FINANCE & LEASING ASSOCIATION
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Next accounts due
2026-09-30 (in 4mo)
Last filed for 2024-12-31
Confirmation statement due
2026-10-19 (in 5mo)
Last made up 2025-10-05
Watchouts
Cash
£2M
-19.9% vs 2023
Net assets
£3M
-10.7% vs 2023
Employees
36
+12.5% vs 2023
Profit before tax
-£421K
-231.8% vs 2023
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
3 officer resignations in last 12 months
Multiple officers have left the board recently — see the People section for who.
Name history
Renamed 1 time since incorporation
- FINANCE & LEASING ASSOCIATION 1991-11-12 → present
- FINANCE & LEASING ASSOCIATION LIMITED 1991-10-04 → 1991-11-12
Net assets
2-year trend · vs Consumer Discretionary median
Accounts
2-year trend · latest reflected 2024-12-31
| Metric | Trend | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Turnover | £7,089,875 | £7,537,745 | |
| Operating profit | £163,592 | -£636,043 | |
| Profit before tax | £319,580 | -£421,315 | |
| Net profit | £261,462 | -£326,788 | |
| Cash | £2,071,845 | £1,659,425 | |
| Total assets less current liabilities | £3,104,458 | £2,775,686 | |
| Net assets | £3,062,338 | £2,735,550 | |
| Equity | £3,062,338 | £2,735,550 | |
| Average employees | 32 | 36 | |
| Wages | £2,566,546 | £2,891,287 |
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 | 2.3% | -8.4% | |
| Net margin | 3.7% | -4.3% | |
| Return on capital employed | 5.3% | -22.9% | |
| Current ratio | 2.35x | 2.08x |
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
- Moore Kingston Smith LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The financial statements have been prepared on a going concern basis. As at 31 December 2024, the Association had treasury deposits and cash balances of £4,409,425 (2023: £4,571,845), which will support the Association's ability to continue as a going concern at least for the next 15 months. The Association has also implemented a 2.5% increase in fees to members for 2025.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
15 active · 85 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| CALNAN, Patricia Anne | Secretary | 2023-08-02 | — | — |
| AMARASEKARA, Shanika Uduwage Gehini | Director | 2025-08-04 | Apr 1975 | British |
| BURTON, Debbie Carol | Director | 2018-06-07 | Jun 1971 | British |
| EDWARDS, Paul Andrew | Director | 2024-10-01 | Apr 1975 | British |
| HOGGART, Richard Matthew | Director | 2024-10-24 | Dec 1971 | British |
| HUGHES, Alexander Paul | Director | 2020-06-22 | May 1976 | British |
| LUMB, Helen | Director | 2023-01-01 | Jul 1967 | British |
| MALEHAM, Geoffrey Paul | Director | 2024-03-13 | Sep 1979 | British |
| NUTLEY, Julian Stanley | Director | 2024-03-15 | Jan 1968 | British |
| PHILLIPOU, John Edward | Director | 2020-03-05 | May 1972 | British |
| POWELL, Emma Jane | Director | 2023-11-15 | Sep 1977 | British |
| RANDALL, Michael Charles | Director | 2022-01-01 | Apr 1966 | British |
| RHODES, Lee John | Director | 2023-11-15 | Aug 1973 | British |
| WENT, Paul | Director | 2019-05-28 | Sep 1978 | British |
| WILLIAMS, Nicholas Andrew | Director | 2023-08-01 | Jun 1974 | British |
Show 85 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| EDWARDS, Janet Elizabeth Heathcote | Secretary | 2006-12-18 | 2020-12-31 |
| GRANT, Neil Anthony Douglas | Secretary | — | 1995-11-13 |
| HALL, Martin Allan | Secretary | 1998-10-13 | 1999-01-19 |
| HALL, Martin Allan | Secretary | 1995-11-13 | 1997-05-22 |
| JEFFREY, Dennis | Secretary | 1999-01-19 | 2006-12-18 |
| TURNER, Bryan | Secretary | 2021-01-01 | 2023-08-02 |
