NEWDAY FUNDING TRANSFEROR LTD
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Cash
—
Latest balance sheet
Net assets
-£1.2M
-104.7% vs 2024
Employees
—
Average over period
Profit before tax
-£26M
-141.7% lowest in 3 filed years
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.
-
1 PSC ceased in last 24 months
Significant control changed hands — see the Ownership section.
-
Negative shareholders' funds
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 |
|---|---|---|---|---|---|
| Net interest income | — | £607,500,000 | £582,900,000 | -4% | |
| Fee & commission income | — | £57,200,000 | £54,700,000 | -4.4% | |
| Operating income | — | — | — | — | |
| Impairment losses | — | £342,200,000 | £428,300,000 | +25.2% | |
| Profit before tax | £69,800,000 | £61,700,000 | -£25,700,000 | -141.7% | |
| Net profit | £69,800,000 | £61,700,000 | -£25,700,000 | -141.7% | |
| Loans & advances to customers | — | £2,297,200,000 | £2,556,600,000 | +11.3% | |
| Customer deposits | — | — | — | — | |
| Total assets | £2,523,500,000 | £2,496,800,000 | £2,683,800,000 | +7.5% | |
| Total liabilities | — | £2,471,500,000 | £2,685,000,000 | +8.6% | |
| Equity | -£38,200,000 | £25,300,000 | -£1,200,000 | -104.7% | |
| Average employees | 0 | 0 | — | — |
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 | 9.3% | 7.8% | — | |
| Net margin | 9.3% | 7.7% | — | |
| Gearing (liabilities / total assets) | 101.5% | 99.0% | 100.0% | |
| Current ratio | 1.96x | 2.19x | — |
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 2 times since incorporation
- NEWDAY FUNDING TRANSFEROR LTD 2015-06-11 → present
- NEWDAY FUNDING LTD 2014-04-01 → 2015-06-11
- INVICTA FUNDING LIMITED 2012-09-07 → 2014-04-01
Audit & accounting basis
- Accounting basis
- IFRS
- Reporting scope
- Consolidated group
- Auditor
- KPMG LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“Considering the scenario analysis and the Group's and Company's current funding position, the Directors are satisfied that the Group and Company has the resources necessary to continue in business for a period of at least 12 months after the approval of the financial statements and are of the opinion that the Group and Company continue to be a going concern. Therefore, the financial statements continue to be prepared on the going concern basis as outlined in the statement of Directors' responsibilities.”
Group structure
- NEWDAY FUNDING TRANSFEROR LTD · parent
- NewDay Funding Master Issuer PLC
- NewDay Funding Loan Note Issuer Ltd
- NewDay Funding Receivables Trustee Ltd
- NewDay Secondary Funding Limited
- NewDay Funding EU Loan Note Issuer S.a r.l
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
2 active · 10 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| PIPLAPURE, Vaibhav Arun | Director | 2025-09-30 | Nov 1974 | British |
| SPINGARDI, Giovanni | Director | 2025-09-30 | Jan 1991 | Italian |
Show 10 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| ROWLAND, Stephen | Secretary | 2015-06-10 | 2023-12-22 |
| WHITTY-LEWIS, Stuart | Secretary | 2024-01-01 | 2026-06-10 |
| JOINT SECRETARIAL SERVICES LIMITED | Corporate Secretary | 2012-09-07 | 2015-06-10 |
| ADAMS, Michael Charles | Director | 2012-09-07 | 2015-06-10 |
| CORCORAN, James Bernard | Director | 2015-06-10 | 2019-10-16 |
| HOURICAN, John Patrick | Director | 2019-10-16 | 2025-09-30 |
| RICHARDS, Douglas John | Director | 2015-06-10 | 2016-03-15 |
| SHERIFF, Paul Nigel | Director | 2016-03-15 | 2025-09-30 |
| JOINT CORPORATE SERVICES LIMITED | Corporate Director | 2012-09-07 | 2015-06-10 |
| PRAXIS MGT LIMITED | Corporate Director | 2012-09-07 | 2015-06-10 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Cinven Limited | Corporate entity | Significant influence | 2017-01-26 | Ceased 2025-09-30 |
Filing timeline
Last 20 of 126 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-06-28 | AA | accounts | Accounts with accounts type group | |
| 2026-06-22 | TM02 | officers | Termination secretary company with name termination date | |
| 2025-10-13 | PSC08 | persons-with-significant-control | Notification of a person with significant control statement | |
| 2025-10-13 | PSC07 | persons-with-significant-control | Cessation of a person with significant control | |
| 2025-10-08 | AP01 | officers | Appoint person director company with name date | |
| 2025-10-08 | AP01 | officers | Appoint person director company with name date | |
| 2025-10-08 | TM01 | officers | Termination director company with name termination date | |
| 2025-10-08 | TM01 | officers | Termination director company with name termination date | |
| 2025-09-19 | MR05 | mortgage | Mortgage charge whole cease and release with charge number | |
| 2025-09-19 | MR05 | mortgage | Mortgage charge whole cease and release with charge number | |
| 2025-09-19 | MR05 | mortgage | Mortgage charge whole cease and release with charge number | |
| 2025-09-19 | MR05 | mortgage | Mortgage charge whole cease and release with charge number | |
| 2025-09-19 | MR05 | mortgage | Mortgage charge whole cease and release with charge number | |
| 2025-09-19 | MR05 | mortgage | Mortgage charge whole cease and release with charge number | |
| 2025-09-19 | MR05 | mortgage | Mortgage charge whole cease and release with charge number | |
| 2025-09-19 | MR05 | mortgage | Mortgage charge whole cease and release with charge number | |
| 2025-09-19 | MR05 | mortgage | Mortgage charge whole cease and release with charge number | |
| 2025-09-19 | MR05 | mortgage | Mortgage charge whole cease and release with charge number | |
| 2025-09-19 | MR05 | mortgage | Mortgage charge whole cease and release with charge number | |
| 2025-09-19 | MR05 | mortgage | Mortgage charge whole cease and release with charge number |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 20
- Capital events
- 0
- Officers appointed
- 2
- 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.