LOMBARD NORTH CENTRAL PUBLIC LIMITED COMPANY
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Next accounts due
2026-06-30 (in 1mo)
Last filed for 2024-12-31
Confirmation statement due
2027-01-30 (in 8mo)
Last made up 2026-01-16
Watchouts
None on the register
Cash
£71M
+73.2% vs 2023
Net assets
£105M
-42.3% vs 2023
Employees
373
-1.6% vs 2023
Profit before tax
£130M
-40.6% vs 2023
Net assets
2-year trend · vs Financials median
Accounts
2-year trend · latest reflected 2024-12-31
| Metric | Trend | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Turnover | £557,000,000 | £624,000,000 | |
| Operating profit | £370,000,000 | £426,000,000 | |
| Profit before tax | £219,000,000 | £130,000,000 | |
| Net profit | £178,000,000 | £100,000,000 | |
| Cash | £41,000,000 | £71,000,000 | |
| Total assets less current liabilities | £3,576,000,000 | £3,278,000,000 | |
| Net assets | £182,000,000 | £105,000,000 | |
| Equity | £182,000,000 | £105,000,000 | |
| Average employees | 379 | 373 | |
| Wages | £29,000,000 | £29,000,000 |
Values shown as filed in the company's annual accounts. — indicates the figure wasn't present under that line item in that period. About these numbers
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Operating margin | 66.4% | 68.3% | |
| Net margin | 32.0% | 16.0% | |
| Return on capital employed | 10.3% | 13.0% | |
| Gearing (liabilities / total assets) | 98.4% | 99.1% | |
| Current ratio | 0.91x | 0.87x | |
| Interest cover | 1.01x | 0.90x |
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.
Audit & accounting basis
- Accounting basis
- FRS 101 Reduced Disclosure Framework
- Reporting scope
- Standalone (parent only)
- Auditor
- Ernst & Young LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“In auditing the financial statements, we have concluded that the directors' use of the going concern basis of accounting in the preparation of the financial statements is appropriate.”
Group structure
- LOMBARD NORTH CENTRAL PUBLIC LIMITED COMPANY · parent
- Caledonian Sleepers Rail Leasing Limited 100%
- Jaguar Cars Finance Limited 50.1%
- JCB Finance Limited 75%
- JCB Finance Pension Limited 50%
- Lombard Business Leasing Limited 100%
- Lombard Discount Limited 100%
- Lombard Finance Limited 100%
- Lombard Ireland Group Holdings Unlimited Company 100%
- Lombard Leasing Contracts Limited 100%
- Lombard Lessors Limited 100%
- Lombard Maritime Limited 100%
- Lombard North Central Leasing Limited 100%
- Lombard Property Facilities Limited 100%
- Lombard & Ulster Limited 100%
- Lombard Technology Services Limited 100%
- Royal Bank Leasing Limited 100%
- Royscot Trust plc 100%
Significant events
- “The Company received approximately £17 million in March 2024. Given the relevant Court judgements, HMRC's position and the Company's submission of the claim and required evidence before 31 December 2023, the claim was considered virtually certain to succeed at 31 December 2023 and the event in 2024 was considered to be an adjusting post balance sheet event in the financial statements for the year ended 31 December 2023.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
4 active · 75 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| NATWEST GROUP SECRETARIAL SERVICES LIMITED | Corporate Secretary | 2013-11-20 | — | — |
| EDWARDS, Paul Andrew | Director | 2024-09-19 | Apr 1975 | British |
| GRAY, Andrew Stephen, Mr. | Director | 2023-10-03 | Mar 1968 | British |
| ROMERO RAMIREZ, Carolina | Director | 2025-02-03 | Jul 1987 | Mexican |
