — | -18.02x | — | — |
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
- MY FINANCE CLUB LIMITED 2017-04-06 → present
- MONKEY DOSH LTD 2010-07-01 → 2017-04-06
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Standalone (parent only)
- Auditor
- Cooper Parry Group Limited
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The Directors have reviewed the Company's forecasts and cash-flow projections for the period, being at least 12 months from the date the financial statements are authorised for issue.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
4 active · 6 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| DAY, Sarah Louise | Director | 2026-07-15 | Jan 1972 | British |
| JOSEPH, Serena Mary | Director | 2026-07-16 | Dec 1964 | British |
| LARHOLT, James Phillip Henry | Director | 2017-04-05 | Aug 1943 | British |
| MEDORA, Darius Sam | Director | 2026-01-28 | Aug 1976 | Australian |
Show 6 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BEALE, Joseph Thomas | Director | 2014-03-31 | 2014-05-19 |
| BEALE, Lesley Bridget Louise | Director | 2014-12-08 | 2017-06-19 |
| EZHAVA, Subish Surendran | Director | 2014-12-17 | 2017-04-20 |
| HOLLAND, Geoffrey Harry | Director | 2015-02-26 | 2017-04-20 |
| JONES, Duncan Anthony | Director | 2014-05-19 | 2015-01-20 |
| MORRISON, Michelle Jeanette | Director | 2010-07-01 | 2014-05-09 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Mr James Phillip Henry Larholt | Individual | Shares 75–100% | 2017-06-19 | Active |
| Mrs Lesley Bridget Louise Beale | Individual | Significant influence | 2016-04-06 | Ceased 2017-06-19 |
| Mr Joseph Thomas Beale | Individual | Shares 75–100% | 2016-04-06 | Ceased 2017-06-19 |
| Mr Subish Surendran Ezhava | Individual | Significant influence | 2016-04-06 | Ceased 2017-06-19 |
| Mr Geoffrey Harry Holland | Individual | Significant influence | 2016-04-06 | Ceased 2017-06-19 |
Filing timeline
Last 20 of 72 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-10-08 | AA | accounts | Accounts with accounts type full | |
| 2026-09-09 | AD01 | address | Change registered office address company with date old address new address | |
| 2026-07-16 | AP01 | officers | Appoint person director company with name date | |
| 2026-07-15 | AP01 | officers | Appoint person director company with name date | |
| 2026-06-04 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2026-01-29 | AP01 | officers | Appoint person director company with name date | |
| 2025-12-22 | AA | accounts | Accounts with accounts type full | |
| 2025-07-01 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-02-04 | AA | accounts | Accounts with accounts type total exemption full | |
| 2024-06-28 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-09-29 | AA | accounts | Accounts with accounts type unaudited abridged | |
| 2023-07-11 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2022-09-30 | AA | accounts | Accounts with accounts type unaudited abridged | |
| 2022-07-05 | AD01 | address | Change registered office address company with date old address new address | |
| 2022-05-31 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-02-08 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2022-01-26 | AA | accounts | Accounts with accounts type micro entity | |
| 2021-05-28 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2021-05-12 | DISS40 | gazette | Gazette filings brought up to date | |
| 2021-05-11 | AA | accounts | Accounts with accounts type micro entity |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 7
- Capital events
- 0
- Officers appointed
- 3
- 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.