ARNOLD CLARK FINANCE LIMITED.
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Next accounts due
2026-09-30 (in 4mo)
Last filed for 2024-12-31
Confirmation statement due
2026-08-27 (in 3mo)
Last made up 2025-08-13
Watchouts
None on the register
Cash
£60M
+26.2% vs 2023
Net assets
£218M
+2.2% vs 2023
Employees
795
+4.5% vs 2023
Profit before tax
£6M
-84.7% vs 2023
Net assets
2-year trend · vs Consumer Discretionary median
Accounts
2-year trend · latest reflected 2024-12-31
| Metric | Trend | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Turnover | £537,400,000 | £606,500,000 | |
| Operating profit | £80,100,000 | £52,600,000 | |
| Profit before tax | £40,500,000 | £6,200,000 | |
| Net profit | £30,800,000 | £4,600,000 | |
| Cash | £47,700,000 | £60,200,000 | |
| Total assets less current liabilities | — | — | |
| Net assets | £213,500,000 | £218,100,000 | |
| Equity | £213,500,000 | £218,100,000 | |
| Average employees | 761 | 795 | |
| Wages | £21,700,000 | £23,300,000 |
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 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Operating margin | 14.9% | 8.7% | |
| Net margin | 5.7% | 0.8% | |
| Gearing (liabilities / total assets) | 77.9% | 78.5% | |
| Current ratio | 0.24x | 0.26x | |
| Interest cover | 2.02x | 1.13x |
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
- Deloitte LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“After making enquiries, the Directors consider that the Group has adequate resources to meet its liabilities as they fall due for the foreseeable future. Accordingly, they continue to adopt the going concern basis in preparing the accounts.”
Significant events
- “Early in 2025, we launched our new branding and website arnoldclarkleasing.com. Early indications suggest that this will make a positive contribution to our business and results.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
4 active · 6 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| THORPE, Stuart Kenneth | Secretary | 2013-11-19 | — | — |
| COOPER, David Martin | Director | 2004-04-02 | Jan 1973 | British |
| HAWTHORNE, Edward | Director | 1998-08-01 | Dec 1966 | British |
| HOWIESON, Alan Harry David | Director | 2021-08-30 | Dec 1981 | British |
Show 6 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| KERR, Dugald Ferguson | Secretary | — | 2011-05-27 |
| MCLEAN, Kenneth John | Secretary | 2011-05-27 | 2013-11-19 |
| CLARK, John Arnold | Director | — | 2017-04-10 |
| HARVEY, Mark William Harold | Director | 2020-08-24 | 2021-06-07 |
| MCLEAN, Kenneth John | Director | 2014-08-20 | 2021-12-01 |
| WALLACE, Hugh Dawson | Director | — | 2015-05-19 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Arnold Clark Automobiles Limited | Corporate entity | Shares 75–100% | 2021-12-01 | Active |
| Lady Philomena Butler Clark | Individual | Significant influence | 2016-07-01 | Ceased 2021-12-01 |
| Sir John Arnold Clark | Individual | Significant influence | 2016-07-01 | Ceased 2017-04-10 |
Filing timeline
Last 20 of 125 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2025-08-14 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-06-30 | AA | accounts | Accounts with accounts type full | |
| 2024-10-03 | AA | accounts | Accounts with accounts type full | |
| 2024-08-15 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-09-22 | AA | accounts | Accounts with accounts type full | |
| 2023-08-22 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-09-27 | AA | accounts | Accounts with accounts type full | |
| 2022-08-17 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2021-12-06 | PSC07 | persons-with-significant-control | Cessation of a person with significant control | |
| 2021-12-02 | PSC02 | persons-with-significant-control | Notification of a person with significant control | |
| 2021-12-02 | TM01 | officers | Termination director company with name termination date | |
| 2021-09-23 | AA | accounts | Accounts with accounts type full | |
| 2021-08-30 | AP01 | officers | Appoint person director company with name date | |
| 2021-08-20 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2021-06-10 | TM01 | officers | Termination director company with name termination date | |
| 2020-10-27 | AA | accounts | Accounts with accounts type full | |
| 2020-08-26 | AP01 | officers | Appoint person director company with name date | |
| 2020-08-14 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2019-09-24 | AA | accounts | Accounts with accounts type full | |
| 2019-08-13 | CS01 | confirmation-statement | Confirmation statement with no updates |
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
FY2023 → FY2024 · period ending 2024-12-31 vs 2023-12-31
-
Turnover
+12.9%
£537,400,000 £606,500,000
-
Cash
+26.2%
£47,700,000 £60,200,000
-
Net assets
+2.2%
£213,500,000 £218,100,000
-
Employees
+4.5%
761 795
-
Operating profit
-34.3%
£80,100,000 £52,600,000
-
Profit before tax
-84.7%
£40,500,000 £6,200,000
-
Wages
+7.4%
£21,700,000 £23,300,000
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