RCC BUSINESS MORTGAGES PLC
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Next accounts due
2026-06-30 (in 1mo)
Last filed for 2024-12-31
Confirmation statement due
2026-09-13 (in 4mo)
Last made up 2025-08-30
Watchouts
None on the register
Cash
£837K
+506.5% vs 2023
Net assets
£1M
+72.4% vs 2023
Employees
36
+20% vs 2023
Profit before tax
£720K
+247.8% vs 2023
Name history
Renamed 6 times since incorporation
- RCC BUSINESS MORTGAGES PLC 2009-06-26 → present
- RCC BUSINESS MORTGAGES LIMITED 2008-12-04 → 2009-06-26
- RCC BUSINESS MORTGAGES PLC 1994-09-29 → 2008-12-04
- RCC FINANCIAL SERVICES PLC 1988-06-07 → 1994-09-29
- RCC FINANCIAL SERVICES PLC 1986-09-04 → 1988-06-07
- RELIANCE CONSUMER CREDIT FINANCIAL SERVICES LIMITED 1984-03-30 → 1986-09-04
- PRECIS (230) LIMITED 1983-11-04 → 1984-03-30
Net assets
2-year trend · vs Industrials median
Accounts
2-year trend · latest reflected 2024-12-31
| Metric | Trend | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Turnover | £3,554,000 | £4,982,000 | |
| Operating profit | £145,000 | £685,000 | |
| Profit before tax | £207,000 | £720,000 | |
| Net profit | £114,000 | £735,000 | |
| Cash | £138,000 | £837,000 | |
| Total assets less current liabilities | — | — | |
| Net assets | £746,000 | £1,286,000 | |
| Equity | £746,000 | £1,286,000 | |
| Average employees | 30 | 36 | |
| Wages | £1,812,000 | £2,362,000 |
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 | 4.1% | 13.7% | |
| Net margin | 3.2% | 14.8% | |
| Gearing (liabilities / total assets) | 38.3% | 32.9% | |
| Current ratio | 2.72x | 3.05x | |
| Interest cover | 18.13x | 85.63x |
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
- Reporting scope
- Standalone (parent only)
- Auditor
- MHA
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“Having reviewed these forecasts and reviewed the implications of them in terms of cashflow and the available cash resources, management believe the company has sufficient resources to continue as a going concern for the foreseeable future.”
Significant events
- “All four operating divisions across Christie Finance (Core, Corporate Debt Advisory, Real Estate and Unsecured) experienced increased activity by both deal volume in 2024 with instructions up 15%, income up by 40% and operating profit increasing by 470% to £685k (PY £145k).”
- “During 2024 we continued investment in the business by increasing headcount by 20%.”
- “Reductions in Bank of England base rate received positively as borrowing costs reduce.”
- “In 2024, Christie Finance continued to be recognised as experts in their field, winning Funder of The Year in the 2024 Dental Industry Awards and also receiving a highly commended award for 'Commercial Broker of the Year' from the National Association of Commercial Financial Brokers (NACFB).”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
13 active · 40 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| RUTLAND, David John | Secretary | 2025-02-25 | — | — |
| BOYCE, Gary David | Director | 2017-12-12 | Sep 1970 | British |
| DICKSON, Craig | Director | 2015-01-01 | May 1976 | British |
| HAWKINS, Simon James | Director | 2008-08-08 | Jul 1971 | British |
| HOWARD, Anthony Richard Charles | Director | 2024-01-01 | Aug 1977 | British |
| JOHNS, James Peter | Director | 2022-01-01 | Apr 1981 | British |
| KAKAR, Ram | Director | 2024-07-09 | Jun 1994 | British |
| MITCHELL, John Andrew | Director | 2015-01-01 | Apr 1977 | British |
| PRICKETT, Daniel Ronald | Director | 2024-01-01 | Sep 1976 | British |
| RAY, Alena | Director | 2024-07-09 | Aug 1983 | British |
| ROBERTS, Lawrence Dean | Director | 2023-01-01 | Sep 1983 | British |
| WARD, David John | Director | 2008-02-01 | Sep 1966 | British |
| WATTS, Shaun | Director | 2019-01-01 | Jun 1984 | British |
Show 40 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| AHMED, Shamim | Secretary | 2023-01-17 | 2023-04-13 |
| BAXTER, Michael Robert | Secretary | 2024-05-20 | 2025-02-25 |
| CRAIGEN, Mark Andrew | Secretary | 2018-05-02 | 2020-11-06 |
| DIXON, Susan Mary | Secretary | 1993-10-19 | 1996-02-20 |
| DOBSON, Jane Helena | Secretary | 1996-05-22 | 2006-05-24 |
| HAWKINS, Simon | Secretary | 2023-04-13 | 2024-05-20 |
| HAWKINS, Simon James | Secretary | 2022-09-14 | 2023-01-17 |
