PARAGON BUSINESS FINANCE PLC
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Next accounts due
2027-03-31 (in 10mo)
Last filed for 2025-09-30
Confirmation statement due
2026-07-05 (in 2mo)
Last made up 2025-06-21
Watchouts
None on the register
Cash
£2M
+4% vs 2024
Net assets
£11M
+52.5% vs 2024
Employees
—
Average over period
Profit before tax
£5M
+78.1% vs 2024
Net assets
2-year trend · vs Financials median
Accounts
2-year trend · latest reflected 2025-09-30
| Metric | Trend | 2024-09-30 | 2025-09-30 |
|---|---|---|---|
| Turnover | £25,806,000 | £30,220,000 | |
| Operating profit | £2,757,000 | £4,910,000 | |
| Profit before tax | £2,757,000 | £4,910,000 | |
| Net profit | £1,019,000 | £3,771,000 | |
| Cash | £2,371,000 | £2,467,000 | |
| Total assets less current liabilities | £7,187,000 | £10,958,000 | |
| Net assets | £7,187,000 | £10,958,000 | |
| Equity | £7,187,000 | £10,958,000 | |
| 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 | 2024-09-30 | 2025-09-30 |
|---|---|---|---|
| Operating margin | 10.7% | 16.2% | |
| Net margin | 3.9% | 12.5% | |
| Return on capital employed | 38.4% | 44.8% | |
| Gearing (liabilities / total assets) | 99.1% | 98.8% | |
| Current ratio | 0.00x | 0.00x | |
| Interest cover | 0.07x | 0.12x |
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
- KPMG LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“After considering the Company's position, the economic environment and the forecasts described above, the directors have a reasonable expectation that the Company will have adequate resources to continue in operational existence for the foreseeable future. For this reason, they continue to adopt the going concern basis in preparing the Financial Statements.”
Significant events
- “The longer-term results of the policies being adopted by the UK government elected in 2024, and the fiscal and economic measures announced in its October 2024 budget have yet to become clear, and there have been a number of significant leadership changes in major economies in the past twelve months which have the potential to impact on the global outlook.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
5 active · 43 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| VAN NIEKERK, Marius | Secretary | 2025-04-02 | — | — |
| ALLEN, Keith Graham | Director | 2017-04-28 | Jul 1972 | British |
| NEWCOMBE, David | Director | 2019-10-21 | Jun 1967 | British |
| PHILLIPOU, John Edward | Director | 2019-10-21 | May 1972 | British |
| WOODMAN, Richard James | Director | 2019-10-21 | May 1965 | British |
Show 43 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BURKE, Paul Edward | Secretary | 1996-06-07 | 1998-05-28 |
| DAVIES, Philip Geoffrey | Secretary | 2003-10-29 | 2007-04-20 |
| LACEY, Andrew | Secretary | 2007-04-20 | 2019-10-31 |
| MILLS, Simon James | Secretary | 1993-10-29 | 1996-06-07 |
| MURPHY, Ciara | Secretary | 2020-06-01 | 2025-04-02 |
| RANDALL, Gregory Lawrence | Secretary | — | 1993-10-29 |
| SHARP, Pandora | Secretary | 2019-10-31 | 2020-06-01 |
| ABBEY NATIONAL SECRETARIAT SERVICES LIMITED | Corporate Secretary | 1998-05-28 | 2003-10-29 |
| ADAMS, Aubrey John | Director | 1994-12-12 | 1998-05-28 |
| BARTHOLOMEUSZ, Michael Allan | Director | 1998-05-28 | 2000-06-05 |
| BEATHAM, Glenn | Director | 2003-10-29 | 2008-05-12 |
| BIRKETT, Robin Anthony | Director | 2002-09-17 | 2004-11-11 |
| BULLARD, Andrew Philip | Director | 1997-05-06 | 2009-07-17 |
| BURKE, Paul Edward | Director | 1998-07-14 | 2003-10-29 |
| CAPTAIN, Anthony Albert | Director | — | 2000-12-31 |
| COGGINS, Paul Douglas | Director | 2013-10-17 | 2016-07-07 |
| COLEMAN, Christopher Lewis | Director | 2010-09-23 | 2015-11-03 |
| DAVIES, Philip Geoffrey | Director | 2003-10-29 | 2016-06-03 |
| DOE, Richard John | Director | 2015-11-03 | 2019-09-30 |
