CHELTENHAM & GLOUCESTER PLC
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Next accounts due
2026-06-30 (in 1mo)
Last filed for 2024-12-31
Confirmation statement due
2027-01-17 (in 8mo)
Last made up 2026-01-03
Watchouts
None on the register
Cash
£177M
+4% vs 2023
Net assets
£175M
+3.8% vs 2023
Employees
370
-10.2% vs 2023
Profit before tax
£8M
+33.1% vs 2023
Name history
Renamed 2 times since incorporation
- CHELTENHAM & GLOUCESTER PLC 1995-07-17 → present
- CHAMBERS & REMINGTON PLC 1988-10-21 → 1995-07-17
- PLAINSITE LIMITED 1988-09-23 → 1988-10-21
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 | £6,299,000 | £8,403,000 | |
| Operating profit | £6,374,000 | £8,481,000 | |
| Profit before tax | £6,374,000 | £8,481,000 | |
| Net profit | £4,902,000 | £6,388,000 | |
| Cash | £170,179,000 | £177,027,000 | |
| Total assets less current liabilities | £169,077,000 | £175,364,000 | |
| Net assets | £168,795,000 | £175,183,000 | |
| Equity | £168,795,000 | £175,183,000 | |
| Average employees | 412 | 370 | |
| Wages | £0 | £0 |
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 | 101.2% | 100.9% | |
| Net margin | 77.8% | 76.0% | |
| Return on capital employed | 3.8% | 4.8% | |
| Gearing (liabilities / total assets) | 1.1% | 1.3% | |
| Current ratio | 104.83x | 80.48x | |
| Interest cover | 531.17x | 942.33x |
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
- IFRS
- Reporting scope
- Standalone (parent only)
- Auditor
- Deloitte LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The Directors have a reasonable expectation that the Company has adequate resources to continue in operational existence for at least 12 months from the date of approval of the accounts. Thus they continue to adopt the going concern basis of accounting in preparing the Annual Report and Accounts.”
Significant events
- “The Company's principal activities of arranging and administering mortgages and savings accounts ended in 2018; current activities manage remaining assets and liabilities, including a lease/sub-lease expiring 2027.”
- “From 28 April 2022, the Company subleased its Queen Street property for an initial annual amount of £40k (thereafter £80k per annum).”
- “All employees' salaries were transferred to Lloyds Bank plc from 1st September 2019.”
- “A contingent tax liability related to a claim for group relief of losses incurred in a former Irish banking subsidiary. The First Tier Tribunal ruled in favour of HMRC in January 2025. If the appeal is unsuccessful, it could increase current tax liabilities by £30,351k (including interest). The final conclusion is not expected for several years.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
3 active · 52 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| BEATTIE, Ryan | Secretary | 2026-04-29 | — | — |
| CLARK, Richard James | Director | 2024-02-01 | Jun 1971 | British |
| TOZER, Colin David | Director | 2023-06-29 | Aug 1970 | British |
Show 52 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| GITTINS, Paul | Secretary | 2011-11-25 | 2024-07-31 |
| HALADNER, Stephanie | Secretary | 2024-07-31 | 2026-04-29 |
| HATCHER, Michael Roger | Secretary | — | 1994-07-20 |
| HOPKINS, Stephen John | Secretary | 1994-07-20 | 1995-01-03 |
| JONES, Donald Christopher | Secretary | 1995-07-21 | 1995-11-01 |
| LOCKWOOD, Angela | Secretary | 2010-03-25 | 2011-11-25 |
| MAIN, Hans-Wolfgang | Secretary | 1995-01-03 | 1995-07-21 |
| SMYTH, Christopher Malcolm | Secretary | 2002-07-01 | 2010-03-25 |
| WILLIAMS, Geoffrey Michael | Secretary | 1995-11-01 | 2002-06-30 |
| BAKER, Paul William | Director | 2008-08-14 | 2009-09-01 |
| BAYS, John Newton | Director | 1995-07-21 | 2002-02-28 |
| BENNETT, David Jonathan | Director | 1995-07-21 | 1996-11-01 |
| BLACKSHAW, Carlton David Howell | Director | — | 1994-06-01 |
| BRINDLEY, Alan Robert | Director | 2015-08-13 | 2016-10-07 |
| BROOKES, Timothy Alastair Edward | Director | 1995-08-01 | 2002-02-28 |
| BURDEN, Roger Francis | Director | 2003-06-01 | 2004-10-25 |
| BURDEN, Roger Francis | Director | 1995-07-21 | 2003-04-30 |
| CHEYNE, Iain Donald | Director | 1994-06-07 | 1995-07-21 |
| DAVIES, John Thomas | Director | 1995-08-01 | 1998-07-31 |
| FLETCHER, Robert William | Director | 2014-10-03 | 2023-08-09 |
