HOME RETAIL GROUP CARD SERVICES LIMITED
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Next accounts due
2027-11-30 (in 2y)
Last filed for 2026-02-28
Confirmation statement due
2026-09-03 (in 4mo)
Last made up 2025-08-20
Watchouts
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
Material uncertainty over going concern
We draw attention to note 2 to the financial statements which explains that the directors of the company intend to cease trading and therefore do not consider it to be appropriate to adopt the going concern basis of accounting in preparing the financial statements.
Name history
Renamed 2 times since incorporation
- HOME RETAIL GROUP CARD SERVICES LIMITED 2006-10-24 → present
- ARG CARD SERVICES LIMITED 2000-07-10 → 2006-10-24
- INHOCO 2083 LIMITED 2000-06-02 → 2000-07-10
Accounts
Audit & accounting basis
- Accounting basis
- FRS 101
- Reporting scope
- Standalone (parent only)
- Auditor
- Ernst & Young LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Material uncertainty disclosed
“We draw attention to note 2 to the financial statements which explains that the directors of the company intend to cease trading and therefore do not consider it to be appropriate to adopt the going concern basis of accounting in preparing the financial statements.”
Significant events
- “sale of its Argos Card portfolio to NewDay Group Holdings ("NewDay") with beneficial ownership transferring on 28 February 2025”
- “withdrew our MPP product from Argos Financial Services in the year to February 2025, with all remaining balances fully repaid, debt sold or otherwise written down to nil by December 2025.”
- “An application to the regulator to remove all regulatory permissions was submitted in January 2026. Approval of this application is expected in first half of the next financial year, at which point the company will no longer be regulated by the FCA.”
- “the intention is to cease trading within this entity”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
3 active · 30 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| CLARKE, David | Secretary | 2024-03-01 | — | — |
| LARKIN, Michael | Director | 2019-04-15 | May 1969 | Irish |
| MULHALL, Robert Damien | Director | 2024-04-09 | Feb 1974 | Irish |
Show 30 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BENTLEY, Gordon Andrew | Secretary | 2007-04-02 | 2008-01-10 |
| HAMILTON, Deborah Pamela | Secretary | 2014-09-11 | 2016-11-23 |
| HOLMES, Colin John | Secretary | 2000-07-04 | 2007-03-31 |
| MCKELVEY, Penelope Ann | Secretary | 2013-06-28 | 2014-09-11 |
| MCNAUGHTON, Donald Hamish Macleod | Secretary | 2016-11-28 | 2024-03-01 |
| PARKER, Philip Alexander | Secretary | 2008-01-10 | 2013-06-28 |
| A B & C SECRETARIAL LIMITED | Corporate Nominee Secretary | 2000-06-02 | 2000-07-04 |
| ADAMS, David William | Director | 2007-12-03 | 2010-08-02 |
| ARDEN, David Thomas | Director | 2017-02-13 | 2018-03-18 |
| BALL, Gregor Frank | Director | 2005-10-28 | 2015-07-23 |
| BEAUCHAMP, Martyn Joseph | Director | 2015-10-01 | 2017-02-01 |
| BROWN, James Alexander | Director | 2019-08-28 | 2024-03-31 |
| CARLSON, Katherine | Director | 2018-03-18 | 2019-11-28 |
| DAVIS, Donald Fuller | Director | 2010-08-02 | 2011-10-13 |
| DUDDY, Terence | Director | 2000-07-04 | 2004-02-02 |
| FORRESTER, Graeme Campbell | Director | 2019-04-15 | 2019-11-28 |
| FULLER, Neil Frank | Director | 2000-07-04 | 2003-08-29 |
| GRESHAM, Nicholas John | Director | 2003-08-29 | 2007-11-30 |
| GRIFFITHS, Peter Lloyd | Director | 2019-04-15 | 2019-08-27 |
| HEMUS, Mark Christopher | Director | 2015-04-30 | 2019-07-31 |
| HILLIARD, Trevor Martyn | Director | 2001-03-09 | 2003-12-21 |
| JONES, David | Director | 2019-04-15 | 2019-11-28 |
| JONES, Peter John | Director | 2000-07-04 | 2001-03-09 |
| LANGLEY, Ivor Paul | Director | 2006-08-15 | 2010-09-29 |
| MILNE, Alan Douglas | Director | 2004-02-02 | 2006-01-26 |
| MURPHY, Mark Antony | Director | 2015-07-28 | 2015-10-01 |
| TWIGG, David Edward | Director | 2010-10-13 | 2014-06-03 |
| VEITCH, Sally Jane | Director | 2014-04-16 | 2015-04-30 |
| VEITCH, Sally Jane | Director | 2011-10-13 | 2013-03-29 |
| INHOCO FORMATIONS LIMITED | Corporate Nominee Director | 2000-06-02 | 2000-07-04 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Sainsbury's Bank Plc | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-09-16 | Active |
| Home Retail Group (Uk) Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Ceased 2016-09-16 |
Filing timeline
Last 20 of 162 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-05-02 | AA | accounts | Accounts with accounts type full | |
| 2025-08-21 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-08-19 | AD02 | address | Change sail address company with old address new address | |
| 2025-06-18 | AD01 | address | Change registered office address company with date old address new address | |
| 2025-06-13 | AA | accounts | Accounts with accounts type full | |
| 2025-05-01 | PSC05 | persons-with-significant-control | Change to a person with significant control | |
| 2024-10-01 | CH01 | officers | Change person director company with change date | |
| 2024-10-01 | CH01 | officers | Change person director company with change date | |
| 2024-09-04 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-06-13 | AA | accounts | Accounts with accounts type full | |
| 2024-04-11 | AP01 | officers | Appoint person director company with name date | |
| 2024-04-11 | TM01 | officers | Termination director company with name termination date | |
| 2024-03-05 | AP03 | officers | Appoint person secretary company with name date | |
| 2024-03-04 | TM02 | officers | Termination secretary company with name termination date | |
| 2024-02-09 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-08-10 | AA | accounts | Accounts with accounts type full | |
| 2023-07-03 | AD01 | address | Change registered office address company with date old address new address | |
| 2023-04-14 | CH01 | officers | Change person director company with change date | |
| 2023-02-08 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-06-09 | AA | accounts | Accounts with accounts type full |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 6
- Capital events
- 0
- Officers appointed
- 0
- 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
Latest filed period vs the prior one