CAWLEY (CHESTER) LIMITED
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Next accounts due
2026-09-30 (in 4mo)
Last filed for 2024-12-31
Confirmation statement due
2027-02-15 (in 9mo)
Last made up 2026-02-01
Watchouts
Cash
—
Latest balance sheet
Net assets
—
Equity attributable
Employees
—
Average over period
Profit before tax
—
Period ending 2024-12-31
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
Material uncertainty over going concern
As described in the future outlook section it is expected that the Company will no longer trade, the Directors do not intend to write any new business, and the intention of the Directors is to place the Company into liquidation as soon as feasible. Therefore the financial statements have been prepared on a basis other than going concern.
Name history
Renamed 5 times since incorporation
- CAWLEY (CHESTER) LIMITED 2024-01-15 → present
- NFU MUTUAL FINANCE LIMITED 1989-02-03 → 2024-01-15
- BURGESS LEASING LIMITED 1980-12-31 → 1989-02-03
- IN STORE CREDIT LIMITED 1979-12-31 → 1980-12-31
- IBOS FLEET LEASE LIMITED 1978-12-31 → 1979-12-31
- GOULSTON FACILITIES LIMITED 1960-03-11 → 1978-12-31
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 | — | — | |
| Operating profit | — | — | |
| Profit before tax | -£4,000 | — | |
| Net profit | -£4,000 | — | |
| Cash | £587,000 | — | |
| Total assets less current liabilities | £533,000 | — | |
| Net assets | £533,000 | — | |
| Equity | £533,000 | £0 | |
| Average employees | — | — | |
| Wages | — | — |
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 |
|---|---|---|---|
| Current ratio | 10.87x | — |
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 102
- Reporting scope
- Standalone (parent only)
- Auditor
- Deloitte LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Material uncertainty disclosed
“As described in the future outlook section it is expected that the Company will no longer trade, the Directors do not intend to write any new business, and the intention of the Directors is to place the Company into liquidation as soon as feasible. Therefore the financial statements have been prepared on a basis other than going concern.”
Significant events
- “On 15 January 2024, the Company changed its name from NFU Mutual Finance Limited to Cawley (Chester) Limited.”
- “During 2020, the Directors of the Company made the decision to terminate all customer agreements with a view to liquidating the Company at the earliest opportunity.”
- “On 19 December 2023, the shareholders elected to terminate the Joint Arrangement and Bank of Scotland plc purchased all other shares in the Company. As such, the Company is wholly owned by Bank of Scotland plc.”
- “During the period ending 31 December 2024, the Directors of the Company and its parent company Bank of Scotland plc, approved an uncapped indemnity agreement whereby all future liabilities relating to the Company will be borne on the Company's behalf by its parent, Bank of Scotland plc.”
- “The Company ceased to write new business during 2020. The Directors intend to liquidate the Company as soon as it is practicable.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
3 active · 48 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| MULHOLLAND, Alison Elizabeth | Secretary | 2019-12-04 | — | — |
| MCCAFFREY, James Patrick | Director | 2019-12-09 | Jun 1970 | British |
| WILLIAMS, Nicholas Andrew | Director | 2022-12-20 | Jun 1974 | British |
Show 48 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| GITTINS, Paul | Secretary | 2000-06-01 | 2016-09-24 |
| HENNESSEY, David Dermot | Secretary | 2016-09-24 | 2019-12-04 |
| NIXON, Raymond | Secretary | 1993-02-01 | 2000-05-31 |
| ADAMS, Christopher Michael | Director | 2016-08-19 | 2019-11-22 |
| ARIF, Kim | Director | 2001-09-07 | 2018-04-23 |
| BARCLAY, William Gordon | Director | 2000-11-30 | 2002-11-27 |
| BEIGHTON, Charles Peter | Director | 2014-10-16 | 2023-02-14 |
| BRYAN, Nigel David | Director | 2019-01-21 | 2023-12-19 |
| CAMPBELL, David Scott | Director | 1997-01-14 | 2010-03-31 |
| CARTER, Nicholas | Director | — | 2001-09-06 |
| CHESSMAN, Steven David Russell | Director | 2010-03-31 | 2011-02-28 |
| COSTELLO, Thomas | Director | — | 1999-11-30 |
| DEACON, Robert Anthony | Director | — | 1994-02-01 |
| DUGGAN, Gary John | Director | 1997-01-14 | 1999-11-30 |
