DF CAPITAL BANK LIMITED
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Cash
—
Latest balance sheet
Net assets
£141M
+14% highest in 3 filed years
Employees
155
+14% highest in 3 filed years
Profit before tax
£21M
+1.9% highest in 3 filed years
Net assets
3-year trend · vs Financials 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 | — | £46,216,000 | £55,856,000 | +20.9% | |
| Fee & commission income | — | £1,234,000 | £1,659,000 | +34.4% | |
| Operating income | — | £46,092,000 | £56,074,000 | +21.7% | |
| Impairment losses | — | -£277,000 | £4,146,000 | +1,596.8% | |
| Profit before tax | £5,450,000 | £21,067,000 | £21,459,000 | +1.9% | |
| Net profit | £3,946,000 | £15,629,000 | £16,268,000 | +4.1% | |
| Loans & advances to customers | — | £656,844,000 | £809,938,000 | +23.3% | |
| Customer deposits | — | £649,665,000 | £840,565,000 | +29.4% | |
| Total assets | £698,461,000 | £794,890,000 | £1,013,538,000 | +27.5% | |
| Total liabilities | — | £670,837,000 | £872,166,000 | +30% | |
| Equity | £107,729,000 | £124,053,000 | £141,372,000 | +14% | |
| Average employees | 120 | 136 | 155 | +14% |
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 | 14.2% | 45.6% | — | |
| Net margin | 10.3% | 33.8% | — | |
| Gearing (liabilities / total assets) | 84.6% | 84.4% | 86.1% | |
| Interest cover | 71.71x | — | — |
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
- DF CAPITAL BANK LIMITED 2020-10-07 → present
- DISTRIBUTION FINANCE CAPITAL LTD 2016-05-25 → 2020-10-07
Audit & accounting basis
- Accounting basis
- IFRS
- Reporting scope
- Standalone (parent only)
- Auditor
- Deloitte LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The Directors have completed a formal assessment of the Company's financial resources. Based on this review, the Directors believe that the Company is well placed to manage its business risks successfully within the expected economic outlook. Accordingly, the Directors have a reasonable expectation that the Company has adequate resources to continue in operational existence for a period of at least 12 months from the date of approval of the financial statements. Accordingly, they continue to adopt the going concern basis in preparing the Annual Report and Financial Statements.”
Group structure
- DF CAPITAL BANK LIMITED · parent
- DF Capital Financial Solutions Limited 100%
- DF Capital Retail Finance Limited 100%
Significant events
- “There have been no subsequent events between 31 December 2025 and the date of this report which would have a material impact on the financial position of the Company.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
8 active · 18 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| D'SOUZA, Karen | Secretary | 2023-02-16 | — | — |
| COLL, Nicole | Director | 2022-05-16 | Jan 1976 | British |
| D'AMMASSA, Carl Mark | Director | 2020-03-09 | Oct 1973 | British |
| GREEN, Richard William | Director | 2025-09-17 | Sep 1966 | British |
| KHALIQ, Sameera | Director | 2025-07-07 | Oct 1982 | British |
| LAWRENCE, Sheryl Arlene Frances | Director | 2022-05-16 | Oct 1964 | British |
| STENRØD, Haakon | Director | 2020-06-09 | May 1980 | Norwegian |
| STEPHENS, Mark Stjohn | Director | 2017-07-03 | Feb 1960 | British |
Show 18 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| CLARK, Sarah Louise | Secretary | 2019-10-08 | 2020-12-31 |
| ELSON, Amelia Catherine | Secretary | 2017-08-31 | 2019-10-08 |
| MASON, Niall Patrick | Secretary | 2016-10-30 | 2017-08-30 |
| MAW, Timothy Ian | Secretary | 2021-03-01 | 2022-11-29 |
| MORRIS, Gavin | Secretary | 2022-11-29 | 2023-02-16 |
| WILLIAMS, Chloe | Secretary | 2020-12-31 | 2021-03-01 |
| BAINES, John Duncan | Director | 2017-07-03 | 2021-05-19 |
| BATEMAN, David James | Director | 2016-10-03 | 2019-04-09 |
| DAILEY, Christopher Neville | Director | 2016-05-25 | 2019-11-03 |
| GRATHWOHL, Thomas Judd | Director | 2019-01-28 | 2026-04-30 |
| GREENE, Stephen | Director | 2020-06-10 | 2021-12-17 |
| KENNER, Simon Henry | Director | 2016-10-03 | 2020-05-13 |
| MACHELL, Carole | Director | 2018-05-29 | 2022-06-15 |
| MASON, Niall Patrick | Director | 2016-07-01 | 2017-08-30 |
| MORRIS, Gavin Peter | Director | 2018-05-29 | 2025-07-31 |
| SONEJI, Neerav Pravin | Director | 2017-09-06 | 2018-05-29 |
| STAFFERTON, Andrew James | Director | 2016-07-01 | 2017-09-06 |
| VAN DEN BERGH, James Andrew Gereard | Director | 2019-04-11 | 2020-05-13 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Distribution Finance Capital Holdings Plc | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2019-05-08 | Active |
Filing timeline
Last 20 of 146 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-06-17 | PSC05 | persons-with-significant-control | Change to a person with significant control | |
| 2026-06-02 | AA | accounts | Accounts with accounts type full | |
| 2026-04-30 | TM01 | officers | Termination director company with name termination date | |
| 2026-01-28 | AD01 | address | Change registered office address company with date old address new address | |
| 2025-11-19 | AD01 | address | Change registered office address company with date old address new address | |
| 2025-10-27 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-10-08 | AA | accounts | Accounts with accounts type full | |
| 2025-09-17 | AP01 | officers | Appoint person director company with name date | |
| 2025-08-01 | TM01 | officers | Termination director company with name termination date | |
| 2025-07-08 | AP01 | officers | Appoint person director company with name date | |
| 2024-11-28 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-05-04 | AA | accounts | Accounts with accounts type full | |
| 2023-10-27 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-05-17 | AA | accounts | Accounts with accounts type full | |
| 2023-02-16 | TM02 | officers | Termination secretary company with name termination date | |
| 2023-02-16 | AP03 | officers | Appoint person secretary company with name date | |
| 2023-01-11 | AP03 | officers | Appoint person secretary company with name date | |
| 2023-01-11 | TM02 | officers | Termination secretary company with name termination date | |
| 2022-11-02 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-08-02 | AP01 | officers | Appoint person director company with name date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 10
- Capital events
- 0
- Officers appointed
- 2
- Officers resigned
- 2
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.