FIRST RESPONSE FINANCE LIMITED
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Next accounts due
2026-12-31 (in 7mo)
Last filed for 2025-03-31
Confirmation statement due
2027-05-16 (in 1y)
Last made up 2026-05-02
Watchouts
Cash
£521K
-61.3% vs 2024
Net assets
£46M
-3.2% vs 2024
Employees
320
+4.6% vs 2024
Profit before tax
£14M
-30% vs 2024
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
3 officer resignations in last 12 months
Multiple officers have left the board recently — see the People section for who.
Name history
Renamed 1 time since incorporation
- FIRST RESPONSE FINANCE LIMITED 1998-11-23 → present
- HARDY WAYS LIMITED 1998-05-08 → 1998-11-23
Net assets
2-year trend · vs Financials median
Accounts
2-year trend · latest reflected 2025-03-31
| Metric | Trend | 2024-03-31 | 2025-03-31 |
|---|---|---|---|
| Turnover | £76,242,912 | £87,078,961 | |
| Operating profit | £33,021,582 | £29,584,664 | |
| Profit before tax | £19,654,749 | £13,761,508 | |
| Net profit | £14,737,717 | £10,284,629 | |
| Cash | £1,346,027 | £521,056 | |
| Total assets less current liabilities | £219,819,069 | £250,732,407 | |
| Net assets | £47,021,519 | £45,515,974 | |
| Equity | £47,021,519 | £45,515,974 | |
| Average employees | 306 | 320 | |
| Wages | £14,796,407 | £18,027,707 |
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 | 2024-03-31 | 2025-03-31 |
|---|---|---|---|
| Operating margin | 43.3% | 34.0% | |
| Net margin | 19.3% | 11.8% | |
| Return on capital employed | 15.0% | 11.8% | |
| Gearing (liabilities / total assets) | 85.1% | 87.1% | |
| Current ratio | 1.04x | 1.16x | |
| Interest cover | 2.47x | 1.87x |
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
- Reporting scope
- Standalone (parent only)
- Auditor
- Deloitte LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“After making enquiries, the directors have a reasonable expectation that the Company has adequate resources to continue in operational existence for the foreseeable future being a period of at least twelve months from the date of approval of the financial statements. Accordingly, they continue to adopt the going concern basis in preparing the Annual Report and accounts.”
Significant events
- “In October 2024, the Court of Appeal gave judgment in the cases of Hopcraft, Wrench and Johnson with wide-ranging implications for the legality of historical motor finance commissions which go beyond the regulatory requirements applied by the FCA, and generally understood by market participants, at the time. These cases are currently being appealed in the Supreme Court.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
8 active · 53 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| DUDLEY, Lisa | Secretary | 2022-04-01 | — | — |
| AOKI, Taketo | Director | 2026-04-01 | Aug 1975 | Japanese |
| BRITTON, Jason Kevin | Director | 2017-04-01 | Sep 1971 | British |
| BROUGH, Donald James | Director | 2003-01-15 | Nov 1962 | British |
| ITAMI, Daisaku | Director | 2026-05-01 | Jun 1971 | Japanese |
| MURAI, Tsunehiko | Director | 2025-04-04 | Jan 1967 | Japanese |
| POLLARD, Jonathan | Director | 2007-05-22 | Nov 1972 | British |
| SANDERS, Caerie Megan | Director | 2018-05-24 | Aug 1979 | South African,British |
Show 53 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BLACKSHAW, Steven | Secretary | 2004-05-27 | 2005-03-23 |
| BLACKSHAW, Steven | Secretary | 1999-07-05 | 2000-01-24 |
| CALOTIER, Jaspal | Secretary | 2001-12-14 | 2004-05-27 |
| FELLOWS, John Stewart | Secretary | 2005-12-11 | 2022-03-31 |
| GORDON-BLACKER, Robert Edward | Secretary | 2000-01-24 | 2001-12-14 |
| GORDON-BLACKER, Robert Edward | Secretary | 1998-06-12 | 1999-07-05 |
| SMITH, Daniel Nikolas | Secretary | 2005-03-23 | 2005-12-13 |
| YORK PLACE COMPANY SECRETARIES LIMITED | Corporate Nominee Secretary | 1998-05-08 | 1998-06-12 |
| AKIYAMA, Isamu | Director | 2006-04-18 | 2009-04-17 |
| AKIYAMA, Naoto | Director | 2010-02-25 | 2014-04-01 |
| AKIYOSHI, Masataka | Director | 2021-07-01 | 2025-04-03 |
| BLACKSHAW, Steven | Director | 2005-03-23 | 2017-03-31 |
| CALOTIER, Jaspal | Director | 2001-01-02 | 2004-05-27 |
| FRANK, Jason | Director | 2011-02-01 | 2013-11-01 |
| FUJIOKA, Yoshiyuki | Director | 2009-04-28 | 2012-11-29 |
| GLANCY, John | Director | 2001-01-02 | 2004-04-13 |
| GOUGH, Robert Michael | Director | 2001-01-02 | 2001-12-03 |
| GREEN, Richard Paul | Director | 2004-03-19 | 2005-02-28 |
| HAKEMIAN, John | Director | 1999-12-21 | 2002-06-26 |
