MERCIA BUSINESS LOANS LIMITED
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Next accounts due
2026-12-31 (in 7mo)
Last filed for 2025-03-31
Confirmation statement due
2026-10-03 (in 5mo)
Last made up 2025-09-19
Watchouts
None on the register
Cash
£1M
-4.9% vs 2024
Net assets
£2M
+67.4% vs 2024
Employees
22
+10% vs 2024
Profit before tax
£627K
+359.1% vs 2024
Name history
Renamed 2 times since incorporation
- MERCIA BUSINESS LOANS LIMITED 2023-11-22 → present
- EV BUSINESS LOANS LIMITED 2012-01-25 → 2023-11-22
- FINANCE SOUTH YORKSHIRE LIMITED 2005-09-19 → 2012-01-25
Net assets
2-year trend · vs Financials median
Accounts
2-year trend · latest reflected 2025-03-31
| Metric | Trend | 2024-03-31 | 2025-03-31 |
|---|---|---|---|
| Turnover | £2,071,172 | £2,876,078 | |
| Operating profit | £70,355 | £561,126 | |
| Profit before tax | £136,487 | £626,593 | |
| Net profit | £136,487 | £626,593 | |
| Cash | £1,267,193 | £1,205,538 | |
| Total assets less current liabilities | £929,996 | £1,556,589 | |
| Net assets | £929,996 | £1,556,589 | |
| Equity | £929,996 | £1,556,589 | |
| Average employees | 20 | 22 | |
| Wages | £1,526,627 | £1,728,892 |
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 | 2024-03-31 | 2025-03-31 |
|---|---|---|---|
| Operating margin | 3.4% | 19.5% | |
| Net margin | 6.6% | 21.8% | |
| Return on capital employed | 7.6% | 36.0% | |
| Gearing (liabilities / total assets) | 27.6% | 29.7% | |
| Current ratio | 3.63x | 1.84x | |
| Interest cover | 2010.14x | 16032.17x |
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 102
- Reporting scope
- Standalone (parent only)
- Auditor
- BDO LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“Based on the overall strength of the Company's balance sheet, together with its forecast future operating and fund management performance, the Directors have a reasonable expectation that the Company is well placed to manage business risks in the current economic environment and has adequate financial resources to continue in operational existence for a period of at least 12 months from the date of approval of these financial statements.”
Group structure
- MERCIA BUSINESS LOANS LIMITED · parent
- EVBL (General Partner EV SME Loans) Limited 100%
- EVBL (General Partner EV SME Loans II) Limited 100%
- EVBL (GP EV SME Loans) LLP 50%
- EVBL (GP EV SME Loans II) LLP 50%
- EVBL (General Partner NPIF Y&H Debt) Limited 100%
- MBL (General Partner NPIF II - Debt YH) Limited 100%
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
4 active · 13 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| DOWNWARD, Clive Graham | Director | 2007-04-01 | Jul 1955 | British |
| GLANFIELD, Martin James | Director | 2016-03-09 | Jan 1959 | British |
| PAYTON, Mark Andrew | Director | 2016-03-09 | Apr 1967 | British |
| TABERNER, Paul Cameron | Director | 2017-05-09 | Oct 1964 | British |
Show 13 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| SIMPSON, Julie | Secretary | 2005-09-19 | 2005-09-28 |
| WALTERS, Trevor | Secretary | 2005-09-28 | 2009-03-10 |
| DIGGINES, Jonathan Brett | Director | 2011-02-03 | 2018-03-26 |
| DINES, Peter Michael | Director | 2019-08-16 | 2023-04-19 |
| GERVASIO, James Ernest Peter | Director | 2005-09-19 | 2005-09-28 |
| GOULBOURN, Anthony Paul | Director | 2005-09-28 | 2017-06-30 |
| LEACH, Brian Rickward | Director | 2005-09-28 | 2009-01-30 |
| MEAD, Matthew Sidney | Director | 2016-03-09 | 2018-05-04 |
| PARSONS, Challans Anthony | Director | 2005-09-28 | 2008-05-29 |
| SIMPSON, Andrew John | Director | 2011-02-03 | 2022-03-31 |
| WALTERS, Trevor | Director | 2005-09-28 | 2009-03-10 |
| WARNER, John | Director | 2005-09-28 | 2009-01-30 |
| WOODHEAD, Michael John | Director | 2005-09-28 | 2011-02-03 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Ev Business Loans Group Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Active |
Filing timeline
Last 20 of 82 total filings
Material constitutional events — rename, articles re-file, resolution
- 2023-11-22 CERTNM Certificate change of name company PDF
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2025-12-15 | AA | accounts | Accounts with accounts type full | |
| 2025-09-22 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-12-10 | AA | accounts | Accounts with accounts type full | |
| 2024-10-02 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-12-04 | AA | accounts | Accounts with accounts type full | |
| 2023-11-22 | CERTNM | change-of-name | Certificate change of name company | |
| 2023-09-21 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-04-19 | TM01 | officers | Termination director company with name termination date | |
| 2022-12-21 | AA | accounts | Accounts with accounts type full | |
| 2022-09-20 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-04-05 | TM01 | officers | Termination director company with name termination date | |
| 2021-11-23 | AA | accounts | Accounts with accounts type full | |
| 2021-09-20 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2021-02-18 | AA | accounts | Accounts with accounts type full | |
| 2020-10-05 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2019-10-16 | AA | accounts | Accounts with accounts type full | |
| 2019-09-19 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2019-08-21 | AP01 | officers | Appoint person director company with name date | |
| 2019-05-16 | CH01 | officers | Change person director company with change date | |
| 2018-10-11 | 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
FY2024 → FY2025 · period ending 2025-03-31 vs 2024-03-31
-
Turnover
+38.9%
£2,071,172 £2,876,078
-
Cash
-4.9%
£1,267,193 £1,205,538
-
Net assets
+67.4%
£929,996 £1,556,589
-
Employees
+10%
20 22
-
Operating profit
+697.6%
£70,355 £561,126
-
Profit before tax
+359.1%
£136,487 £626,593
-
Wages
+13.2%
£1,526,627 £1,728,892
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