| GENEEN, Samuel | Director | 2003-10-29 | 2014-09-30 |
| GEORGE, Philip Anthony | Director | 1998-05-28 | 2002-08-01 |
| GUILFOYLE, Jeremy Paul | Director | 2003-06-19 | 2016-07-07 |
| HAYHOW, John Robert Davy | Director | 2000-06-05 | 2003-10-29 |
| HEDLEY, Thomas Francis Quentin | Director | — | 1998-05-28 |
| HOCKEY MORLEY, Gary | Director | 2002-02-28 | 2003-10-29 |
| KIRK, Simon John | Director | 2003-10-29 | 2017-04-28 |
| LEITCH, Gary Andrew, Mr. | Director | 2017-04-28 | 2019-10-04 |
| LUFF, John Douglas | Director | 2003-10-29 | 2011-02-07 |
| MILLS, Simon James | Director | 1994-12-12 | 2009-05-21 |
| PATEL, Shashin | Director | 2002-02-28 | 2003-10-29 |
| RANDALL, Gregory Lawrence | Director | — | 2000-12-31 |
| ROESTENBURG, Anthony Mark | Director | 1998-07-14 | 2002-09-02 |
| SAMPSON, James David | Director | 2003-06-19 | 2014-08-01 |
| SCOTT, John Stearn | Director | 1998-05-28 | 2000-04-01 |
| SHELTON, Richard Dominic | Director | 2019-10-21 | 2021-02-03 |
| SMART, James Ramsay | Director | 2000-04-01 | 2002-02-28 |
| SMITHSON, Andrew Kinnear | Director | 2015-11-03 | 2017-04-28 |
| STEVENSON, Nicholas John | Director | 1993-07-29 | 1994-12-12 |
| STEWART, David Howat | Director | 1998-05-28 | 2001-09-30 |
| TAYLOR, David James | Director | — | 1997-06-25 |
| TIDBY, Deana | Director | 2006-01-17 | 2007-03-19 |
| TIDBY, Martin Lee | Director | 2008-11-13 | 2016-07-07 |
| WELLING, Simon Geoffrey Stanley | Director | 2016-05-20 | 2018-01-31 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Paragon Asset Finance Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2023-07-04 | Active |
| State Securities Holdings Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Ceased 2023-07-04 |
Filing timeline
Last 20 of 744 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-03-06 | AA | accounts | Accounts with accounts type full | |
| 2026-01-26 | CH01 | officers | Change person director company with change date | |
| 2025-12-21 | RESOLUTIONS | resolution | Resolution | |
| 2025-12-21 | MA | incorporation | Memorandum articles | |
| 2025-06-26 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-04-14 | AP03 | officers | Appoint person secretary company with name date | |
| 2025-04-14 | TM02 | officers | Termination secretary company with name termination date | |
| 2025-02-28 | AA | accounts | Accounts with accounts type full | |
| 2024-07-01 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2024-03-08 | AA | accounts | Accounts with accounts type full | |
| 2023-07-11 | PSC07 | persons-with-significant-control | Cessation of a person with significant control | |
| 2023-07-11 | PSC02 | persons-with-significant-control | Notification of a person with significant control | |
| 2023-06-22 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-02-27 | AA | accounts | Accounts with accounts type full | |
| 2022-06-21 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-06-21 | AD04 | address | Move registers to registered office company with new address | |
| 2022-02-11 | AA | accounts | Accounts with accounts type full | |
| 2021-06-21 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2021-03-16 | AA | accounts | Accounts with accounts type full | |
| 2021-02-03 | TM01 | officers | Termination director company with name termination date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 5
- 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
FY2024 → FY2025 · period ending 2025-09-30 vs 2024-09-30
-
Turnover
+17.1%
£25,806,000 £30,220,000
-
Cash
+4%
£2,371,000 £2,467,000
-
Net assets
+52.5%
£7,187,000 £10,958,000
-
Employees
—
Not reported
-
Operating profit
+78.1%
£2,757,000 £4,910,000
-
Profit before tax
+78.1%
£2,757,000 £4,910,000
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