| HIRANO, Ikuya | Director | 2014-05-12 | 2016-03-31 |
| HORI, Shuji | Director | 2012-11-29 | 2014-04-01 |
| IKEBA, Taro | Director | 2016-04-01 | 2017-05-31 |
| ISHIDA, Micky | Director | 2017-05-01 | 2020-06-18 |
| ISHIDA, Mitsutaka | Director | 2003-05-14 | 2007-01-23 |
| KATO, Shuichi | Director | 2012-04-01 | 2016-03-31 |
| KATOH, Hiroki | Director | 2020-06-18 | 2025-05-01 |
| KATOU, Mitsugu | Director | 2007-05-22 | 2011-02-01 |
| KAWAKAMI, Tetsuji | Director | 2017-06-14 | 2019-03-31 |
| KONISHI, Toshitaka | Director | 1999-12-21 | 2001-05-21 |
| LYNOTT, Mark | Director | 2016-04-26 | 2018-04-30 |
| MACHIDERA, Hiroshi | Director | 2011-02-01 | 2012-03-31 |
| MAKI, Akio | Director | 2001-07-24 | 2003-05-14 |
| MILLER, Ernest Nicholas John Oxenham | Director | 1999-12-21 | 2004-06-01 |
| MITSUYASU, Akira | Director | 2005-03-23 | 2008-05-01 |
| MURAI, Tsunehiko | Director | 2016-04-01 | 2021-06-30 |
| NAGASHIMA, Hideaki | Director | 2013-11-01 | 2014-04-01 |
| NAGASHIMA, Hideaki | Director | 2008-05-01 | 2011-02-01 |
| NAKANO, Kazuhiro | Director | 2014-05-12 | 2016-04-26 |
| NAKATSUKASA, Eizo | Director | 2004-05-27 | 2005-03-23 |
| NICHOLSON, Michael Alastair George | Director | 1999-12-21 | 2003-09-30 |
| NOMI, Hidenori | Director | 2014-04-01 | 2017-04-30 |
| NOZAWA, Akito | Director | 2019-04-01 | 2023-03-31 |
| OJIMA, Hisayoshi | Director | 2007-05-22 | 2010-02-23 |
| OKAZAKI, Shuichi | Director | 2004-03-19 | 2007-05-22 |
| RAHAMAN, Imtiyaz Jim | Director | 2003-08-20 | 2003-10-15 |
| SHIMIZU, Shintaro | Director | 2023-04-01 | 2026-03-31 |
| TAKEUCHI, Toshiaki | Director | 2025-05-02 | 2026-04-30 |
| UOZUMI, Takashi | Director | 2009-05-19 | 2014-04-30 |
| VALLER, Terence Charles | Director | 1999-06-15 | 1999-09-20 |
| WANLESS, James Bowman | Director | 1998-06-12 | 2004-12-08 |
| YAMAGUCHI, Kiyoshi | Director | 2003-10-15 | 2006-04-18 |
| YOKOMIZU, Shinji | Director | 2001-01-02 | 2004-03-19 |
| YORK PLACE COMPANY NOMINEES LIMITED | Corporate Nominee Director | 1998-05-08 | 1998-06-12 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Itochu Europe Plc | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors, significant-influence-or-control-as-firm | 2016-04-06 | Active |
Filing timeline
Last 20 of 256 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-05-07 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2026-05-07 | AP01 | officers | Appoint person director company with name date | |
| 2026-05-07 | TM01 | officers | Termination director company with name termination date | |
| 2026-04-22 | RP01AP01 | officers | Replacement filing of director appointment with name | |
| 2026-04-10 | CH01 | officers | Change person director company with change date | |
| 2026-04-09 | AP01 | officers | Appoint person director company with name date | |
| 2026-04-09 | TM01 | officers | Termination director company with name termination date | |
| 2025-12-31 | AA | accounts | Accounts with accounts type full | |
| 2025-05-02 | AP01 | officers | Appoint person director company with name date | |
| 2025-05-02 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-05-02 | TM01 | officers | Termination director company with name termination date | |
| 2025-04-07 | AP01 | officers | Appoint person director company with name date | |
| 2025-04-07 | TM01 | officers | Termination director company with name termination date | |
| 2024-10-03 | AD01 | address | Change registered office address company with date old address new address | |
| 2024-07-23 | CH03 | officers | Change person secretary company with change date | |
| 2024-07-16 | AA | accounts | Accounts with accounts type full | |
| 2024-05-08 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-12-28 | AA | accounts | Accounts with accounts type full | |
| 2023-05-08 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-04-04 | AP01 | officers | Appoint person director company with name date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 11
- Capital events
- 0
- Officers appointed
- 2
- Officers resigned
- 3
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 2025-03-31 vs 2024-03-31
-
Turnover
+14.2%
£76,242,912 £87,078,961
-
Cash
-61.3%
£1,346,027 £521,056
-
Net assets
-3.2%
£47,021,519 £45,515,974
-
Employees
+4.6%
306 320
-
Operating profit
-10.4%
£33,021,582 £29,584,664
-
Profit before tax
-30%
£19,654,749 £13,761,508
-
Wages
+21.8%
£14,796,407 £18,027,707
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