FIRST RETAIL FINANCE (CHESTER) LTD
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Next accounts due
2027-03-31 (in 10mo)
Last filed for 2025-06-30
Confirmation statement due
2027-01-18 (in 8mo)
Last made up 2026-01-04
Watchouts
Cash
£0
Latest balance sheet
Net assets
—
Equity attributable
Employees
0
Average over period
Profit before tax
£0
+100% vs 2024
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
Material uncertainty over going concern
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.
Name history
Renamed 2 times since incorporation
- FIRST RETAIL FINANCE (CHESTER) LTD 1995-11-13 → present
- RASHPAL LIMITED 1995-01-13 → 1995-11-13
- I.M. FINANCIAL SERVICES LIMITED 1994-09-02 → 1995-01-13
Net assets
2-year trend · vs Financials median
Accounts
2-year trend · latest reflected 2025-06-30
| Metric | Trend | 2024-06-30 | 2025-06-30 |
|---|---|---|---|
| Turnover | — | — | |
| Operating profit | — | — | |
| Profit before tax | -£2,000 | £0 | |
| Net profit | -£2,000 | £0 | |
| Cash | £0 | £0 | |
| Total assets less current liabilities | — | — | |
| Net assets | -£454,000 | — | |
| Equity | -£454,000 | £0 | |
| Average employees | 0 | 0 | |
| Wages | — | — |
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
Audit & accounting basis
- 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 and subsidiary information is drawn from the narrative of the latest annual accounts. 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 |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 6
- Capital events
- 1
- 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
FY2024 → FY2025 · period ending 2025-06-30 vs 2024-06-30
-
Turnover
—
Not reported
-
Cash
—
Not reported
-
Net assets
—
Not reported
-
Employees
—
Not reported
-
Profit before tax
+100%
-£2,000 £0
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