LOAN MARKET ASSOCIATION
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Next accounts due
2026-09-30 (in 4mo)
Last filed for 2024-12-31
Confirmation statement due
2026-12-05 (in 7mo)
Last made up 2025-11-21
Watchouts
None on the register
Cash
£20M
+12.5% vs 2023
Net assets
£16M
+2.7% vs 2023
Employees
26
+13% vs 2023
Profit before tax
£567K
+5.6% vs 2023
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 | £7,012,150 | £7,046,405 | |
| Operating profit | £90,997 | -£286,348 | |
| Profit before tax | £537,329 | £567,198 | |
| Net profit | £457,399 | £423,938 | |
| Cash | £18,108,182 | £20,363,595 | |
| Total assets less current liabilities | £15,712,307 | £16,136,179 | |
| Net assets | £15,712,174 | £16,136,112 | |
| Equity | £15,712,174 | £16,136,112 | |
| Average employees | 23 | 26 | |
| 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 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Operating margin | 1.3% | -4.1% | |
| Net margin | 6.5% | 6.0% | |
| Return on capital employed | 0.6% | -1.8% | |
| Current ratio | 4.82x | 3.59x |
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 §1A
- Reporting scope
- Standalone (parent only)
- Abridged
- Yes — abridged accounts (limited disclosure)
- Auditor
- BDO LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“In auditing the financial statements, we have concluded that the Directors' use of the going concern basis of accounting in the preparation of the financial statements is appropriate. Based on the work we have performed, we have not identified any material uncertainties relating to events or conditions that, individually or collectively, may cast significant doubt on the Company's ability to continue as a going concern for a period of at least twelve months from when the financial statements are authorised for issue.”
Group structure
- LOAN MARKET ASSOCIATION · parent
- LMA.Automate Limited 1%
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
19 active · 81 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| TMF CORPORATE ADMINISTRATION SERVICES LIMITED | Corporate Secretary | 2009-09-17 | — | — |
| ABRAHAM, Miranda Jane | Director | 2023-09-07 | Nov 1977 | British |
| ANDALIB, Tonmoy | Director | 2023-09-07 | Jan 1983 | British |
| CONSOLI, Giuseppe Gian Luca | Director | 2025-06-30 | May 1989 | British |
| CRAIG, Michael Stephenson | Director | 2019-06-26 | Jan 1975 | British |
| DADO, Jean | Director | 2023-11-21 | Jul 1971 | French |
| DECOURCELLE, Agnes | Director | 2023-11-21 | May 1977 | French |
| DEROY, Laurent | Director | 2017-02-01 | Apr 1965 | French |
| GASTALDI, Alice | Director | 2021-06-30 | Nov 1977 | British,Italian |
| HAAS, Reinhard | Director | 2017-09-22 | May 1966 | German |
| HAGDRUP, Fiona | Director | 2007-01-17 | Dec 1966 | British |
| JARVIS, Naomi Ruth | Director | 2025-09-24 | Jun 1971 | British |
| LAURIE, Douglas Alistair Ewan | Director | 2022-07-07 | Sep 1977 | British |
| LOVGREN, Christopher Michael | Director | 2025-09-24 | Oct 1969 | British |
| LUEHRS, Martin Heinrich | Director | 2019-06-26 | Aug 1978 | German |
| POTOCEAN, Sebastian | Director | 2022-01-27 | Jun 1985 | British |
| SELWAY, Jeremy Richard | Director | 2017-06-28 | Aug 1971 | British |
| SPRAY, Timothy David | Director | 2018-06-19 | Apr 1972 | British |
| STOCHINO, Antonio | Director | 2025-09-24 | Jun 1974 | British |
Show 81 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BROWNLEE, Barbara | Secretary | 1998-10-20 | 1999-04-13 |
| CLIFFORD CHANCE SECRETARIES LIMITED | Corporate Secretary | 1996-11-21 | 2009-09-17 |
| ACHON, Marco Antonio | Director | 2008-07-23 | 2010-09-09 |
