UK Companies House feature
SPECIALIST MOTOR FINANCE LIMITED
Profile
- Company number
- 05544622
- Status
- Active
- Incorporation
- 2005-08-24
- Last accounts made up
- 2024-12-31
- Account category
- FULL
- Primary SIC
- 64921
- Hubs
- UK Fintech
Accounts
Pending extraction
No iXBRL extracted yet for this company.
Audit & accounting basis
From AI-extracted PDF accounts
- Accounting basis
- FRS 102
- Reporting scope
- Standalone (parent only)
- Auditor
- Cooper Parry Group Limited
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“Therefore, the Directors have a reasonable expectation that the company has adequate resources to continue in operational existence for the foreseeable future and accordingly, they have continued to adopt the going concern basis in preparing the financial statements.”
Significant events
- “In October 2024, following a strategic review, the Directors formally made the decision to cease originating new loans and focus the strategy of the business on the successful collection of the outstanding SMF loan book. It is planned to develop a collections business that could attract external consumer loan books and continue to maintain high levels of Conduct, Compliance and Oversight.”
- “On 11 December 2024, the Supreme Court granted Permission to Appeal in the cases of Hopcraft, Wrench and Johnson. On 1 August 2025 the Supreme Court passed their Judgement on the above cases. The Supreme Court rejected the claims of Hopcraft and Wrench, however they have found in favour of Johnson. The Supreme Court found that the commission on Johnson's finance agreement was excessive as it made a substantial part of the financing agreement. Due to the excessive commission and the characteristics of the customer they have ruled that there was an unfair relationship between the broker and the customer. The Financial Conduct Authority ("FCA") have initiated a consultation process on an industry-wide scheme to compensate motor finance customers who were treated unfairly.”
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
3 active · 18 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| GHARIAL, Harsimar | Secretary | 2025-12-24 | — | — |
| HANLON, Patrick | Director | 2020-08-03 | Apr 1961 | Scottish |
| PEARSON, James | Director | 2025-12-01 | Apr 1980 | British |
Show 18 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BUCKLEY, Stephen William | Secretary | 2005-08-24 | 2007-04-04 |
| CLARKE, Adrian Graham | Secretary | 2020-10-15 | 2025-12-24 |
| NAPIER, David Leslie John | Secretary | 2008-01-14 | 2010-07-19 |
| MARTINEAU SECRETARIES LIMITED | Corporate Secretary | 2010-07-19 | 2020-10-15 |
| NORTH WEST REGISTRATION SERVICES (1994) LIMITED | Corporate Secretary | 2005-08-24 | 2005-08-24 |
| PINSENT MASONS SECRETARIAL LIMITED | Corporate Secretary | 2007-05-30 | 2008-01-14 |
| AVIS, Christine Susan | Nominee Director | 2005-08-24 | 2005-08-24 |
| BAYLEY, Simon | Director | 2021-07-05 | 2025-06-23 |
| BROWNING, Robert John | Director | 2008-01-14 | 2008-06-25 |
| BUCKLEY, Stephen William | Director | 2005-08-24 | 2007-04-04 |
| CHALLINOR, David John | Director | 2005-08-24 | 2021-04-14 |
| HUTTON, Gary Ernest | Director | 2017-02-06 | 2017-02-06 |
| HUTTON, Gary Ernest | Director | 2017-02-06 | 2025-12-24 |
| OGDEN, Neil Joseph | Director | 2008-06-25 | 2017-01-16 |
| ROWLEY, James Edward | Director | 2008-02-15 | 2008-06-12 |
| ROWLEY, James Edward | Director | 2005-10-18 | 2008-01-14 |
| TITMUSS, David John | Director | 2005-10-18 | 2006-05-22 |
| WHEATLEY, David John | Director | 2008-06-25 | 2009-01-30 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Specialist Motor Finance Group Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Active |
Filing timeline
Last 20 of 118 total filings
| Date | Type | Category | Description |
|---|---|---|---|
| 2026-03-20 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2026-02-11 | TM01 | officers | termination director company with name termination date |
| 2026-01-13 | TM02 | officers | termination secretary company with name termination date |
| 2026-01-12 | AP03 | officers | appoint person secretary company with name date |
| 2025-12-22 | AP01 | officers | appoint person director company with name date |
| 2025-10-02 | AA | accounts | accounts with accounts type full |
| 2025-07-01 | TM01 | officers | termination director company with name termination date |
| 2025-04-11 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2025-01-07 | AA | accounts | accounts with accounts type full |
| 2024-12-24 | MR01 | mortgage | mortgage create with deed with charge number charge creation date |
| 2024-10-07 | MR01 | mortgage | mortgage create with deed with charge number charge creation date |
| 2024-03-18 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2023-10-03 | AA | accounts | accounts with accounts type full |
| 2023-03-07 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2022-10-04 | AA | accounts | accounts with accounts type full |
| 2022-05-19 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2022-02-10 | TM01 | officers | termination director company with name termination date |
| 2022-01-12 | AP01 | officers | appoint person director company with name date |
| 2022-01-06 | CH01 | officers | change person director company with change date |
| 2021-10-08 | MR01 | mortgage | mortgage create with deed with charge number charge creation date |
Credit score
Altman Z″ — composite of working capital, retained earnings, EBIT, and leverage
Credit score requires extracted accounts data.
Activity Score
Filings velocity, capital events, officer churn, accounts trajectory
Activity Score not yet computed for this company.