UK Companies House feature
CARMONEY LIMITED
Profile
- Company number
- SC467274
- Status
- Active
- Incorporation
- 2014-01-13
- Last accounts made up
- 2025-03-31
- Account category
- FULL
- Primary SIC
- 66190
- Hubs
- UK Fintech
Accounts
Pending extraction
No iXBRL extracted yet for this company.
Audit & accounting basis
From AI-extracted PDF accounts
- Accounting basis
- FRS 102
- Reporting scope
- Standalone (parent only)
- Auditor
- Cooper Parry Group Limited
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“At the time of approving the financial statements, the directors have a reasonable expectation that the company has adequate resources to continue in operational existence for the foreseeable future. Thus the directors continue to adopt the going concern basis of accounting in preparing the financial statements.”
Significant events
- “CarMoney was recognised as the 12th fastest growing business in Scotland during the reporting period and won the award for the Fastest Growing Financial and Professional Services Firm by the UK Fast Growth Index.”
- “The business has continued to grow during the period, with a record £309m in loans brokered, revenue grew 14% in the 12 months to 31 December 2024 (for comparative purposes).”
- “The business now employs 193 colleagues, an increase of 81 during the period, as we continue to invest in our people and culture.”
- “CarMoney achieved profit of £5.0m in the period on revenue of £33.8m.”
- “We have further expanded our UK franchise business, franchisees with dedicated operational, compliance and sales support in specific territories across the UK. During the period we added four new franchisees and target representing thirty territories in the coming years.”
- “The success of SilverBullet (sold in 2021), CarMoney and Peter Vardy Limited has proven the Group's ability and expertise in starting and scaling profitable ventures, as we look to the future, we are excited to partner with new companies through investments in our core sectors. Within the Group and associated companies, we are invested in 11 exciting businesses and look forward to making more investments in high growth, profitable businesses, over the coming years.”
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
2 active · 8 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| VARDY, Peter Daniel David | Director | 2014-01-13 | Jun 1978 | British |
| VARDY, Peter, Sir | Director | 2014-01-13 | Mar 1947 | British |
Show 8 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| MAITH, Claire | Secretary | 2014-01-13 | 2018-09-21 |
| REAY, Martin Paul | Secretary | 2018-10-29 | 2019-02-08 |
| BARBER, Christopher Derek | Director | 2020-12-01 | 2021-08-13 |
| HOUSTON, Michael | Director | 2024-05-20 | 2024-09-20 |
| MAITH, Claire Elizabeth | Director | 2021-08-13 | 2024-05-05 |
| MAITH, Claire | Director | 2014-01-13 | 2018-09-21 |
| MCLELLAN, Colin Wilson | Director | 2020-04-01 | 2020-12-16 |
| REAY, Martin Paul | Director | 2018-10-29 | 2019-02-08 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Peter Vardy Holdings Limited | Corporate entity | Shares 75–100%, Voting 75–100% | 2023-12-31 | Active |
| Sir Peter Vardy | Individual | Significant influence | 2016-04-06 | Ceased 2022-04-01 |
| Mrs Claire Elizabeth Maith | Individual | significant-influence-or-control-as-firm | 2016-04-06 | Ceased 2018-09-21 |
| Mr Peter Daniel David Vardy | Individual | Shares 25–50%, Voting 25–50% | 2016-04-06 | Active |
Filing timeline
Last 20 of 69 total filings
| Date | Type | Category | Description |
|---|---|---|---|
| 2026-01-06 | AA | accounts | accounts with accounts type full |
| 2025-09-25 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2025-04-07 | AA01 | accounts | change account reference date company previous extended |
| 2025-01-06 | AA | accounts | accounts with accounts type full |
| 2024-12-12 | MR04 | mortgage | mortgage satisfy charge full |
| 2024-09-30 | CS01 | confirmation-statement | confirmation statement with updates |
| 2024-09-30 | TM01 | officers | termination director company with name termination date |
| 2024-05-23 | AP01 | officers | appoint person director company with name date |
| 2024-05-17 | TM01 | officers | termination director company with name termination date |
| 2024-03-12 | MR01 | mortgage | mortgage create with deed with charge number charge creation date |
| 2024-02-23 | PSC02 | persons-with-significant-control | notification of a person with significant control |
| 2024-02-22 | PSC04 | persons-with-significant-control | change to a person with significant control |
| 2024-01-11 | SH06 | capital | capital cancellation shares |
| 2024-01-11 | SH01 | capital | capital allotment shares |
| 2024-01-11 | SH19 | capital | capital statement capital company with date currency figure |
| 2024-01-11 | SH20 | capital | legacy |
| 2024-01-11 | CAP-SS | insolvency | legacy |
| 2024-01-11 | RESOLUTIONS | resolution | resolution |
| 2024-01-11 | SH03 | capital | capital return purchase own shares |
| 2023-10-18 | CAP-SS | insolvency | legacy |
Credit score
Altman Z″ — composite of working capital, retained earnings, EBIT, and leverage
Credit score requires extracted accounts data.
Activity Score
Composite activity score · components 0–100 · reference 2026-05-10
19.2
COLD
/ 100
- Filings velocity 17
- Capital events 0
- Officer churn 0
- Headcount trajectory 50
- Accounts trajectory 50
- 2 filing(s) in last 12 months