| WALDREN, Margaret Ellen | Secretary | 1997-05-22 | 1998-10-13 |
| ASHWORTH, George Smith-Salmond | Director | 2010-06-28 | 2013-09-11 |
| BAGGALEY, David Anthony | Director | 1995-05-18 | 1997-05-22 |
| BARLEY, Michael James | Director | 2001-05-17 | 2003-05-15 |
| BAUM, Jonathan Graydon | Director | 2001-05-17 | 2001-09-27 |
| BAUM, Simon Graydon | Director | 2003-05-15 | 2012-03-30 |
| BEAUCHAMP, Martyn Joseph | Director | 2016-07-08 | 2017-01-31 |
| BENNETT, John | Director | 2005-05-12 | 2010-10-06 |
| BETTELEY, David Thomas | Director | 2002-05-16 | 2010-05-05 |
| BOLTON, Stephen Geoffrey | Director | 2014-01-08 | 2022-06-22 |
| BOOBYER, Christopher Leslie Richard | Director | 2001-05-17 | 2004-10-01 |
| BRACE, Tabitha Jayne | Director | 2022-05-27 | 2024-11-15 |
| BRIAN, Michael | Director | 1999-05-20 | 2001-05-17 |
| BRIAN, Michael | Director | 1995-05-17 | 1998-05-21 |
| BRITTON, Michael John | Director | 2015-05-28 | 2018-10-26 |
| BROWN, Alexander Stewart | Director | 2011-09-23 | 2014-01-14 |
| BROWN, John Sydney | Director | — | 1996-05-10 |
| CALLENDER, John Dalrymple | Director | 1994-05-10 | 1998-05-21 |
| CARSON, David Maurice | Director | 2018-06-04 | 2026-01-29 |
| CLIBBENS, Nigel Timothy John | Director | 2011-03-29 | 2020-09-25 |
| COTTLE, Peter Malcolm | Director | 2003-05-15 | 2009-06-03 |
| CROWFOOT, Patrick Alan David | Director | 2002-01-31 | 2003-05-15 |
| CRUMP, Joseph | Director | 2016-06-28 | 2020-09-25 |
| DAVIES, John Lewis | Director | 2004-05-13 | 2007-05-10 |
| DAVIES, John Lewis | Director | 1998-05-21 | 2001-05-17 |
| DE ROUSSET HALL, Peter | Director | 2000-05-18 | 2005-05-12 |
| DOST, Kamran Bill, Rev. Dr. | Director | 2014-01-16 | 2022-12-31 |
| DUNSMORE, David George | Director | 1997-05-22 | 1999-05-20 |
| ENOCK, Luke David | Director | 2022-05-27 | 2024-01-10 |
| FERGUSON, Gordon | Director | 2012-10-01 | 2020-11-30 |
| FLANIGAN, David Carroll | Director | 1994-05-10 | 1995-05-09 |
| GENEEN, Samuel | Director | 2000-05-18 | 2014-05-08 |
| GEORGE, Philip Anthony | Director | 1999-05-20 | 2003-05-15 |
| GLASS, Alan Graham | Director | — | 1993-05-11 |
| GOWLER, Stephen Michael | Director | 2012-04-12 | 2016-11-30 |
| GRIMES, Gerald Michael | Director | 2010-11-01 | 2017-04-28 |
| HADDRILL, Stephen Howard | Director | 2019-12-01 | 2025-08-08 |
| HALL, Martin Allan | Director | 1995-11-13 | 1999-01-19 |
| HALL, Martin Allan | Director | 1995-06-01 | 2007-07-21 |
| HALL, Michael John | Director | 2003-05-15 | 2007-05-10 |
| HALLIWELL, Christopher Roger | Director | 1998-05-21 | 2000-05-18 |
| HARDISTY, David Garfield | Director | 1993-05-11 | 1995-05-18 |
| HART, Andrew Stuart | Director | 2014-03-28 | 2014-12-19 |
| HILL, Adrian Richard | Director | 2002-05-16 | 2004-05-13 |
| HILL, Adrian Richard | Director | 1999-05-20 | 2001-05-17 |
| HILL, Malcolm Gerald | Director | 1998-05-21 | 1999-05-20 |
| HOLMES, Timothy Victor | Director | 1996-06-12 | 1998-05-21 |
| ISAAC, Ian John | Director | 2016-03-30 | 2024-09-25 |
| JENNINGS, Paul Ronald | Director | 2018-04-03 | 2022-04-30 |
| JONES, Richard Andrew | Director | 2016-01-15 | 2024-12-31 |
| JUKES, Anthony Wilfrid | Director | — | 1996-05-10 |
| LYNN, George | Director | 2010-06-21 | 2012-07-06 |
| MALLIN, Anthony Granville | Director | — | 1994-05-10 |
| MCGEE, James Gerard | Director | 2018-06-25 | 2023-11-30 |
| MCNEIL, Rebecca Louise | Director | 2021-11-01 | 2023-09-28 |
| MICHALIK, Cecilia Ann | Director | 1999-05-20 | 1999-07-01 |
| MILES, Peter Bernard | Director | 2000-05-18 | 2005-05-12 |
| MINTER, Peter | Director | 2010-03-18 | 2014-03-31 |
