ORCHARD FUNDING LIMITED
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Next accounts due
2026-10-31 (in 5mo)
Last filed for 2024-07-31
Confirmation statement due
2026-08-07 (in 3mo)
Last made up 2025-07-24
Watchouts
None on the register
Cash
£3M
+72.1% vs 2021
Net assets
—
Equity attributable
Employees
11
0% vs 2021
Profit before tax
£573K
+10.4% vs 2021
Name history
Renamed 1 time since incorporation
- ORCHARD FUNDING LIMITED 2010-02-19 → present
- DIRECT INSURANCE PREMIUM FINANCE LIMITED 2008-07-25 → 2010-02-19
Profit before tax
3-year trend · vs Financials median
Accounts
3-year trend · latest reflected 2022-07-31
Latest accounts filed cover 2024-07-31; financial figures currently reflect up to 2022-07-31.
| Metric | Trend | 2020-07-31 | 2021-07-31 | 2022-07-31 |
|---|---|---|---|---|
| Turnover | — | £1,571,750 | £1,872,662 | |
| Operating profit | — | £520,576 | £573,721 | |
| Profit before tax | — | £519,242 | £573,207 | |
| Net profit | — | £414,645 | £511,008 | |
| Cash | — | £1,520,056 | £2,616,720 | |
| Total assets less current liabilities | — | — | — | |
| Net assets | — | — | — | |
| Equity | £714,813 | £829,458 | £840,466 | |
| Average employees | — | 11 | 11 | |
| Wages | — | £317,025 | £279,167 |
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 | 2020-07-31 | 2021-07-31 | 2022-07-31 |
|---|---|---|---|---|
| Operating margin | — | 33.1% | 30.6% | |
| Net margin | — | 26.4% | 27.3% | |
| Interest cover | — | 332.00x | 535.69x |
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
- Shipleys LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The financial statements have been prepared on a going concern basis which assumes that the company will be able to continue its operations for the foreseeable future.”
Significant events
- “There was a fraud caused by a fraudulent introducer creating fraudulent credit agreements. This led to a loss of £391,241. This has been included as part of administrative expenses.”
- “Provision has been made for an additional £324,555 of debts from one introducer which has defaulted on repayment during the year.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
4 active · 3 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| MCSHANE, Liam Leo | Secretary | 2015-06-01 | — | — |
| KORENKOVA, Tatiana | Director | 2015-07-21 | Jan 1972 | British |
| STRATFORD, Emmia Louise | Director | 2015-04-01 | May 1982 | British |
| TAKHAR, Ravi | Director | 2008-07-25 | Feb 1965 | British |
Show 3 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| TAKHAR, Raj | Secretary | 2009-10-01 | 2015-01-01 |
| SMITH, Olga | Director | 2013-10-01 | 2015-02-06 |
| TAKHAR, Harbans Singh | Director | 2012-07-26 | 2014-08-01 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Orchard Funding Group Plc | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Active |
Filing timeline
Last 20 of 76 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-04-20 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2025-07-25 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-07-25 | PSC05 | persons-with-significant-control | Change to a person with significant control | |
| 2025-07-07 | AA01 | accounts | Change account reference date company current extended | |
| 2025-04-22 | AA | accounts | Accounts with accounts type full | |
| 2025-04-16 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2024-07-29 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-07-12 | AA | accounts | Accounts with accounts type full | |
| 2024-04-19 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2023-11-07 | AD01 | address | Change registered office address company with date old address new address | |
| 2023-07-25 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-04-25 | AA | accounts | Accounts with accounts type full | |
| 2023-04-20 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2022-07-25 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-04-22 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2022-01-10 | AA | accounts | Accounts with accounts type full | |
| 2021-07-28 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2021-05-07 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2021-05-07 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2021-05-07 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 4
- 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
FY2021 → FY2022 · period ending 2022-07-31 vs 2021-07-31
-
Turnover
+19.1%
£1,571,750 £1,872,662
-
Cash
+72.1%
£1,520,056 £2,616,720
-
Net assets
—
Not reported
-
Employees
0%
11 11
-
Operating profit
+10.2%
£520,576 £573,721
-
Profit before tax
+10.4%
£519,242 £573,207
-
Wages
-11.9%
£317,025 £279,167
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