BLUESTONE CONSUMER FINANCE LIMITED

• ◆

  Audit opinion: Qualified

  Latest auditor's report carried a non-clean opinion.

1. BLUESTONE CONSUMER FINANCE LIMITED 2020-01-30 → present
2. BLUESTONE CREDIT MANAGEMENT LIMITED 2011-11-04 → 2020-01-30
3. CLOSE CREDIT MANAGEMENT LIMITED 1996-08-01 → 2011-11-04
4. BUSINESS ADVISORY SERVICES (NORTHERN) LIMITED 1971-10-27 → 1996-08-01

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

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.

Accounting basis

FRS 102

Reporting scope

Consolidated group

Auditor

Price Bailey

Audit opinion

Qualified

Going concern

Affirmed

“The BCF Group has positive net current assets including a cash balance of £1,275,101 (excluding cash collected and held on behalf of customers) as at 30 June 2025. The Company also has a £1m loan facility from its sole shareholder, BIH, which was undrawn as at 30 June 2025. The loan facility is cancelled and repayable if the Company ceases to be a subsidiary of BIH. Both future trading and stressed scenario forecasts indicate that the business has sufficient cash to ensure the BCF Group is able to meet its obligations as they fall due for a period of at least twelve months from the date the financial statements are signed and is not expected to draw on the loan facility. The financial statements have therefore been prepared on a going concern basis.”

Group structure

1. BLUESTONE CONSUMER FINANCE LIMITED · parent
   1. Bluestone Retail Finance Limited 100% · United Kingdom · Dormant
   2. Bluestone Motor Finance Limited 100% · United Kingdom · Dormant
   3. Bluestone Credit Management Limited 100% · United Kingdom · Dormant

Significant events

• “On 24 September 2025, the Company sold 100% of its shares in Bluestone Credit Management Limited and Bluestone Motor Finance Limited to Bluestone Investment Holdings Limited for a consideration of £1.00 each.”

Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers

Filings

3

last 12 months

Capital events

0

last 24 months

Officers appointed

0

last 12 months

Officers resigned

1

last 12 months

Direct counts from the register. No score, no rating — see the Filing timeline for the underlying events.

• Turnover

  -10.6%

  £4,442,481 → £3,973,380

• Cash

  -14.9%

  £3,191,394 → £2,714,738

• Net assets

  +1.9%

  £1,192,479 → £1,215,059

• Employees

  -7.8%

  64 → 59

• Operating profit

  -85.8%

  £623,047 → £88,528

• Profit before tax

  -96.8%

  £461,231 → £14,806

• Wages

  -3%

  £2,010,446 → £1,950,041

Each % is (latest − prior) ÷ |prior| for the line item as filed. The comparison is only shown when the latest and prior accounts cover broadly equal-length periods — short or long stubs (typical around incorporation or a year-end change) are suppressed rather than misrepresented. Lines a company doesn't report are omitted. About these numbers