ARBUTHNOT COMMERCIAL ASSET BASED LENDING LIMITED
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Cash
—
Latest balance sheet
Net assets
£30M
+7.7% highest in 3 filed years
Employees
38
+11.8% highest in 3 filed years
Profit before tax
£8.9M
-25.8% vs 2024
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 | — | £10,042,000 | £8,920,000 | -11.2% | |
| Fee & commission income | — | £9,922,000 | £7,182,000 | -27.6% | |
| Operating income | — | £19,964,000 | £16,102,000 | -19.3% | |
| Impairment losses | — | £32,000 | £3,000 | -90.6% | |
| Profit before tax | £8,541,000 | £11,938,000 | £8,859,000 | -25.8% | |
| Net profit | £6,524,000 | £8,940,000 | £6,629,000 | -25.9% | |
| Loans & advances to customers | — | £228,196,000 | £219,362,000 | -3.9% | |
| Customer deposits | — | — | — | — | |
| Total assets | £239,851,000 | £228,322,000 | £220,277,000 | -3.5% | |
| Total liabilities | — | £200,766,000 | £190,592,000 | -5.1% | |
| Equity | £18,616,000 | £27,556,000 | £29,685,000 | +7.7% | |
| Average employees | 31 | 34 | 38 | +11.8% |
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 | 51.5% | 56.4% | — | |
| Net margin | 21.6% | 25.3% | — | |
| Gearing (liabilities / total assets) | 92.2% | 87.9% | 86.5% | |
| Interest cover | 1.06x | 1.30x | — |
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
- ARBUTHNOT COMMERCIAL ASSET BASED LENDING LIMITED 2017-12-14 → present
- ARBUTHNOT COMMERCIAL ASSET BACKED LENDING LIMITED 2017-11-01 → 2017-12-14
- AGHOCO 1599 LIMITED 2017-08-14 → 2017-11-01
Audit & accounting basis
- Accounting basis
- IFRS
- Reporting scope
- Standalone (parent only)
- Auditor
- Forvis Mazars LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“After making appropriate enquiries which assessed strategy, income and expenditure, ongoing parental funding and risk management (see note 6), the directors are satisfied that the Company has adequate resources to continue in operation for the period of at least 12 months from the signing date of these financial statements. The financial statements are theref”
Significant events
- “25. Events after the balance sheet date. The Board approved an interim dividend of £3,100,000 to be paid in April 2026.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
7 active · 7 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| JENNINGS, Nicholas David De Burgh | Secretary | 2018-07-13 | — | — |
| CANTLIN, Steven Graham | Director | 2019-02-28 | Feb 1978 | British |
| COBB, James Robert | Director | 2018-04-27 | Dec 1968 | British |
| CRAVEN, Kevin David | Director | 2026-07-01 | Oct 1968 | British |
| HAWKINS, Timothy James | Director | 2018-02-05 | Sep 1964 | British |
| SALMON, Andrew Alfred | Director | 2018-04-27 | Oct 1962 | British |
| SHAW, James Edward Richard | Director | 2018-04-27 | Jul 1969 | British |
Show 7 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| A G SECRETARIAL LIMITED | Corporate Secretary | 2017-08-14 | 2017-11-01 |
| FLETCHER, Stephen John | Director | 2017-11-01 | 2025-12-31 |
| HART, Roger | Director | 2017-08-14 | 2017-11-01 |
| HENDERSON, Ian Arthur | Director | 2017-11-01 | 2018-08-31 |
| RUTHERFORD, Andrew Philip | Director | 2018-07-11 | 2026-01-31 |
| A G SECRETARIAL LIMITED | Corporate Director | 2017-08-14 | 2017-11-01 |
| INHOCO FORMATIONS LIMITED | Corporate Nominee Director | 2017-08-14 | 2017-11-01 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Arbuthnot Latham & Co., Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2017-11-07 | Active |
| Inhoco Formations Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2017-08-14 | Ceased 2017-11-07 |
Filing timeline
Last 20 of 49 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-07-01 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2026-07-01 | AP01 | officers | Appoint person director company with name date | |
| 2026-06-03 | AA | accounts | Accounts with accounts type full | |
| 2026-02-02 | TM01 | officers | Termination director company with name termination date | |
| 2025-12-31 | TM01 | officers | Termination director company with name termination date | |
| 2025-06-27 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-05-28 | AA | accounts | Accounts with accounts type full | |
| 2024-10-10 | PSC05 | persons-with-significant-control | Change to a person with significant control | |
| 2024-08-20 | CH01 | officers | Change person director company with change date | |
| 2024-08-12 | AD01 | address | Change registered office address company with date old address new address | |
| 2024-08-12 | AD01 | address | Change registered office address company with date old address new address | |
| 2024-07-01 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-06-04 | AA | accounts | Accounts with accounts type full | |
| 2023-06-27 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-05-09 | AA | accounts | Accounts with accounts type full | |
| 2022-06-27 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-06-01 | AA | accounts | Accounts with accounts type full | |
| 2021-06-28 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2021-06-16 | AA | accounts | Accounts with accounts type full | |
| 2020-06-30 | AA | accounts | Accounts with accounts type full |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 5
- Capital events
- 0
- Officers appointed
- 1
- 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.