UK Companies House feature
VG CONSUMER FINANCE LIMITED
Profile
- Company number
- 13386385
- Status
- Active
- Incorporation
- 2021-05-11
- Last accounts made up
- 2025-06-28
- Account category
- FULL
- Primary SIC
- 64921
- Hubs
- UK Fintech
Accounts
Pending extraction
Audit & accounting basis
From AI-extracted PDF accounts
- Accounting basis
- FRS 101 Reduced Disclosure Framework
- Reporting scope
- Standalone (parent only)
- Auditor
- MHA
- Audit opinion
- Unqualified (clean)
- Going concern
- Material uncertainty disclosed
“The Directors consider the going concern of VG Consumer Finance Limited ("VGCF") to be dependent on continued group support from The Very Group Limited ("TVGL") for the next 12 months from the approval date of this report. Shop Direct Finance Company Limited ("SDFC") has also indicated its intention to not recall or demand any repayment of the balances due to SDFC as at 28 June 2025, except that insofar as the funds of the company permit repayment and that such repayment will not adversely affect the ability of the company to carry on its business operations as a going concern.”
Significant events
- “On 10 November 2025, The Very Group Limited announced the completion of a transaction under which global investment firm Carlyle became the Group's owner by acquiring 100% of its share capital. As a result of the change of ownership, The Barclay family directors no longer sit on the Group's boards.”
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
4 active · 4 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| FRANKLIN, Timothy Alan | Director | 2022-01-06 | Sep 1961 | British |
| MCBRIEN, Nicholas John | Director | 2024-05-31 | Nov 1976 | British |
| NICHOLSON, Julie | Director | 2023-04-21 | Apr 1965 | British |
| STRAN, Garry George | Director | 2025-12-08 | Oct 1965 | British |
Show 4 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BANKS, Richard Lee | Director | 2021-05-11 | 2023-01-31 |
| JORDAN, Thomas Peter | Director | 2021-05-11 | 2024-05-31 |
| KERSHAW, David Wallace | Director | 2021-05-11 | 2025-11-11 |
| SHAPLAND, Alexander John | Director | 2021-05-11 | 2025-09-30 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Shop Direct Group Financial Services Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2021-05-11 | Active |
Filing timeline
Last 20 of 22 total filings
| Date | Type | Category | Description |
|---|---|---|---|
| 2026-05-08 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2026-02-24 | AA | accounts | accounts with accounts type full |
| 2025-12-10 | AP01 | officers | appoint person director company with name date |
| 2025-12-05 | MA | incorporation | memorandum articles |
| 2025-12-02 | RESOLUTIONS | resolution | resolution |
| 2025-11-13 | TM01 | officers | termination director company with name termination date |
| 2025-10-08 | TM01 | officers | termination director company with name termination date |
| 2025-05-09 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2025-03-25 | AA | accounts | accounts with accounts type full |
| 2024-06-03 | AP01 | officers | appoint person director company with name date |
| 2024-06-03 | TM01 | officers | termination director company with name termination date |
| 2024-05-17 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2024-01-11 | AA | accounts | accounts with accounts type full |
| 2023-05-10 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2023-05-04 | AP01 | officers | appoint person director company with name date |
| 2023-02-23 | TM01 | officers | termination director company with name termination date |
| 2023-01-05 | AA | accounts | accounts with accounts type full |
| 2022-05-06 | CS01 | confirmation-statement | confirmation statement with updates |
| 2022-01-31 | AP01 | officers | appoint person director company with name date |
| 2021-06-17 | CS01 | confirmation-statement | confirmation statement with updates |
Credit score
Altman Z″ — composite of working capital, retained earnings, EBIT, and leverage
Activity Score
Filings velocity, capital events, officer churn, accounts trajectory