WEST ONE LOAN LIMITED
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Next accounts due
2026-09-30 (in 4mo)
Last filed for 2024-12-31
Confirmation statement due
2027-05-12 (in 1y)
Last made up 2026-04-28
Watchouts
None on the register
Cash
£5M
-50.5% lowest in 3 filed years
Net assets
£62M
-3.5% vs 2022
Employees
25
-3.8% vs 2022
Profit before tax
£28M
+2.2% highest in 3 filed years
Net assets
5-year trend · vs Financials median
Accounts
5-year trend · latest reflected 2023-12-31
Latest accounts filed cover 2024-12-31; financial figures currently reflect up to 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 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 | 2021-01-01 | 2021-12-31 | 2022-01-01 | 2022-12-31 | 2023-12-31 |
|---|---|---|---|---|---|---|
| Operating margin | — | 47.1% | — | 51.2% | 42.8% | |
| Net margin | — | 41.4% | — | 47.2% | 42.5% | |
| Return on capital employed | — | 4.2% | — | 7.9% | 7.7% |
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 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.”
Group structure
- WEST ONE LOAN LIMITED · parent
- West One Bridging Limited 100%
- West One Capital Limited 100%
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 and subsidiary information is drawn from the narrative of the latest annual accounts. 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 |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 2
- 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
FY2022 → FY2023 · period ending 2023-12-31 vs 2022-12-31
-
Turnover
+22.1%
£53,592,203 £65,441,075
highest in 3 filed years
-
Cash
-50.5%
£9,170,438 £4,540,768
lowest in 3 filed years
-
Net assets
-3.5%
£63,762,062 £61,554,450
-
Employees
-3.8%
26 25
-
Operating profit
+2.2%
£27,419,986 £28,036,724
highest in 3 filed years
-
Profit before tax
+2.2%
£27,419,986 £28,036,724
highest in 3 filed years
-
Wages
-6.4%
£1,562,924 £1,462,933
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