UK Companies House feature
CREATION CONSUMER FINANCE LIMITED
Profile
- Company number
- NI032565
- Status
- Active
- Incorporation
- 1997-06-19
- Last accounts made up
- 2024-12-31
- Account category
- FULL
- Primary SIC
- 64921
- Hubs
- UK Fintech
Accounts
Pending extraction
Audit & accounting basis
From AI-extracted PDF accounts
- Accounting basis
- FRS 101
- Reporting scope
- Standalone (parent only)
- Auditor
- Deloitte LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The directors are satisfied that the financial statements have been prepared on a going concern basis taking into account the following: The Company meets its day-to-day working capital requirements through its cash reserves and internal borrowings provided from its immediate parent entity, Creation Financial Services Limited, which in turn has funding framework. agreements with the BNP Paribas SA Group. The directors have made the assumption that the shareholder will continue to fund on this basis. Further information on the Company's borrowings is given in notes 13 and 21. The Company have considered the current economic conditions including but not limited to the 'cost of living crisis', inflation levels and interest rates, and the Company's forecasts and projections, taking account of reasonably possible changes in trading performance, the directors have a reasonable expectation that the company has adequate resources to continue in operational existence for the foreseeable future.”
Significant events
- “On 11 January 2024, the Financial Conduct Authority ('FCA') announced a review of the use of historical discretionary commission arrangements ('DCAs') in the motor finance industry, before they were banned in 2021. In October 2024, the Court of Appeal gave judgement in the cases of Hopcraft, Wrench and Johnson, which had far reaching and potentially unintended implications for the motor finance industry. Appeals to these cases were heard at the Supreme Court, which on 1 August 2025, overturned the Hopcraft and Wrench cases, but upheld the Johnson case. Following the Supreme Court ruling, the FCA consulted on a proposed redress scheme 'CP25/27'on 7 October 2025. Although the scope and design of the scheme are yet to be finalised, it is clear that some level of redress will be payable under the scheme. The expanded scope... has led us to increase our previously held motor finance commissions provision from £5m to £55m.”
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
7 active · 28 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| CARSON, David Maurice | Secretary | 2016-04-01 | — | — |
| HUNT, Stephen Andrew Robert | Director | 2007-03-30 | Feb 1967 | British |
| MOORTHY, Lakshmi Krishna | Director | 2021-10-01 | Dec 1973 | British |
| PARAUD, Ethel | Director | 2021-10-01 | Aug 1968 | French |
| RAYNAUD, Anais | Director | 2023-10-25 | Jun 1978 | French |
| REDFERNE, Mike | Director | 2023-06-30 | Nov 1959 | British |
| VERCRUYSSE, Gaetan Benoit | Director | 2026-04-01 | Jan 1970 | Belgian |
Show 28 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| FARMER, Geoffrey | Secretary | 1997-06-19 | 2007-03-30 |
| HOLMES, Robert David | Secretary | 2007-03-30 | 2008-05-09 |
| MCCULLOGH, John Stewart | Secretary | 2007-03-30 | 2016-03-31 |
| ANTIGLIO, Xavier | Director | 2016-04-01 | 2017-12-19 |
| CABACA, Antonio Miguel | Director | 2018-12-19 | 2021-03-01 |
| CAVELIER, Benoit Patrice Stephane, Monsieur | Director | 2015-02-16 | 2018-06-26 |
| CHARLES, Jean Pierre | Director | 2022-05-05 | 2023-05-31 |
| CHARLES, Jean Pierre | Director | 2006-05-15 | 2013-01-23 |
| DARRIGADE, Jacques | Director | 2013-01-30 | 2015-02-16 |
| DE KORVER, Marc | Director | 2019-03-14 | 2022-02-18 |
| DEAKIN, Tony | Director | 2015-02-16 | 2016-05-12 |
| DILLY, Benoit Claude, Monsieur | Director | 2015-02-16 | 2017-12-19 |
| DOWNEY, Samuel | Director | 1997-06-19 | 2007-06-30 |
| DOYLE, Joseph | Director | 1997-06-19 | 1999-11-05 |
| ELLIOTT, Paul Andrew | Director | 1997-06-19 | 2007-03-30 |
| FARMER, Geoffrey Mark | Director | 2002-04-30 | 2007-08-24 |
| FAVRE, Martin Francois Lazare | Director | 2019-06-17 | 2022-01-11 |
| GRIFFIN, Marielle Laure | Director | 2017-12-19 | 2021-10-01 |
| MAKARITIS, Stavros | Director | 2007-03-30 | 2013-03-11 |
| RENNISON, Gordon | Director | 2007-03-30 | 2015-02-16 |
| SNYMAN, Johannes Jacobus | Director | 2017-03-31 | 2020-08-31 |
| TRAISNEL, Solange Magali Josiane, Mlle | Director | 2013-01-30 | 2015-02-16 |
| UPPAL, Jetinder Singh | Director | 2015-02-16 | 2018-12-19 |
| VAN GROENENDAEL, Alain Carmelo, Monsieur | Director | 2015-02-16 | 2015-08-20 |
| VERSTRAETEN, Anne Marie Odile Albertine | Director | 2018-06-01 | 2020-02-20 |
| VERVENNE, Bart | Director | 2023-06-28 | 2025-04-25 |
| WILSON, Nigel David | Director | 1997-06-19 | 1999-11-05 |
| ZEITOUN, Gilles | Director | 2017-12-19 | 2018-12-19 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Creation Financial Services Limited | Corporate entity | Shares 75–100% | 2016-04-06 | Active |
Filing timeline
Last 20 of 164 total filings
| Date | Type | Category | Description |
|---|---|---|---|
| 2026-04-14 | AP01 | officers | appoint person director company with name date |
| 2026-01-28 | AA | accounts | accounts with accounts type full |
| 2025-06-30 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2025-05-09 | TM01 | officers | termination director company with name termination date |
| 2024-12-31 | AA | accounts | accounts with accounts type full |
| 2024-07-01 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2023-10-31 | AP01 | officers | appoint person director company with name date |
| 2023-07-14 | AP01 | officers | appoint person director company with name date |
| 2023-07-07 | AA | accounts | accounts with accounts type full |
| 2023-06-30 | AP01 | officers | appoint person director company with name date |
| 2023-06-27 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2023-06-07 | TM01 | officers | termination director company with name termination date |
| 2022-10-05 | AA | accounts | accounts with accounts type full |
| 2022-07-26 | CH01 | officers | change person director company with change date |
| 2022-06-30 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2022-05-09 | AP01 | officers | appoint person director company with name date |
| 2022-02-28 | TM01 | officers | termination director company with name termination date |
| 2022-01-24 | TM01 | officers | termination director company with name termination date |
| 2021-10-13 | AP01 | officers | appoint person director company with name date |
| 2021-10-12 | TM01 | officers | termination director company with name termination date |
Credit score
Altman Z″ — composite of working capital, retained earnings, EBIT, and leverage
Activity Score
Filings velocity, capital events, officer churn, accounts trajectory