RCI FINANCIAL SERVICES LIMITED
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Next accounts due
2026-09-30 (in 4mo)
Last filed for 2024-12-31
Confirmation statement due
2027-01-29 (in 8mo)
Last made up 2026-01-15
Watchouts
None on the register
Cash
£1M
+6.4% vs 2023
Net assets
£214M
+2.1% vs 2023
Employees
286
+3.2% vs 2023
Profit before tax
£5M
-87.2% vs 2023
Name history
Renamed 2 times since incorporation
- RCI FINANCIAL SERVICES LIMITED 2007-03-01 → present
- NISSAN FINANCE (GB) LIMITED 1997-02-06 → 2007-03-01
- SHELLGROVE LIMITED 1997-01-15 → 1997-02-06
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 | £258,264,000 | £338,420,000 | |
| Operating profit | — | — | |
| Profit before tax | £35,873,000 | £4,598,000 | |
| Net profit | £29,834,000 | £3,586,000 | |
| Cash | £1,206,000 | £1,283,000 | |
| Total assets less current liabilities | — | — | |
| Net assets | £209,602,000 | £213,972,000 | |
| Equity | £209,602,000 | £213,972,000 | |
| Average employees | 277 | 286 | |
| Wages | £15,035,000 | £16,055,000 |
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 |
|---|---|---|---|
| Net margin | 11.6% | 1.1% | |
| Gearing (liabilities / total assets) | 97.1% | 97.5% |
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
- IFRS (FRS 101)
- Reporting scope
- Standalone (parent only)
- Auditor
- Forvis Mazars LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The Directors are confident that the company will have sufficient funds to continue to meet its liabilities as they fall due for at least 12 months from the date of approval of the financial statements and therefore have prepared the financial statements on a going concern basis.”
Group structure
- RCI FINANCIAL SERVICES LIMITED · parent
- Cars Alliance 2015 Limited
- Cars Alliance UK Master
Significant events
- “On 11 January 2024, the FCA announced a review of historic motor finance commission arrangements within the UK motor finance market.”
- “Following the Court of Appeal ruling on 25 October 2024 amendments were signed in Q4 2024 for both transactions which waive against potential breaches relating to commission disclosure and indemnifies the SPV in case RCI FS does not repurchase impacted receivables or fulfil any remediation owing to customers.”
- “There were various developments linked to the Motor Finance Commission topic, including confirmation of the hearing dates at the Supreme Court in April 2025 and further statements by the FCA, the latest on 11 March 2025, clarifying some of the next steps in their investigation.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
5 active · 42 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| MANLEY, Helena Louise | Secretary | 2021-03-05 | — | — |
| BENOY, David Andrew | Director | 2025-12-16 | Mar 1984 | British |
| GELLE, Vincent | Director | 2024-10-16 | Jan 1978 | French |
| LOUISOR, Julien Arnaud Georges | Director | 2020-07-22 | Jul 1983 | French |
| WILLIAMS, Brian Philip | Director | 2025-01-13 | Aug 1965 | British |
Show 42 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| DICKEY, Peter | Secretary | 1997-01-16 | 1999-06-02 |
| HONEYBALL, William | Secretary | 1999-06-02 | 2002-06-30 |
| JOUHAL, Sukhraj | Secretary | 2015-05-20 | 2021-03-05 |
| OVERLAND, Nicholas Anthony | Secretary | 2002-06-30 | 2005-12-01 |
| SCHNEIDER, Frederic | Secretary | 2005-12-01 | 2009-10-02 |
| SHIPTON, Suzette Gemma | Secretary | 2012-08-01 | 2015-04-14 |
| WALKDEN, Ruth | Secretary | 2009-10-02 | 2012-08-01 |
| COMBINED SECRETARIAL SERVICES LIMITED | Corporate Nominee Secretary | 1997-01-15 | 1997-01-16 |
| ALTEMAIRE, Alice | Director | 2019-06-28 | 2024-12-13 |
| ALTEMAIRE, Alice | Director | 2012-10-29 | 2016-08-01 |
| ANRAKU, Kanemitsu | Director | 1997-07-02 | 1999-06-02 |
| BANFIELD, Malcolm John | Director | 2015-01-01 | 2018-02-05 |
| BEAUFILS, Pierre-Yves | Director | 2021-07-01 | 2024-02-26 |
| BOSLEY, William Oliver | Director | 2004-03-01 | 2007-07-19 |