| HAWKINS, Simon James | Secretary | 2008-08-08 | 2018-05-02 |
| IRVING, Hannah Louise | Secretary | 2020-11-16 | 2022-09-02 |
| LINDSAY, Rachael Dawn | Secretary | 1996-02-20 | 1996-05-22 |
| MERRETT, Stephen | Secretary | 2006-05-24 | 2008-08-08 |
| WADE, Caroline Frances | Secretary | — | 1993-10-19 |
| AHMED, Shamim | Director | 2023-01-17 | 2023-04-13 |
| ANJUM, Jawad | Director | 2020-01-01 | 2021-06-30 |
| BAKER, Nicholas James | Director | 2013-12-12 | 2018-08-31 |
| BAKER, Nicholas James | Director | 2010-01-01 | 2013-04-25 |
| CHESTER, Steven James | Director | 2000-12-14 | 2006-05-03 |
| CRAIGEN, Mark Andrew | Director | 2018-05-02 | 2020-11-06 |
| DAY, Christopher John | Director | 1999-02-23 | 2004-04-30 |
| DOBSON, Jane Helena | Director | 2000-12-14 | 2006-05-24 |
| DOUGAL, Sue | Director | 2007-12-20 | 2008-08-31 |
| EAKIN, Kevin Robert | Director | — | 1998-09-29 |
| FIELD, Christopher Simon | Director | 2010-01-01 | 2021-04-30 |
| GOLD, Michael Stephen | Director | — | 1992-10-16 |
| GRANT, David Ross | Director | 2007-12-20 | 2014-08-31 |
| GWYN, Philip Hammond Rhys | Director | — | 2004-04-30 |
| HARDEN, Gary | Director | 2022-07-12 | 2025-02-14 |
| HUGHES, Simon Richard | Director | 2008-09-05 | 2013-11-21 |
| IRVING, Hannah Louise | Director | 2020-11-16 | 2022-09-02 |
| MACDONALD, Stuart Christopher | Director | — | 1999-10-31 |
| MCCARTHY, Rachel Anne Caroline | Director | 2004-12-31 | 2006-09-11 |
| MERRETT, Stephen | Director | 2006-09-11 | 2008-08-31 |
| MITCHELL, John Andrew | Director | 2003-12-18 | 2006-05-09 |
| MORGAN, Evan Simon | Director | 2010-01-01 | 2011-10-28 |
| PAWELCZYK, Stuart John | Director | 2017-12-12 | 2020-11-19 |
| RUGG, David Barry | Director | — | 2004-04-30 |
| RYAN, Patrick John | Director | 1999-10-19 | 2007-12-20 |
| STEIN, Jeremy Paul | Director | — | 1993-03-03 |
| WOOD, Mathew Damian | Director | — | 1995-05-31 |
| YEADON, David Alan | Director | 1994-04-08 | 2001-01-08 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Christie Financial Services Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2017-12-07 | Active |
| Christie Financial Services Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Ceased 2017-12-07 |
Filing timeline
Last 20 of 263 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2025-12-16 | CH01 | officers | Change person director company with change date | |
| 2025-09-08 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-06-03 | AA | accounts | Accounts with accounts type full | |
| 2025-03-10 | TM02 | officers | Termination secretary company with name termination date | |
| 2025-03-10 | AP03 | officers | Appoint person secretary company with name date | |
| 2025-02-18 | TM01 | officers | Termination director company with name termination date | |
| 2024-09-02 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-07-17 | AP01 | officers | Appoint person director company with name date | |
| 2024-07-16 | AP01 | officers | Appoint person director company with name date | |
| 2024-06-17 | AA | accounts | Accounts with accounts type full | |
| 2024-06-12 | CH01 | officers | Change person director company with change date | |
| 2024-05-28 | TM02 | officers | Termination secretary company with name termination date | |
| 2024-05-28 | AP03 | officers | Appoint person secretary company with name date | |
| 2024-01-02 | AP01 | officers | Appoint person director company with name date | |
| 2024-01-02 | AP01 | officers | Appoint person director company with name date | |
| 2023-09-11 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-07-04 | AA | accounts | Accounts with accounts type full | |
| 2023-04-18 | AP03 | officers | Appoint person secretary company with name date | |
| 2023-04-18 | TM01 | officers | Termination director company with name termination date | |
| 2023-04-18 | TM02 | officers | Termination secretary company with name termination date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 3
- 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
+40.2%
£3,554,000 £4,982,000
-
Cash
+506.5%
£138,000 £837,000
-
Net assets
+72.4%
£746,000 £1,286,000
-
Employees
+20%
30 36
-
Operating profit
+372.4%
£145,000 £685,000
-
Profit before tax
+247.8%
£207,000 £720,000
-
Wages
+30.4%
£1,812,000 £2,362,000
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