| ADAMS, Ian Wallace | Director | 2001-07-10 | 2003-02-05 |
| ADAMS, Richard | Director | 1999-07-15 | 2004-03-02 |
| ALEXANDER, Colin | Director | 2000-02-17 | 2000-10-19 |
| ALEXANDER, Timothy | Director | 2009-04-30 | 2011-02-03 |
| ALEXANDER, Timothy | Director | 2005-03-02 | 2009-03-30 |
| ALFORD, Annette Pamela | Director | 2003-02-25 | 2005-01-10 |
| ALLEN, David Leslie | Director | 2001-03-20 | 2005-01-10 |
| ALLOCCA, Simon John | Director | 2005-09-28 | 2010-08-31 |
| AVNER, Alon | Director | 2008-07-23 | 2009-06-22 |
| BAGGOTT, Ian | Director | 2012-01-24 | 2015-06-02 |
| BAILES, Kim Julie | Director | 2011-09-20 | 2014-06-18 |
| BALAY, Jean-Francois | Director | 2013-06-18 | 2017-01-24 |
| BARCLAY, Neil | Director | 2008-09-11 | 2011-06-29 |
| BARNES, Francesca | Director | 1999-07-15 | 2001-11-20 |
| BARTHELEMY, Annie | Director | 2016-06-29 | 2018-06-04 |
| BASHAM, Richard John | Director | 2005-09-28 | 2017-05-24 |
| BAVEREZ, Stephane | Director | 2005-10-10 | 2010-04-15 |
| BAVEREZ, Stephane | Director | 2003-02-25 | 2005-09-28 |
| BENNETT, Charles Albury George, Mr. | Director | 2009-07-16 | 2020-09-17 |
| BENNETT, Colin Albury George | Director | 1996-12-12 | 1998-04-30 |
| BETTERIDGE, Mark John, Mr. | Director | 2006-07-20 | 2008-04-30 |
| BISHOP, William Michael Frederick | Director | 2008-07-23 | 2012-12-21 |
| BISHOP, William Michael Frederick | Director | 2008-02-21 | 2008-07-03 |
| BISHOP, William Michael Frederick | Director | 2004-07-22 | 2005-01-11 |
| BOEHM, Roland | Director | 2009-07-16 | 2017-09-20 |
| BRIGHT, Henry John William | Director | 2011-07-20 | 2014-06-18 |
| BROWN, Edward Thomas | Director | 2019-09-23 | 2023-07-27 |
| BROWN, Edward Thomas | Director | 2009-07-16 | 2017-08-18 |
| BROWN, Edward Thomas | Director | 2003-07-09 | 2003-07-31 |
| BROWN, Ian | Director | 2001-11-20 | 2003-01-22 |
| BRULE, Ludovic | Director | 2006-11-23 | 2008-07-23 |
| BUNTING, Joseph Maurice | Director | 2000-07-05 | 2000-10-19 |
| BUSUMBRU, Lisa Opoku | Director | 2008-06-12 | 2009-04-30 |
| BUSUMBRU, Lisa Opoku | Director | 2007-05-15 | 2008-05-15 |
| BUTLER, Jonathan Paul | Director | 2019-06-26 | 2025-06-30 |
| BYRNE, Stephen Jude | Director | 2000-02-21 | 2004-03-02 |
| CAPP, Eric Matthew | Director | 2008-09-11 | 2009-11-18 |
| CAROBBI, Francesco | Director | 2009-07-16 | 2012-02-28 |
| CARTLEDGE, Richard Stanley | Director | 2004-04-28 | 2006-10-01 |
| CHAPEL, Jerome | Director | 2010-09-16 | 2012-03-14 |
| CHAPEL, Jerome | Director | 2010-04-22 | 2010-08-31 |
| CLARK, Peter James | Director | 2009-09-17 | 2011-06-29 |
| CLARKE, Peter Francis Craig | Director | 1999-07-28 | 2000-06-15 |
| CONLAN, Charlotte Mary, Anne | Director | 2010-09-16 | 2025-03-21 |
| CONSTANT, Michael Anthony | Director | 2005-09-28 | 2009-06-19 |
| CONWAY, Justin Alan | Director | 2009-07-16 | 2012-04-05 |
| COOKE, Christopher Robert | Director | 1997-07-24 | 1998-07-09 |
| CORRIN, John Richard Lawson | Director | 2008-09-11 | 2012-09-11 |
| COTTRELL, Tim | Director | 2009-09-17 | 2011-04-13 |
| CRAIGEN, Gordon Stuart | Director | 2006-10-23 | 2008-06-30 |
| CRAIGEN, Gordon Stuart | Director | 1999-07-15 | 2005-03-18 |
| CRAWFORD, Philippa Kate | Director | 2012-11-26 | 2013-07-10 |
| DADO, Jean | Director | 2008-07-23 | 2009-06-19 |
| DESIMONE, Jonathan Mark | Director | 2008-02-21 | 2009-06-22 |
| DREW, Ian Frank Edmund | Director | 1998-06-01 | 1999-07-15 |
| DREW, Ian Frank Edmund | Director | 1996-12-12 | 1998-06-01 |
| DUETOFT, Thomas Stefan | Director | 2006-11-23 | 2008-07-23 |
| DUGGAN, Mark Thomas | Director | 1996-12-12 | 1997-10-03 |
| EASTWOOD, Brian Paul | Director | 2007-11-20 | 2008-02-01 |
