EVERYDAY LOANS LIMITED
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Next accounts due
2026-09-30 (in 4mo)
Last filed for 2024-12-31
Confirmation statement due
2026-08-23 (in 3mo)
Last made up 2025-08-09
Watchouts
None on the register
Cash
£274K
-20.1% vs 2023
Net assets
£463K
+0.7% vs 2023
Employees
—
Average over period
Profit before tax
—
Period ending 2024-12-31
Name history
Renamed 1 time since incorporation
- EVERYDAY LOANS LIMITED 2006-02-08 → present
- CLOTHCO 05004 LIMITED 2005-08-15 → 2006-02-08
Net assets
2-year trend · vs Industrials median
Accounts
2-year trend · latest reflected 2024-12-31
| Metric | Trend | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Turnover | — | — | |
| Operating profit | — | — | |
| Profit before tax | — | — | |
| Net profit | -£3,000 | £3,000 | |
| Cash | £343,000 | £274,000 | |
| Total assets less current liabilities | — | — | |
| Net assets | £460,000 | £463,000 | |
| Equity | £460,000 | £463,000 | |
| Average employees | — | — | |
| Wages | — | — |
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 |
|---|---|---|---|
| Gearing (liabilities / total assets) | 0.0% | 0.0% |
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
- PKF Littlejohn LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“Given the strong balance sheet and cash position the Directors have a reasonable expectation that the Group and Company have sufficient liquidity to continue to operate for the foreseeable future. Therefore, a going concern basis has been adopted in the preparation of the financial statements.”
Group structure
- EVERYDAY LOANS LIMITED · parent
- Everyday Lending Limited 100%
- George Banco Limited 100%
Significant events
- “ELL launched a new lending system in October 2024.”
- “In April 2024, the ELL Board of Directors approved a new Risk Management Framework, Risk Appetite Statement, key risk indicators (KRIs) and tolerance levels/thresholds. A new risk management system was also selected and launched during the financial year. In October 2024, the ELL Board of Directors dissolved the Audit and Risk Committee and established separate Audit and Risk Committees.”
- “The loan book grew by 3% in 2024 to £211m (2023: £204m).”
- “The Company's investment in subsidiaries became fully written down during 2022. No reversal of impairment on investments was recognised as at 31 December 2024 (2023: none).”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
3 active · 32 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| CUTTER, Christian | Director | 2022-10-04 | Dec 1978 | British |
| GILLESPIE, Jonathan Richard | Director | 2019-12-17 | Nov 1972 | British |
| PEARSON, Christopher John | Director | 2023-02-01 | Jun 1982 | British |
Show 32 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| ANDERSON, Christopher Geoffrey | Secretary | 2013-10-01 | 2016-07-28 |
| ANDERSON, Christopher | Secretary | 2006-07-11 | 2008-11-30 |
| BROADHURST, Philip William | Secretary | 2006-02-03 | 2006-05-05 |
| HOLE, Jonathan | Secretary | 2017-12-01 | 2019-01-04 |
| MALONE, Daniel Martin | Secretary | 2012-11-01 | 2013-09-30 |
| MALONE, Daniel Martin | Secretary | 2006-05-05 | 2006-07-11 |
| NORRIS, Charlotte Anne | Secretary | 2022-10-04 | 2024-03-28 |
| PATEL, Reena | Secretary | 2019-01-23 | 2022-08-12 |
| WAXLER, Raquel | Secretary | 2008-12-01 | 2012-10-31 |
| WHITE, Steven Douglas | Secretary | 2016-07-28 | 2017-12-01 |
| HAY & KILNER SECRETARIES LIMITED | Corporate Secretary | 2005-08-15 | 2006-02-03 |
| ANDERSON, Christopher Geoffrey | Director | 2013-07-15 | 2016-08-02 |
| BOVINGTON, Jason | Director | 2022-10-04 | 2024-02-20 |
| BOWERS, Jonathan Miles | Director | 2012-06-08 | 2016-04-13 |
| CRESSWELL-TURNER, Miles Marius | Director | 2016-06-20 | 2019-10-21 |
| DE BLOCQ VAN KUFFELER, John Philip | Director | 2020-05-19 | 2021-08-31 |
| FLINT, Mareena | Director | 2019-05-01 | 2021-07-15 |
| FORSYTH, Andrew James | Director | 2021-03-26 | 2023-11-07 |
| GILL, Paul | Director | 2019-01-23 | 2022-03-31 |
| GREGSON, Charles Henry | Director | 2022-10-04 | 2023-06-23 |