| FROY, Robert Anthony Douglas | Director | — | 1995-07-21 |
| GIBBARD, Mark James | Director | 1997-02-01 | 2005-11-30 |
| GOODSHIP, Mark David | Director | 2023-06-29 | 2024-02-02 |
| GOWLAND, Christopher | Director | 2015-10-30 | 2023-07-10 |
| GRIFFITHS, Joy Ann | Director | 2007-06-12 | 2009-03-31 |
| HALE, Nicholas John William | Director | 1997-02-01 | 2006-08-31 |
| HARRIS, Susan Elizabeth | Director | 2008-01-07 | 2009-05-20 |
| HEWITT, Karen Louise | Director | — | 1995-07-21 |
| HUNKIN, Ricky David | Director | 2004-04-02 | 2005-09-09 |
| KULA, Michael John | Director | 2010-03-01 | 2011-03-30 |
| LENMAN, Alasdair Bruce | Director | 2010-03-01 | 2012-09-07 |
| LONGHURST, Andrew Henry | Director | 1995-07-21 | 1998-04-15 |
| MALTBY, John Neil | Director | 2008-08-14 | 2009-11-23 |
| MALVERN, Roger | Director | 1995-07-21 | 2003-12-31 |
| MASSERANO, Patrick Anthony | Director | 2012-10-08 | 2013-12-31 |
| MINCHIN, Peter David | Director | — | 1994-01-26 |
| MITCHELL, Michael Frederick | Director | 2004-01-01 | 2008-04-24 |
| MOORE, Alan Edward | Director | 1998-08-01 | 2003-04-16 |
| NOAKES, Stephen John | Director | 2011-09-30 | 2015-10-30 |
| PAIN, Jonathan Charles | Director | 2003-05-01 | 2007-12-31 |
| POPE, Darren Scott | Director | 2006-05-01 | 2010-03-22 |
| PRITCHARD, David Peter | Director | 2003-05-01 | 2005-05-05 |
| PURDY, Robert Andrew | Director | 2012-10-08 | 2014-08-08 |
| ROSS GOOBEY, Alastair | Director | 1995-08-01 | 1997-12-31 |
| STRACHAN, Douglas Frederick | Director | 1995-08-01 | 2002-02-28 |
| SWAINSON, Eric | Director | 1995-08-01 | 1997-04-15 |
| TROMANS, Godfrey Elliott | Director | — | 1994-06-01 |
| TURNER, Donald | Director | 1995-08-01 | 2002-02-28 |
| WALSH, Colin | Director | 2011-03-30 | 2011-09-30 |
| WARNER, Philip Leslie | Director | 1995-08-01 | 1996-04-17 |
| WATKINS, Daniel John | Director | 2009-11-23 | 2010-02-28 |
| WOOD, John Peter | Director | 1995-08-01 | 2002-02-28 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Lloyds Bank Plc | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Active |
Filing timeline
Last 20 of 329 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-04-29 | AP03 | officers | Appoint person secretary company with name date | |
| 2026-04-29 | TM02 | officers | Termination secretary company with name termination date | |
| 2026-01-30 | AD01 | address | Change registered office address company with date old address new address | |
| 2026-01-05 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-06-06 | AA | accounts | Accounts with accounts type full | |
| 2025-01-06 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-08-02 | TM02 | officers | Termination secretary company with name termination date | |
| 2024-08-02 | AP03 | officers | Appoint person secretary company with name date | |
| 2024-06-22 | AA | accounts | Accounts with accounts type full | |
| 2024-02-19 | AP01 | officers | Appoint person director company with name date | |
| 2024-02-05 | TM01 | officers | Termination director company with name termination date | |
| 2024-01-03 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-08-09 | TM01 | officers | Termination director company with name termination date | |
| 2023-07-12 | TM01 | officers | Termination director company with name termination date | |
| 2023-07-07 | AA | accounts | Accounts with accounts type full | |
| 2023-06-30 | AP01 | officers | Appoint person director company with name date | |
| 2023-06-30 | AP01 | officers | Appoint person director company with name date | |
| 2023-01-03 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-06-24 | AA | accounts | Accounts with accounts type full | |
| 2022-01-10 | CS01 | confirmation-statement | Confirmation statement with no updates |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 5
- Capital events
- 0
- Officers appointed
- 1
- Officers resigned
- 1
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
+33.4%
£6,299,000 £8,403,000
-
Cash
+4%
£170,179,000 £177,027,000
-
Net assets
+3.8%
£168,795,000 £175,183,000
-
Employees
-10.2%
412 370
-
Operating profit
+33.1%
£6,374,000 £8,481,000
-
Profit before tax
+33.1%
£6,374,000 £8,481,000
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