UK Companies House feature
WEST ONE LOAN LIMITED
Cash
£5M
-50.5% vs 2022
Net assets
£62M
-3.5% vs 2022
Employees
25
-3.8% vs 2022
Profit before tax
£28M
+2.2% vs 2022
Profile
- Company number
- 05385677
- Status
- Active
- Incorporation
- 2005-03-08
- Last accounts made up
- 2024-12-31
- Account category
- FULL
- Primary SIC
- 64922
- Hubs
- UK Fintech
Net assets
5-year trend · vs UK Fintech median
Accounts
5-year trend · latest 2023-12-31
| Metric | Trend | 2021-01-01 | 2021-12-31 | 2022-01-01 | 2022-12-31 | 2023-12-31 |
|---|---|---|---|---|---|---|
| Turnover | — | £27,246,547 | — | £53,592,203 | £65,441,075 | |
| Operating profit | — | £12,830,918 | — | £27,419,986 | £28,036,724 | |
| Profit before tax | — | £12,830,918 | — | £27,419,986 | £28,036,724 | |
| Net profit | — | £11,276,789 | — | £25,280,139 | £27,792,388 | |
| Cash | — | £8,957,238 | — | £9,170,438 | £4,540,768 | |
| Total assets less current liabilities | — | £303,587,250 | — | £347,510,812 | £364,949,589 | |
| Net assets | — | £38,481,923 | — | £63,762,062 | £61,554,450 | |
| Equity | £4,405,134 | £38,481,923 | £38,481,923 | £63,762,062 | £61,554,450 | |
| Average employees | — | 21 | — | 26 | 25 | |
| Wages | — | £1,257,868 | — | £1,562,924 | £1,462,933 |
Values shown as filed in iXBRL accounts. — indicates the figure was not present in the extracted filing (either not filed under that concept or absent from the period). About these numbers
Audit & accounting basis
From AI-extracted PDF accounts
- Accounting basis
- FRS 101
- Reporting scope
- Standalone (parent only)
- Auditor
- PricewaterhouseCoopers LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“As a result, the Directors are satisfied that the Company has adequate resources to continue to operate as a going concern for a period of at least 12 months from the date of this report and have prepared the financial statements on that basis.”
Subsidiaries
- West One Bridging Limited · 100% held · England and Wales · Dormant
- West One Capital Limited · 100% held · England and Wales · Dormant
Significant events
- “In January 2025, Development Finance assets of £120,1744,994 originated by West One Development Finance Limited, were transferred from Giza Property Finance Limited to West One No.3 Limited.”
Auditor / going-concern / subsidiary information is extracted from the PDF version of the latest annual accounts and is not tagged in iXBRL. About these numbers
People
4 active · 10 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| GESTETNER, Emily Henrietta | Director | 2014-08-08 | Apr 1967 | British |
| HOGG, Stephen Andrew | Director | 2019-10-11 | Feb 1982 | British |
| PRESTON, Mark | Director | 2023-04-03 | Feb 1960 | British |
| WATERS, Danny Stephen | Director | 2014-08-08 | Oct 1984 | British |
Show 10 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| KREEGER, Julia Shannon | Secretary | 2005-03-08 | 2009-08-26 |
| TEMPLE SECRETARIES LIMITED | Corporate Nominee Secretary | 2005-03-08 | 2005-03-08 |
| ABRAHAMS, Mark David | Director | 2009-04-01 | 2014-08-08 |
| BHODAY, Sarabjeet Singh | Director | 2011-07-01 | 2015-01-15 |
| HUBERMAN, Paul Laurence | Director | 2012-11-12 | 2014-08-08 |
| KREEGER, David Simon | Director | 2008-03-31 | 2015-11-06 |
| KREEGER, Duncan | Director | 2005-03-08 | 2016-08-09 |
| STEWART, David | Director | 2017-02-06 | 2022-09-02 |
| WASSERMAN, Stephen | Director | 2008-09-01 | 2019-11-08 |
| COMPANY DIRECTORS LIMITED | Corporate Nominee Director | 2005-03-08 | 2005-03-08 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Enra Specialist Finance Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Active |
Filing timeline
Last 20 of 265 total filings
| Date | Type | Category | Description |
|---|---|---|---|
| 2026-04-29 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2025-09-05 | AA | accounts | accounts with accounts type full |
| 2025-04-28 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2024-12-18 | MR01 | mortgage | mortgage create with deed with charge number charge creation date |
| 2024-07-24 | AA | accounts | accounts with accounts type full |
| 2024-05-08 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2023-07-04 | AA | accounts | accounts with accounts type full |
| 2023-05-02 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2023-04-12 | AP01 | officers | appoint person director company with name date |
| 2022-11-24 | TM01 | officers | termination director company with name termination date |
| 2022-08-03 | AA | accounts | accounts with accounts type full |
| 2022-05-03 | CS01 | confirmation-statement | confirmation statement with updates |
| 2022-03-31 | PSC05 | persons-with-significant-control | change to a person with significant control |
| 2021-09-28 | AD01 | address | change registered office address company with date old address new address |
| 2021-08-21 | RESOLUTIONS | resolution | resolution |
| 2021-08-12 | SH01 | capital | capital allotment shares |
| 2021-08-08 | AA | accounts | accounts with accounts type full |
| 2021-05-11 | CS01 | confirmation-statement | confirmation statement with updates |
| 2021-04-12 | PSC05 | persons-with-significant-control | change to a person with significant control |
| 2020-08-28 | AA | accounts | accounts with accounts type full |
Credit score
Altman Z″ (private-firm) · reference 2023-12-31
7.26
SAFE
Altman Z″
- Working capital / Total assets 0.995 × 6.56 = +6.53
- Retained earnings / Total assets 0.000 × 3.26 = +0.00
- EBIT / Total assets 0.076 × 6.72 = +0.51
- Book equity / Total liabilities 0.202 × 1.05 = +0.21
Bands: > 2.6 safe · 1.1–2.6 grey · < 1.1 distress. Z″ is a public-formula baseline, not a substitute for adverse-data signals (CCJs, charges, gazette notices) — those land in a later pass.
Activity Score
Filings velocity, capital events, officer churn, accounts trajectory