| MOODY, Douglas | Director | 2005-05-12 | 2018-03-21 |
| MURPHY, Mark Antony | Director | 2013-06-20 | 2014-02-28 |
| NOBLE, Paul Jonathan | Director | 2015-03-20 | 2016-01-15 |
| OLDFIELD, David James Stanley | Director | 2008-02-21 | 2009-04-01 |
| OWEN, Robert John | Director | 2017-07-28 | 2021-12-31 |
| PAGE, Karen Mariam | Director | 2023-06-30 | 2025-10-09 |
| PICKEN, Graham Edward | Director | 1997-05-22 | 1999-05-20 |
| PRIESTMAN, Richard Mark | Director | 2006-05-11 | 2010-06-18 |
| PUMFREY, Donna Wendy | Director | 2008-06-02 | 2011-02-28 |
| RANDELL, Michael Charles | Director | 2016-03-30 | 2016-04-08 |
| RENNISON, Gordon | Director | 2011-03-17 | 2015-05-15 |
| ROBERTS, Carol Ann | Director | 2015-12-21 | 2022-12-31 |
| ROSS, William Philip | Director | 2009-05-18 | 2018-03-29 |
| SINCLAIR, John Barclay | Director | 2007-05-10 | 2009-11-25 |
| SKLAROFF, Stephen Richard, Dr | Director | 2007-05-21 | 2019-09-28 |
| SMITH, Timothy Robin | Director | 2014-07-01 | 2023-07-01 |
| STAMPER, Christopher Paul | Director | 2003-05-15 | 2012-04-30 |
| STEVENS, Gregory Peter | Director | 2007-05-10 | 2009-08-31 |
| STUART, John David | Director | 2009-05-11 | 2011-09-23 |
| SUTTON, Christopher | Director | 2009-06-03 | 2015-12-31 |
| TAYLOR, Charles Stuart | Director | 1996-05-10 | 2000-05-18 |
Ownership
Persons with significant control
Filing timeline
Last 20 of 339 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-02-09 | TM01 | officers | Termination director company with name termination date | |
| 2025-10-21 | TM01 | officers | Termination director company with name termination date | |
| 2025-10-06 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-08-13 | CH01 | officers | Change person director company with change date | |
| 2025-08-13 | AP01 | officers | Appoint person director company with name date | |
| 2025-08-13 | TM01 | officers | Termination director company with name termination date | |
| 2025-05-21 | AA | accounts | Accounts with accounts type full | |
| 2025-01-02 | TM01 | officers | Termination director company with name termination date | |
| 2024-11-19 | TM01 | officers | Termination director company with name termination date | |
| 2024-10-25 | AP01 | officers | Appoint person director company with name date | |
| 2024-10-05 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-10-02 | AP01 | officers | Appoint person director company with name date | |
| 2024-09-26 | TM01 | officers | Termination director company with name termination date | |
| 2024-05-24 | AA | accounts | Accounts with accounts type full | |
| 2024-03-22 | AP01 | officers | Appoint person director company with name date | |
| 2024-03-22 | AP01 | officers | Appoint person director company with name date | |
| 2024-01-10 | TM01 | officers | Termination director company with name termination date | |
| 2023-12-05 | TM01 | officers | Termination director company with name termination date | |
| 2023-12-05 | TM01 | officers | Termination director company with name termination date | |
| 2023-11-15 | CH03 | officers | Change person secretary company with change date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 7
- Capital events
- 0
- Officers appointed
- 1
- Officers resigned
- 3
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
+6.3%
£7,089,875 £7,537,745
-
Cash
-19.9%
£2,071,845 £1,659,425
-
Net assets
-10.7%
£3,062,338 £2,735,550
-
Employees
+12.5%
32 36
-
Operating profit
-488.8%
£163,592 -£636,043
-
Profit before tax
-231.8%
£319,580 -£421,315
-
Wages
+12.7%
£2,566,546 £2,891,287
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