BRIDGING FINANCE LIMITED
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Next accounts due
2027-03-31 (in 10mo)
Last filed for 2025-06-30
Confirmation statement due
2027-03-15 (in 10mo)
Last made up 2026-03-01
Watchouts
None on the register
Cash
£388K
+13.1% vs 2024
Net assets
—
Equity attributable
Employees
0
Average over period
Profit before tax
£68K
-63% vs 2024
Profit before tax
2-year trend · vs Financials median
Accounts
2-year trend · latest reflected 2025-06-30
| Metric | Trend | 2024-06-30 | 2025-06-30 |
|---|---|---|---|
| Turnover | £1,120,000 | £989,000 | |
| Operating profit | £667,000 | £349,000 | |
| Profit before tax | £184,000 | £68,000 | |
| Net profit | £120,000 | £4,000 | |
| Cash | £343,000 | £388,000 | |
| Total assets less current liabilities | — | — | |
| Net assets | — | — | |
| Equity | £10,065,000 | £10,069,000 | |
| 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
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2024-06-30 | 2025-06-30 |
|---|---|---|---|
| Operating margin | 59.6% | 35.3% | |
| Net margin | 10.7% | 0.4% | |
| Interest cover | 2.02x | 0.69x |
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 101
- Reporting scope
- Standalone (parent only)
- Auditor
- Ernst & Young LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The Board of Together Financial Services Limited has confirmed that it will continue to provide liquidity and funding to the Company for the going concern assessment period ending 25 September 2026, which is 12 months from the date of this report.”
Significant events
- “As at 30 June 2025, the Company's non securitised assets, along with those of the TFSL Group's non securitised assets were subject to a fixed and floating charge in respect of £950.0m Senior Secured Notes (30 June 2024: £950.0m) and £nil in respect of the revolving credit facility (30 June 2024: £nil).”
- “There are no post balance sheet events to report.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
4 active · 22 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| HANKIN, Andrew Anthony | Secretary | 2025-03-13 | — | — |
| ADAMS, Christopher Mark | Director | 2024-10-17 | Mar 1986 | British |
| BECKETT, Gary Derek | Director | 2001-03-06 | Jan 1969 | British |
| MOSER, Henry Neville | Director | 1996-03-01 | Sep 1949 | British |
Show 22 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BECKETT, Gary Derek | Secretary | 2013-12-06 | 2016-04-27 |
| BECKETT, Gary Derek | Secretary | 1998-08-06 | 2006-04-05 |
| BLAKE, Sarah Elizabeth | Secretary | 2017-04-12 | 2025-03-13 |
| DALE, Nigel Andrew | Secretary | 2016-04-27 | 2017-04-12 |
| MATTHEWS, David Steven | Secretary | 1996-03-01 | 1996-03-01 |
| RICHARDS, Martin Basil | Secretary | 1996-03-01 | 1998-08-06 |
| RIDLEY, Matthew John | Secretary | 2006-04-05 | 2013-12-06 |
| BAGULEY, Christopher John | Director | 2008-06-05 | 2013-01-30 |
| BAKER, Stephen Paul | Director | 2008-07-02 | 2016-04-27 |
| BEAN, Stuart | Director | 2008-06-05 | 2010-08-03 |
| BOWSER, Wayne | Director | 2016-03-24 | 2021-05-25 |
| GOLDBERG, Marc Richard | Director | 2001-03-02 | 2025-06-30 |
| GRIMES, Gerald Michael | Director | 2020-05-20 | 2024-03-15 |
| HACKING, Christopher William | Director | 2000-09-01 | 2001-11-07 |
| JENNISON, Gary Antony | Director | 2013-10-04 | 2015-09-30 |
| LAWTON, Andrew Geoffrey | Director | 2008-06-05 | 2010-08-03 |
| MCTIGHE, Robert Michael | Director | 2016-04-27 | 2021-05-25 |
| PUNSHON, Colin John | Director | 1996-03-01 | 1998-06-16 |
| RICHARDS, Martin Basil | Director | 1998-08-06 | 2000-09-01 |
| RIDLEY, Matthew John | Director | 2007-07-27 | 2010-08-03 |
| SEABRIDGE, David John | Director | 2001-09-03 | 2002-11-01 |
| TAYLOR, Helga Clare | Director | 2016-03-24 | 2019-01-08 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Together Financial Services Limited | Corporate entity | Shares 75–100%, Voting 75–100% | 2016-04-06 | Active |
Filing timeline
Last 20 of 160 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-03-02 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-10-13 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2025-10-03 | AA | accounts | Accounts with accounts type full | |
| 2025-07-01 | TM01 | officers | Termination director company with name termination date | |
| 2025-06-11 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2025-03-17 | TM02 | officers | Termination secretary company with name termination date | |
| 2025-03-17 | AP03 | officers | Appoint person secretary company with name date | |
| 2025-03-03 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-11-08 | AA | accounts | Accounts with accounts type full | |
| 2024-10-24 | AP01 | officers | Appoint person director company with name date | |
| 2024-07-30 | CH03 | officers | Change person secretary company with change date | |
| 2024-04-15 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2024-03-18 | TM01 | officers | Termination director company with name termination date | |
| 2024-03-01 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-11-22 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2023-11-22 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2023-11-22 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2023-11-22 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2023-11-22 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2023-11-22 | MR04 | mortgage | Mortgage satisfy charge full |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 5
- Capital events
- 0
- Officers appointed
- 0
- 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
-11.7%
£1,120,000 £989,000
-
Cash
+13.1%
£343,000 £388,000
-
Net assets
—
Not reported
-
Employees
—
Not reported
-
Operating profit
-47.7%
£667,000 £349,000
-
Profit before tax
-63%
£184,000 £68,000
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