Show 75 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| ASHWORTH, Mark Heddle | Secretary | 1998-05-08 | 1999-02-19 |
| EVANS, Margaret Janet | Secretary | — | 1998-05-08 |
| LEWIS, Derek John | Secretary | 1999-02-19 | 2008-06-30 |
| MACARTHUR, Neil Clark | Secretary | 2008-08-01 | 2010-09-16 |
| NICHOLSON, Andrew James | Secretary | 2011-10-14 | 2013-11-20 |
| WALLACE, Barbara Charlotte | Secretary | 2010-09-16 | 2011-10-14 |
| ALLEN, Peter Richard | Director | 2000-11-24 | 2003-11-21 |
| BALDOCK, Alexander David | Director | 2008-08-08 | 2012-08-31 |
| BARNARD, Andrew David | Director | 2010-02-01 | 2015-07-31 |
| BEESTON, Alistair John | Director | 1991-12-01 | 1998-10-31 |
| BIDDLE, Paul Richard | Director | 1999-02-22 | 1999-10-31 |
| BOSTOCK, Nathan Mark | Director | 2001-10-01 | 2001-10-25 |
| BRIAN, Michael | Director | 1994-07-06 | 1999-01-01 |
| BRODIE, Robert Duncan | Director | 2000-10-01 | 2004-02-29 |
| BROWN, Howard Roger | Director | 1998-02-05 | 2000-04-28 |
| BURNSIDE, Howard James | Director | 2003-01-30 | 2004-10-29 |
| CAMERON, John Alastair Nigel | Director | 2000-07-01 | 2004-10-20 |
| CARTE, Brian Addison | Director | — | 1997-10-09 |
| CHILD, Denis Marsden | Director | — | 1996-06-05 |
| CLEMETT, Graham Colin | Director | 2002-09-02 | 2007-06-15 |
| CLIBBENS, Nigel Timothy John | Director | 2002-05-16 | 2015-02-27 |
| COLEMAN, Nicholas Charles | Director | 2000-07-01 | 2000-11-24 |
| COWIE, Ian Duncan | Director | 2015-02-27 | 2016-10-31 |
| COWIE, Ian Duncan | Director | 2007-01-09 | 2013-06-07 |
| CROME, Trevor Douglas | Director | 2015-02-27 | 2016-06-30 |
| CROTTY, Richard George | Director | — | 1993-06-30 |
| DICKINSON, Alan Peter | Director | 2004-06-21 | 2010-06-09 |
| FINNERTY, Colin William | Director | — | 1995-03-31 |
| FITCH, John Derek | Director | 1991-06-03 | 1996-09-30 |
| FLEMINGTON, Roger | Director | — | 1994-09-13 |
| FLINT, Eion Arthur Mcmorran | Director | 2000-10-01 | 2004-12-01 |
| FORNI, Anthony Luigi | Director | 1995-10-01 | 1999-01-01 |
| GADSBY, Andrew Paul | Director | 2013-05-31 | 2015-05-11 |
| GRAY, Martin Hamish Vincent | Director | 1997-03-13 | 1999-10-31 |
| GREEN, Christopher William | Director | 2018-10-11 | 2019-10-04 |
| HALL, David Ian | Director | 2001-03-16 | 2002-12-31 |
| HART, Andrew Stuart | Director | 2010-09-16 | 2013-05-31 |
| HEMSLEY, Richard Andrew | Director | 2013-09-02 | 2015-01-02 |
| HIGGINS, Peter | Director | 1999-06-04 | 2000-03-31 |
| HOLDEN, Adam | Director | 2015-05-11 | 2016-07-01 |
| HORN, Bernard Philip | Director | 1992-03-03 | 1997-03-18 |
| ISAAC, Ian John | Director | 2015-02-27 | 2024-09-30 |
| JOHNSON, Jeffrey | Director | 1995-01-01 | 1999-11-08 |
| JONES, Samuel Robert | Director | 1993-08-04 | 1995-09-19 |
| KAPUR, Neeraj | Director | 2009-09-16 | 2010-02-01 |
| KELLETT, Brian Smith, Sir | Director | — | 1994-01-30 |
| KNOWLES, Christopher George | Director | 2000-07-01 | 2004-02-29 |
| LEAHY, Gerald Whieldon | Director | 1994-09-07 | 1997-10-24 |
| LEGG, Robin Stewart | Director | 1996-04-01 | 1999-02-24 |
| LYNAM, Paul Anthony | Director | 2004-10-06 | 2008-08-08 |
| MABERLY, Michael Alan | Director | — | 1994-12-31 |
| MACDONALD, James Thomas | Director | 2003-01-28 | 2004-02-29 |
| MAPPLEBECK, John Richard | Director | 1996-04-01 | 2000-06-30 |
| MARROW, Paul | Director | 2004-05-27 | 2006-09-30 |
| MARSHALL FOSTER, Wenche | Director | 1997-02-01 | 1997-10-31 |
