CA AUTO FINANCE UK LTD
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Next accounts due
2026-09-30 (in 4mo)
Last filed for 2024-12-31
Confirmation statement due
2026-08-13 (in 3mo)
Last made up 2025-07-30
Watchouts
Cash
£88M
+7.1% vs 2023
Net assets
£148M
+15.3% vs 2023
Employees
142
+6% vs 2023
Profit before tax
-£34M
-257.5% vs 2023
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
1 PSC ceased in last 24 months
Significant control changed hands — see the Ownership section.
Net assets
2-year trend · vs Financials median
Accounts
2-year trend · latest reflected 2024-12-31
| Metric | Trend | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Turnover | £173,012,000 | £263,567,000 | |
| Operating profit | £103,839,000 | £111,129,000 | |
| Profit before tax | £21,286,000 | -£33,529,000 | |
| Net profit | £16,229,000 | -£25,125,000 | |
| Cash | £82,310,000 | £88,185,000 | |
| Total assets less current liabilities | £289,313,000 | £588,360,000 | |
| Net assets | £128,591,000 | £148,241,000 | |
| Equity | £128,591,000 | £148,241,000 | |
| Average employees | 134 | 142 | |
| Wages | £6,958,000 | £7,903,000 |
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 | 60.0% | 42.2% | |
| Net margin | 9.4% | -9.5% | |
| Return on capital employed | 35.9% | 18.9% | |
| Gearing (liabilities / total assets) | 95.2% | 95.4% | |
| Current ratio | 0.37x | 0.48x | |
| Interest cover | 1.13x | 0.76x |
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
- Forvis Mazars LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“On the basis of their assessment of the Company's financial position and of reasonable expectation of continuous support from its holding Company, the Company's directors are confident that the Company will be able to continue to trade for the foreseeable future, being no less than twelve months from the date that the financial statements were approved.”
Significant events
- “In May 2024, Crédit Agricole Consumer Finance announced a new stage in its history with a new name: Crédit Agricole Personal Finance & Mobility (CA PFM). This new name reflects the evolution of its activities which places purchasing power management, energy transitions and mobility at the heart of its model and embodies its ambitions to become a leader in personal financing and the European leader in sustainable mobility.”
- “The Company has therefore assessed a range of potential outcomes and applied a proportionate, evidence-led methodology grounded in existing legal precedent and aligned in structure with the draft consultation proposals. The Company has recognised a provision based on its best estimate of probable outflows as at 31 December 2024.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
6 active · 44 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| SAVAGE, John, Mr. | Secretary | 2019-03-22 | — | — |
| CAFFARO, Luca | Director | 2023-04-03 | Nov 1975 | Italian |
| CARELLI, Giacomo | Director | 2014-09-25 | Nov 1972 | Italian |
| GUIRCHOUX, Anne Marie | Director | 2017-03-16 | Oct 1966 | French |
| HUGHES, Alexander Paul | Director | 2015-09-01 | May 1976 | British |
| KRISHNAMOORTHY, Sriram, Mr. | Director | 2018-09-27 | Sep 1970 | British |
Show 44 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| DAVIS, William | Secretary | 1993-05-11 | 1997-06-23 |
| FARLEY, Peter John | Secretary | 1997-06-23 | 2019-03-22 |
| LAZZARO, Luigi | Secretary | 1992-09-11 | 1993-05-04 |
| MCKENZIE, John Hume | Secretary | 1992-08-14 | 1992-09-11 |
| ALMOND, Robert | Director | 2001-03-20 | 2008-12-16 |
| BADOGLIO, Maurizio | Director | 2005-01-31 | 2006-12-29 |
| BAROCELLI, Angelo | Director | 1996-12-20 | 1998-09-23 |
| BLADES, James Newton | Director | 1999-09-01 | 2002-07-31 |
| BLADES, James Newton | Director | 1996-07-10 | 1997-09-15 |
| BODEGA, Charles Anthony | Director | 1993-03-23 | 1996-08-21 |
| BOGGIO, Enrico | Director | 2019-06-10 | 2023-04-03 |
| BREUILS, Alain Jacques | Director | 2007-10-29 | 2009-07-31 |
| CAPELLO, Felice | Director | 1996-07-10 | 2002-04-11 |
| CHIARLE, Guglielmo | Director | 1996-07-10 | 2002-04-11 |
| CHIESA, Sonia | Director | 2004-01-16 | 2005-02-15 |