| BOUCHARA, Roland Ernest | Director | 2009-10-02 | 2012-02-06 |
| BREUILS, Alain | Director | 1999-06-06 | 2004-09-09 |
| CABRIER, Patrice Andre | Director | 2004-09-09 | 2016-04-26 |
| CAROLIN, Brian | Director | 1998-07-01 | 2004-03-01 |
| CLAUDE, Patrick Jean Michel | Director | 2014-10-01 | 2018-03-09 |
| DICKEY, Peter | Director | 1997-01-16 | 1997-03-24 |
| FRIGO, Gary Michael | Director | 2006-11-01 | 2008-04-01 |
| GOWLER, Stephen Michael | Director | 2002-06-30 | 2016-11-01 |
| HEAFFEY, Alan Robert | Director | 2015-01-01 | 2018-06-14 |
| HONEYBALL, William | Director | 1997-02-03 | 2002-06-30 |
| HUMBERT, Gaelle | Director | 2009-10-02 | 2012-09-20 |
| ISHII, Hideo | Director | 1997-07-02 | 1998-06-30 |
| JONES, Gareth David | Director | 2009-10-02 | 2011-01-20 |
| LABAUGE, Jean-Louis | Director | 2016-11-01 | 2021-07-01 |
| LEGOFF, Francoise Patricia Germaine | Director | 1999-06-02 | 2009-10-02 |
| MCEVOY, Peter | Director | 2016-08-01 | 2020-07-22 |
| MIHARA, Seiichi | Director | 1997-01-16 | 1998-06-26 |
| RAMIREZ, Kenneth Alexander | Director | 2013-02-01 | 2014-12-31 |
| ROSSINI, Enrico | Director | 2018-03-09 | 2019-06-28 |
| SABATIER, Xavier | Director | 2024-03-25 | 2024-10-16 |
| SAGGERS, Michael Terry | Director | 1997-01-15 | 1997-01-16 |
| SHIMOOKA, Tetssuya | Director | 1997-03-24 | 1997-06-30 |
| SPIELREIN, Eric Jean | Director | 2009-10-02 | 2014-10-01 |
| SYBORD, Thierry Michel Joseph | Director | 2012-09-20 | 2013-02-01 |
| TAKAGI, Koichi | Director | 1997-03-24 | 1997-05-21 |
| TSUKIMOTO, Yasaku | Director | 1998-07-01 | 1999-06-02 |
| WILLCOX, Paul Anthony | Director | 2009-10-02 | 2012-09-20 |
| WRIGHT, James | Director | 2012-09-20 | 2014-12-31 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Rci Banque Sa | Corporate entity | Shares 75–100% | 2017-01-15 | Active |
| Renault Sas | Corporate entity | significant-influence-or-control-as-firm | 2017-01-15 | Active |
Filing timeline
Last 20 of 208 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-01-15 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-12-18 | AP01 | officers | Appoint person director company with name date | |
| 2025-10-06 | AA | accounts | Accounts with accounts type full | |
| 2025-01-16 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-01-14 | AP01 | officers | Appoint person director company with name date | |
| 2024-12-16 | TM01 | officers | Termination director company with name termination date | |
| 2024-10-17 | AP01 | officers | Appoint person director company with name date | |
| 2024-10-17 | TM01 | officers | Termination director company with name termination date | |
| 2024-06-24 | AA | accounts | Accounts with accounts type full | |
| 2024-04-02 | AP01 | officers | Appoint person director company with name date | |
| 2024-02-26 | TM01 | officers | Termination director company with name termination date | |
| 2024-01-15 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-07-17 | AA | accounts | Accounts with accounts type full | |
| 2023-01-18 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-06-20 | AA | accounts | Accounts with accounts type full | |
| 2022-06-17 | CH01 | officers | Change person director company with change date | |
| 2022-01-17 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2021-10-13 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2021-09-29 | CH01 | officers | Change person director company with change date | |
| 2021-08-11 | AA | accounts | Accounts with accounts type full |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 3
- Capital events
- 0
- Officers appointed
- 1
- 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
+31%
£258,264,000 £338,420,000
-
Cash
+6.4%
£1,206,000 £1,283,000
-
Net assets
+2.1%
£209,602,000 £213,972,000
-
Employees
+3.2%
277 286
-
Profit before tax
-87.2%
£35,873,000 £4,598,000
-
Wages
+6.8%
£15,035,000 £16,055,000
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