| MEAD, Paul Richard | Director | 1992-09-02 | 1993-10-18 |
| MELBOURN, John William | Director | 1996-04-03 | 1997-10-31 |
| MORGAN, John Michael | Director | — | 1996-09-30 |
| OWENS, Gareth Mervyn | Director | 1998-01-01 | 1999-06-30 |
| PARRY, Alan David | Director | 2018-10-11 | 2019-10-04 |
| PATTARA, Joseph Alexander | Director | 2017-03-16 | 2019-10-04 |
| PEARCE, Nigel | Director | 1999-06-04 | 2004-12-17 |
| POWELL, Martin Edward | Director | 1998-07-31 | 1999-05-28 |
| PRIESTMAN, Richard Mark | Director | 2006-10-20 | 2010-06-25 |
| PURDY, John Douglas | Director | — | 1996-12-31 |
| ROOME, Harry Mccrea | Director | 1996-10-01 | 1999-03-19 |
| SHAW, Hugh Anthony | Director | 1999-02-15 | 2000-04-30 |
| STEDALL, Robert Henry | Director | 1992-01-01 | 1996-07-31 |
| SULLIVAN, Christopher Paul | Director | 1999-11-01 | 2004-08-02 |
| THWAITE, John Paul | Director | 2019-10-04 | 2023-10-03 |
| WHALEN, Geoffrey Henry, Sir | Director | 1995-01-01 | 1997-10-28 |
| WOOD, John Hamer | Director | 2016-08-08 | 2017-06-30 |
| WOODHOUSE, John Graham | Director | — | 1996-08-31 |
| WORKMAN, John Donald Black | Director | 2002-11-05 | 2004-10-29 |
| YOUNG, Ronald James | Director | — | 1995-07-10 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| National Westminster Bank Plc | Corporate entity | Shares 75–100%, Voting 75–100% | 2017-01-01 | Active |
Filing timeline
Last 20 of 436 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-01-22 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-10-03 | AA | accounts | Accounts with accounts type full | |
| 2025-02-03 | AP01 | officers | Appoint person director company with name date | |
| 2025-01-16 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2024-12-06 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2024-12-06 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2024-12-02 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2024-11-12 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2024-11-12 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2024-11-12 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2024-11-12 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2024-11-12 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2024-11-12 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2024-11-12 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2024-11-12 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2024-11-12 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2024-11-12 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2024-11-12 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2024-11-12 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2024-11-12 | MR04 | mortgage | Mortgage satisfy charge full |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 2
- 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.
Year-on-year
FY2023 → FY2024 · period ending 2024-12-31 vs 2023-12-31
-
Turnover
+12%
£557,000,000 £624,000,000
-
Cash
+73.2%
£41,000,000 £71,000,000
-
Net assets
-42.3%
£182,000,000 £105,000,000
-
Employees
-1.6%
379 373
-
Operating profit
+15.1%
£370,000,000 £426,000,000
-
Profit before tax
-40.6%
£219,000,000 £130,000,000
-
Wages
0%
£29,000,000 £29,000,000
Each % is (latest − prior) ÷ |prior| for the line item as filed. Periods don't have to be exactly 12 months apart — a long or short period (typical around incorporation or year-end changes) will distort the comparison. Lines a company doesn't report are omitted. About these numbers