| DE FICCHY, Gian Luca | Director | 2011-12-05 | 2014-08-28 |
| DOPUDI, Alfio | Director | 1998-09-23 | 2003-11-28 |
| DORIA, Bruno | Director | 1992-09-11 | 1996-07-10 |
| FACCHINI, Pier Francesco | Director | 2002-04-11 | 2003-12-04 |
| FAINA, Andrea | Director | 2014-01-13 | 2018-03-22 |
| GARVIA, Jose Antonio | Director | 2005-01-31 | 2005-04-27 |
| GOLDHAGEN, Adam Roy | Director | 2005-09-15 | 2009-07-27 |
| GONZALES, Maurizio | Director | 2003-11-28 | 2004-09-30 |
| GUASTELLA, Guido | Director | 1999-12-01 | 2000-11-30 |
| HUETTER, Herbert | Director | 2005-01-31 | 2007-09-06 |
| HUMBERSTONE, Andrew John | Director | 2007-11-01 | 2012-08-01 |
| INCISA DELLA ROCCHETTA, Oddone | Director | 2011-03-11 | 2013-03-18 |
| KRISHNAMOORTHY, Sriram, Mr. | Director | 2010-10-06 | 2016-11-30 |
| LAKE, Colin William | Director | 1995-01-24 | 1996-08-01 |
| LANGELLA, Bruno | Director | 2016-10-01 | 2018-09-27 |
| LAZZARO, Luigi | Director | 1992-08-14 | 1993-05-04 |
| MANUELLI, Bernard Jean Marie | Director | 2007-03-15 | 2017-03-16 |
| MATTA, Luigi | Director | 2007-03-15 | 2014-01-13 |
| MERCHIORI, Alberto, Mr. | Director | 2014-10-10 | 2015-09-01 |
| PAPA, Raffaella, Ms. | Director | 2018-03-22 | 2019-06-10 |
| PICCA PICCON, Antonio | Director | 2010-04-08 | 2011-03-11 |
| ROSSOTTO, Camillo | Director | 2009-07-31 | 2010-04-08 |
| SALOMONE, Giulio | Director | 2005-05-18 | 2007-11-07 |
| SMYTH, Geoffrey Joseph | Director | 1997-09-15 | 1999-09-01 |
| TAVOLATO, Francesco | Director | 1996-07-10 | 1999-12-01 |
| THOMAS, Martin Jean-Jacques | Director | 2009-01-08 | 2014-10-10 |
| TOSO, Massimo | Director | 2002-10-01 | 2005-01-31 |
| WILLIAMS, Brian Philip | Director | 2009-07-27 | 2010-08-31 |
| ZANLUNGHI, Steven Michael | Director | 2012-08-01 | 2016-08-19 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Credit Agricole Sa | Corporate entity | Shares 25–50%, Voting 25–50% | 2016-04-06 | Ceased 2024-07-02 |
| Fiat Chrysler Automobiles N.V. | Corporate entity | Shares 25–50%, Voting 25–50% | 2016-04-06 | Ceased 2023-04-03 |
Filing timeline
Last 20 of 218 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-01-03 | AA | accounts | Accounts with accounts type full | |
| 2025-07-30 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2025-03-12 | SH01 | capital | Capital allotment shares | |
| 2024-08-29 | AA | accounts | Accounts with accounts type full | |
| 2024-08-21 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-07-02 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2024-07-02 | PSC08 | persons-with-significant-control | Notification of a person with significant control statement | |
| 2024-07-02 | PSC07 | persons-with-significant-control | Cessation of a person with significant control | |
| 2023-07-15 | AA | accounts | Accounts with accounts type full | |
| 2023-07-04 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-04-05 | CH01 | officers | Change person director company with change date | |
| 2023-04-05 | CH01 | officers | Change person director company with change date | |
| 2023-04-05 | CH01 | officers | Change person director company with change date | |
| 2023-04-04 | AP01 | officers | Appoint person director company with name date | |
| 2023-04-04 | PSC07 | persons-with-significant-control | Cessation of a person with significant control | |
| 2023-04-04 | TM01 | officers | Termination director company with name termination date | |
| 2023-04-03 | CERTNM | change-of-name | Certificate change of name company | |
| 2022-09-27 | AA | accounts | Accounts with accounts type full | |
| 2022-07-18 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2021-11-30 | AD01 | address | Change registered office address company with date old address new address |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 2
- Capital events
- 1
- 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
+52.3%
£173,012,000 £263,567,000
-
Cash
+7.1%
£82,310,000 £88,185,000
-
Net assets
+15.3%
£128,591,000 £148,241,000
-
Employees
+6%
134 142
-
Operating profit
+7%
£103,839,000 £111,129,000
-
Profit before tax
-257.5%
£21,286,000 -£33,529,000
-
Wages
+13.6%
£6,958,000 £7,903,000
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