| HERRATT, Francesca | Director | 2019-05-01 | 2020-12-16 |
| HOWELLS, Marc Richard | Director | 2018-10-17 | 2019-10-01 |
| MALONE, Daniel Martin | Director | 2006-02-03 | 2017-05-12 |
| MARROW, Paul | Director | 2012-06-08 | 2016-04-13 |
| REYNOLDS, Peter Forbes Michael | Director | 2017-10-02 | 2022-05-06 |
| RIDLINGTON, Mark Edward | Director | 2006-04-21 | 2017-05-31 |
| SLADE, Dominic James Haviland | Director | 2006-03-02 | 2006-07-13 |
| TEUNON, Nicholas John | Director | 2016-06-20 | 2020-04-30 |
| WHITE, Steven Douglas | Director | 2016-07-28 | 2020-10-31 |
| WIGGINS, Jonathan Christopher | Director | 2017-06-01 | 2022-06-24 |
| WILLIAMS, Terence Ivan | Director | 2006-04-21 | 2013-07-01 |
| HAY & KILNER DIRECTORS LIMITED | Corporate Director | 2005-08-15 | 2006-02-03 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Mr Daniel Martin Malone | Individual | Significant influence, significant-influence-or-control-as-firm | 2016-08-15 | Ceased 2016-08-15 |
| Mr Steven Douglas White | Individual | Significant influence, significant-influence-or-control-as-firm | 2016-08-15 | Ceased 2016-08-15 |
| Mr Miles Marius Cresswell-Turner | Individual | Significant influence, significant-influence-or-control-as-firm | 2016-08-15 | Ceased 2016-08-15 |
| Mr John Nicholas Teunon | Individual | Significant influence, significant-influence-or-control-as-firm | 2016-08-15 | Ceased 2016-08-15 |
| Mr Mark Edward Ridlington | Individual | Significant influence, significant-influence-or-control-as-firm | 2016-08-15 | Ceased 2016-08-15 |
| Everyday Loans Holdings Limited | Corporate entity | Shares 75–100%, Voting 75–100% | 2016-08-15 | Active |
Filing timeline
Last 20 of 197 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-04-08 | AD01 | address | Change registered office address company with date old address new address | |
| 2026-04-08 | AD01 | address | Change registered office address company with date old address new address | |
| 2025-08-20 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-06-03 | AD01 | address | Change registered office address company with date old address new address | |
| 2025-06-03 | PSC05 | persons-with-significant-control | Change to a person with significant control | |
| 2025-04-25 | AA | accounts | Accounts with accounts type full | |
| 2024-12-16 | CH01 | officers | Change person director company with change date | |
| 2024-08-20 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-05-09 | AA | accounts | Accounts with accounts type full | |
| 2024-04-02 | TM02 | officers | Termination secretary company with name termination date | |
| 2024-02-28 | TM01 | officers | Termination director company with name termination date | |
| 2023-11-22 | TM01 | officers | Termination director company with name termination date | |
| 2023-10-10 | AA | accounts | Accounts with accounts type full | |
| 2023-08-23 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-08-17 | CH01 | officers | Change person director company with change date | |
| 2023-08-17 | PSC05 | persons-with-significant-control | Change to a person with significant control | |
| 2023-07-07 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2023-06-29 | TM01 | officers | Termination director company with name termination date | |
| 2023-02-16 | RP04AP01 | officers | Second filing of director appointment with name | |
| 2023-02-09 | AP01 | officers | Appoint person director company with name date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 5
- 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
FY2023 → FY2024 · period ending 2024-12-31 vs 2023-12-31
-
Turnover
—
Not reported
-
Cash
-20.1%
£343,000 £274,000
-
Net assets
+0.7%
£460,000 £463,000
-
Employees
—
Not reported
Each % is (latest − prior) ÷ |prior| for the line item as filed. The comparison is only shown when the latest and prior accounts cover broadly equal-length periods — short or long stubs (typical around incorporation or a year-end change) are suppressed rather than misrepresented. Lines a company doesn't report are omitted. About these numbers