| EGERTON, Gary John | Director | 2006-03-15 | 2007-09-21 |
| EVANS, Nicholas Ross | Director | — | 2000-10-29 |
| FLETCHER, Michael Brent | Director | 1995-05-02 | 1995-07-28 |
| GEDEN, Ian Scott | Director | 1998-10-21 | 2004-06-22 |
| GOODEN, Peter James | Director | 2007-06-20 | 2009-09-30 |
| GRIFFITHS, Michael John David, Mr. | Director | 2011-06-13 | 2015-12-19 |
| HALLIWELL, Christopher Roger | Director | — | 1995-05-02 |
| HAN, Philip James | Director | 1999-11-30 | 2003-11-12 |
| HARE, Robert Brown | Director | 1999-11-30 | 2000-11-30 |
| HITCHCOCK, Arnold Quinney | Director | 1995-11-01 | 1998-10-21 |
| JOHNS, Sian Elizabeth | Director | 2023-02-14 | 2023-12-19 |
| JOHNSTON, Gordon | Director | 1995-09-01 | 2004-03-05 |
| JONES, Richard Andrew | Director | 2015-09-21 | 2022-10-28 |
| JUKES, Anthony Wilfrid | Director | 2007-10-02 | 2009-03-26 |
| LITTLER, Roy | Director | 1999-11-30 | 2000-02-17 |
| LITTLER, Roy | Director | — | 1999-11-18 |
| MADDERS, William Woodhouse | Director | 1998-10-21 | 2003-11-25 |
| MANSER, Andrew Hylton | Director | 2000-11-30 | 2002-11-26 |
| MAPLE, Christopher | Director | — | 1993-02-05 |
| MORRISSEY, John Michael | Director | 2009-06-11 | 2010-08-31 |
| NEWTON, Robert | Director | 2002-01-04 | 2002-11-27 |
| PERCY, Charles Richard | Director | 2003-11-25 | 2007-10-02 |
| REILLY, Austin Thomas | Director | 2000-02-17 | 2000-11-30 |
| RICHARDSON, Richard William Alexander | Director | 2000-11-30 | 2004-05-31 |
| SHACKLETON, Leigh John | Director | 2004-06-23 | 2014-08-08 |
| SHACKLETON, Leigh John | Director | 1994-02-01 | 1995-09-01 |
| SUTTON, Christopher | Director | 2010-09-01 | 2015-09-21 |
| TAYLOR, David Alexander | Director | 2004-06-23 | 2007-06-20 |
| TIGWELL, Derek Frank | Director | — | 1998-10-21 |
| TINSLEY, Mark Patrick | Director | 2007-10-02 | 2009-09-30 |
| TOWN, Lindsay John | Director | 2004-01-20 | 2004-01-21 |
| WICKS, Brian Cairns | Director | — | 1995-11-01 |
| WRIGLEY, Colin Keith | Director | 2002-11-27 | 2003-12-31 |
| YOUNG, Andrew Skinner | Director | — | 2002-01-04 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| National Farmers Union Mutual Insurance Society Limited(The) | Corporate entity | Shares 25–50%, Voting 25–50% | 2016-04-06 | Ceased 2023-12-19 |
| Bank Of Scotland Plc | Corporate entity | Shares 75–100%, Voting 75–100% | 2016-04-06 | Active |
Filing timeline
Last 20 of 251 total filings
Material constitutional events — rename, articles re-file, resolution
- 2024-08-06 RESOLUTIONS Resolution
- 2024-01-15 CERTNM Certificate change of name company PDF
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-02-24 | RP01CS01 | confirmation-statement | Replacement filing of confirmation statement with made up date | |
| 2026-02-13 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-07-18 | CH01 | officers | Change person director company with change date | |
| 2025-05-12 | CH03 | officers | Change person secretary company with change date | |
| 2025-04-22 | AA | accounts | Accounts with accounts type full | |
| 2025-02-04 | CS01 | confirmation-statement | Confirmation statement | |
| 2024-08-08 | AA | accounts | Accounts with accounts type full | |
| 2024-08-06 | SH19 | capital | Capital statement capital company with date currency figure | |
| 2024-08-06 | SH20 | capital | Legacy | |
| 2024-08-06 | CAP-SS | insolvency | Legacy | |
| 2024-08-06 | RESOLUTIONS | resolution | Resolution | |
| 2024-02-07 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-01-15 | CERTNM | change-of-name | Certificate change of name company | |
| 2024-01-03 | PSC05 | persons-with-significant-control | Change to a person with significant control | |
| 2024-01-03 | PSC07 | persons-with-significant-control | Cessation of a person with significant control | |
| 2023-12-21 | TM01 | officers | Termination director company with name termination date | |
| 2023-12-21 | TM01 | officers | Termination director company with name termination date | |
| 2023-07-07 | AA | accounts | Accounts with accounts type full | |
| 2023-02-22 | AP01 | officers | Appoint person director company with name date | |
| 2023-02-22 | TM01 | officers | Termination director company with name termination date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 4
- Capital events
- 2
- 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