UK Companies House feature
FIRST RETAIL FINANCE (CHESTER) LTD
Profile
- Company number
- 02964970
- Status
- Active
- Incorporation
- 1994-09-02
- Last accounts made up
- 2025-06-30
- Account category
- FULL
- Primary SIC
- 64999
- Hubs
- UK Fintech
Accounts
Pending extraction
No iXBRL extracted yet for this company.
Audit & accounting basis
From AI-extracted PDF accounts
- Accounting basis
- IFRS
- Reporting scope
- Standalone (parent only)
- Auditor
- Deloitte LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Material uncertainty disclosed
“As described in the future outlook section it is expected that the Company will no longer trade, the Directors do not intend to write any new business, and the intention of the Directors is to place the Company into liquidation as soon as feasible. Therefore the financial statements have been prepared on a basis other than going concern.”
Significant events
- “On 16 June 2025, the Company allotted 454,529 new ordinary shares of £1 each to its immediate parent company Bank of Scotland plc in exchange for the receipt of £454,529. This enabled the Company to repay the Borrowed funds balance owed to Bank of Scotland plc and returned the Company to solvency. There were no other transactions in the year.”
- “The Company ceased to write new business with effect from 1 May 2000. The Directors intend to liquidate the Company as soon as it is practicable.”
Auditor / going-concern / subsidiary information is extracted from the PDF version of the latest annual accounts and is not tagged in iXBRL. About these numbers
People
3 active · 35 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| MULHOLLAND, Alison Elizabeth | Secretary | 2017-11-29 | — | — |
| DAVIDSON, Sean | Director | 2025-12-22 | Dec 1967 | British |
| PRICE, Stephen John, Dr | Director | 2021-11-12 | Jan 1972 | British |
Show 35 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| GITTINS, Paul | Secretary | 2011-11-25 | 2016-09-20 |
| GITTINS, Paul | Secretary | 1994-09-02 | 1995-02-20 |
| JOHNSON, Michelle Antoinette Angela | Secretary | 2016-09-20 | 2017-11-29 |
| LAKIN, Helen Mary | Secretary | 2000-06-01 | 2001-11-30 |
| LOCKWOOD, Angela | Secretary | 2006-06-13 | 2011-11-25 |
| MAYER, Sally | Secretary | 2001-11-30 | 2006-06-13 |
| NIXON, Raymond | Secretary | 1995-02-20 | 2000-05-31 |
| PHILLIPS, Elissa Leah | Secretary | 1996-03-01 | 2001-01-31 |
| SOBO, Femi | Secretary | 2003-05-16 | 2003-12-24 |
| ARMSTRONG, Miranda Clare | Director | 2019-11-07 | 2021-10-01 |
| ASTBURY, Mark Harvey Ayrton | Director | 1996-03-01 | 1996-06-01 |
| BAYLEY, Sara Jayne | Director | 2019-10-10 | 2020-11-02 |
| BENFIELD, Thomas David | Director | 2017-09-06 | 2019-11-07 |
| CADDICK, Simon John | Director | 2015-09-03 | 2025-12-22 |
| CAMPBELL, Ian Peter | Director | 1996-03-01 | 1999-11-25 |
| DOWSON, Andrew Graham | Director | 1996-06-01 | 1996-10-08 |
| FAIRBANK, Stephen | Director | 1996-03-01 | 1999-11-25 |
| GITTINS, Paul | Director | 1994-09-02 | 1996-03-01 |
| HUNTER-BROWN, John Piers | Director | 2015-09-03 | 2017-09-06 |
| HUTCHINSON, Glenn | Director | 2002-04-01 | 2005-09-26 |
| JAMIESON, Paul Nelson | Director | 2005-04-05 | 2015-09-03 |
| JONES, David Charles, Sir | Director | 2000-01-06 | 2001-01-31 |
| KEENS, David Wilson | Director | 2000-01-06 | 2001-01-31 |
| LAKIN, Helen Mary | Director | 1994-09-02 | 1995-04-06 |
| LEAMAN, Andrew Stephen | Director | 1996-07-19 | 2002-12-31 |
| LITTLER, Roy | Director | 1995-11-08 | 1999-11-25 |
| MAYNARD, Kenneth William | Director | 1996-03-01 | 1998-10-23 |
| MEE, Robert James | Director | 1995-11-08 | 2001-01-31 |
| MURRAY, Craig William | Director | 1999-07-22 | 2000-01-06 |
| OAKES, Peter Roy | Director | 1996-03-01 | 2001-11-14 |
| ROWE, Steven Alan | Director | 1995-04-06 | 1996-03-01 |
| ROWLEY, James Edward | Director | 1995-11-08 | 1996-07-19 |
| STEWART, Stephen Keith | Director | 1997-06-27 | 1998-06-19 |
| STUDDS, Bernard Anthony John | Director | 2010-01-04 | 2015-09-03 |
| TRAFFORD, Howard Ian | Director | 2005-09-26 | 2010-01-04 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Bank Of Scotland Plc | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Active |
Filing timeline
Last 20 of 187 total filings
| Date | Type | Category | Description |
|---|---|---|---|
| 2026-01-29 | AA | accounts | accounts with accounts type full |
| 2026-01-14 | CS01 | confirmation-statement | confirmation statement with updates |
| 2025-12-27 | AP01 | officers | appoint person director company with name date |
| 2025-12-24 | TM01 | officers | termination director company with name termination date |
| 2025-06-16 | SH01 | capital | capital allotment shares |
| 2025-05-12 | CH03 | officers | change person secretary company with change date |
| 2025-03-03 | AA | accounts | accounts with accounts type full |
| 2025-01-06 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2024-01-08 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2023-12-08 | AA01 | accounts | change account reference date company current extended |
| 2023-06-13 | AA | accounts | accounts with accounts type full |
| 2023-02-07 | CH01 | officers | change person director company with change date |
| 2023-01-09 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2022-08-31 | AA | accounts | accounts with accounts type full |
| 2022-01-10 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2021-11-18 | AP01 | officers | appoint person director company with name date |
| 2021-10-04 | TM01 | officers | termination director company with name termination date |
| 2021-07-23 | AA | accounts | accounts with accounts type full |
| 2021-01-04 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2020-11-03 | TM01 | officers | termination director company with name termination date |
Credit score
Altman Z″ — composite of working capital, retained earnings, EBIT, and leverage
Credit score requires extracted accounts data.
Activity Score
Filings velocity, capital events, officer churn, accounts trajectory
Activity Score not yet computed for this company.