| EDWARDS, Marketa | Director | 2019-09-23 | 2022-05-04 |
| ELDER, Fergus Patrick | Director | 2006-03-09 | 2006-03-30 |
| ELDER, Fergus Patrick | Director | 2005-03-02 | 2006-02-20 |
| ELDER, Fergus Patrick | Director | 2000-10-19 | 2001-02-20 |
| ELDER, Fergus Patrick | Director | 1996-12-12 | 1997-11-21 |
| ELDER, Fergus Patrick | Director | 1996-11-21 | 1996-12-12 |
| ELKOUBY, Jean-Maurice | Director | 2009-10-14 | 2010-04-15 |
| ELLIOTT, Christopher Anthony | Director | 2000-07-11 | 2003-12-04 |
| ELLIOTT, Christopher Anthony | Director | 1998-07-09 | 2000-07-05 |
| ELUSTONDO, Aitor | Director | 2010-09-16 | 2016-05-10 |
| ELUSTONDO, Aitor | Director | 2009-07-16 | 2010-09-09 |
| EMMOTT, Timothy John | Director | 1998-07-09 | 1999-05-21 |
| FALDO, Stephen Leslie | Director | 2003-04-30 | 2007-06-06 |
| FEWTRELL, David Michael | Director | 1998-11-18 | 2009-11-13 |
| FISHER, Ian James | Director | 1999-07-15 | 2008-07-23 |
| FITZGERALD, Ian James | Director | 2006-03-09 | 2011-12-31 |
| FITZGERALD, Ian James | Director | 2004-07-22 | 2006-02-28 |
| FOGGO, Andrew Gilbert | Director | 2007-10-11 | 2009-02-09 |
| FORBES-NIXON, David | Director | 1996-12-12 | 2001-03-20 |
Ownership
Persons with significant control
Filing timeline
Last 20 of 761 total filings
Material constitutional events — rename, articles re-file, resolution
- 2025-11-25 RESOLUTIONS Resolution
- 2025-11-25 MA Memorandum articles
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-03-09 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2026-03-09 | RP01AP01 | officers | Replacement filing of director appointment with name | |
| 2026-01-09 | TM01 | officers | Termination director company with name termination date | |
| 2026-01-09 | TM01 | officers | Termination director company with name termination date | |
| 2025-11-25 | RESOLUTIONS | resolution | Resolution | |
| 2025-11-25 | MA | incorporation | Memorandum articles | |
| 2025-10-24 | TM01 | officers | Termination director company | |
| 2025-10-23 | TM01 | officers | Termination director company with name termination date | |
| 2025-10-23 | AP01 | officers | Appoint person director company with name date | |
| 2025-10-23 | AP01 | officers | Appoint person director company with name date | |
| 2025-10-23 | AP01 | officers | Appoint person director company with name date | |
| 2025-09-12 | AP01 | officers | Appoint person director company with name date | |
| 2025-09-12 | AP01 | officers | Appoint person director company with name date | |
| 2025-09-12 | TM01 | officers | Termination director company with name termination date | |
| 2025-09-12 | TM01 | officers | Termination director company with name termination date | |
| 2025-09-12 | TM01 | officers | Termination director company with name termination date | |
| 2025-08-01 | AA | accounts | Accounts with accounts type full | |
| 2025-05-01 | AP01 | officers | Appoint person director company with name date | |
| 2025-04-15 | TM01 | officers | Termination director company with name termination date | |
| 2024-12-04 | CS01 | confirmation-statement | Confirmation statement with no updates |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 18
- Capital events
- 0
- Officers appointed
- 4
- 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
FY2023 → FY2024 · period ending 2024-12-31 vs 2023-12-31
-
Turnover
+0.5%
£7,012,150 £7,046,405
-
Cash
+12.5%
£18,108,182 £20,363,595
-
Net assets
+2.7%
£15,712,174 £16,136,112
-
Employees
+13%
23 26
-
Operating profit
-414.7%
£90,997 -£286,348
-
Profit before tax
+5.6%
£537,329 £567,198
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