Liberty Finance Limited
Private Limited Company · Southampton
ActiveUnited KingdomIncorporated 2001Private Limited Company
Financial position
Accounts to 2025-12-31 · GBP · Company accounts
Net assets
£18,295,446
Cash
£1,190,675
Turnover
£16,371,540
Profit / loss
£1,760,103
Current assets
£90,365,675
Creditors < 1 year
£30,839,580
Equity
£18,295,446
Average employees
49
Balance-sheet trend
GBP · companyFinancial statements
Selected figures from the best-ranked available filing for each period. Missing values remain unknown.
Some figures were read by AI from scanned accounts, so small errors are possible. View the filed accounts
| Reported figures | 2025-12-3112 months · Company · AI-read | 2024-12-31Company · AI-read |
|---|---|---|
| Balance sheet | ||
| Net assets | £18,295,446 | £18,335,343 |
| Equity | £18,295,446 | £18,335,343 |
| Share capital | £1,631,766 | £1,631,766 |
| Retained earnings | £16,429,883 | £16,469,780 |
| Assets | ||
| Fixed assets | £2,500,718 | £2,293,085 |
| Intangible assets | £586,585 | £448,820 |
| Property, plant & equipment | £1,914,132 | £1,844,264 |
| Investments | £1 | £1 |
| Current assets | £90,365,675 | £83,968,613 |
| Cash at bank | £1,190,675 | £817,229 |
| Stock | £9,103 | £8,878 |
| Liabilities | ||
| Creditors within one year | £30,839,580 | £24,645,514 |
| Creditors after one year | £43,306,367 | £42,943,841 |
| Provisions | £425,000 | £337,000 |
| Net current assets | £59,526,095 | £59,323,099 |
| Assets less current liabilities | £62,026,813 | £61,616,184 |
| Profit & loss | ||
| Turnover | £16,371,540 | £13,139,400 |
| Cost of sales | £1,705,910 | £1,500,772 |
| Gross profit | £14,665,630 | £11,638,628 |
| Administrative expenses | £6,672,501 | £5,344,386 |
| Operating profit | £7,993,129 | £6,294,242 |
| Interest receivable | £447 | £807 |
| Interest payable | £5,410,027 | £4,464,861 |
| Profit before tax | £2,583,549 | £1,830,188 |
| Tax | £823,446 | £457,386 |
| Profit / loss | £1,760,103 | £1,372,802 |
| Dividends | — | £150,205 |
| Operating costs | ||
| Depreciation | £255,061 | £230,361 |
| Amortisation | £56,553 | £45,005 |
| Operating lease charges | £54,000 | — |
| Audit fees | £20,020 | £16,500 |
| People & pay | ||
| Average employees | 49 | 48 |
| Staff costs | £4,271,378 | £3,738,052 |
| Wages & salaries | £3,447,390 | £3,193,321 |
| Social security costs | £470,011 | £387,859 |
| Pension costs | £353,977 | £156,872 |
| Directors' remuneration | — | £1,041,749 |
| Highest paid director | £359,047 | £318,192 |
| Source evidence | View filing | View filing |
From the accounts
What the accounts for 2025-12-31 say about themselves, read by AI from the scanned filing.
- Principal activity
- The principal activity of the company continued to be that of providing finance to businesses and individuals in the form of hire purchase, leases and loans.
- What it does
- finance · hire purchase · leases · loans · businesses · individuals · UK SMEs (AI keywords)
- The year
- The Company has grown its loan book with total gross book debt increasing to £109.1mn (2024: £98.5mn), an increase of 11%, with borrowings also rising to £71.5mn (2024: £64.9mn), an increase of 10%, reflecting the Board’s desire to grow the loan book sustainably. Adjusted PBT (exceptional items excluded) was £2.7mn (2024: £2.2mn), and the adjusted PBT margin was 17% (2024: 17%) demonstrating consistent operating profitability year on year.
- Outlook
- The Company successfully renewed and extended its funding facilities from £93mn to £115mn which will support the future growth and development of the loan book to support UK SMEs. The Company plans further investment in its IT systems and security to enhance its operational and cyber resilience to protect its customers and enhance the key strengths of the business. The Company remains in a strong position to continue the growth of its loan book and to repay the deferred consideration to the EOT.
- Auditor
- Moore (South) LLP · senior statutory auditor Louise Hastings
- Audit opinion
- Clean (unmodified)
- Ultimate controlling party
- The Liberty Leasing Employee Ownership Trust
- Accounts
- FRS 102
- Approved
- 2026-06-11, signed by Mr A X Clegg, Mr P F Sheedy, Mr A W Cooper
Turnover by segment (2)
- United Kingdom: 16,371,540 (2025-12-31)
- United Kingdom: 13,139,400 (2024-12-31)
Related parties (8)
- MyFundingPartner Limited · wholly owned subsidiary · loan owed at year end; written off during the year · £nil (2024 - £133,162)
- N A Captain · A Captain's wife · loan balance payable by the company · 700,000
- S S L Cooper · A W Cooper's wife · loan balance payable by the company · 75,000
- P Roberts · L Roberts husband · loan balance payable by the company · 40,000
- L James · L James' (Shareholder) husband · loan balance payable by the company · 50,000
- A M Clegg · A X Clegg's father · loan balance payable by the company · 60,000
- S Sheedy · P Sheedy's wife · loan balance payable by the company · 100,000
- Directors · loans advanced; finance receivable outstanding; total income outstanding · Advance £211,687; Finance receivable outstanding £148,616; Total income £31,152; Income outstanding £15,359
Borrowings (3)
- Loan facilities; funding facilities renewed and extended from £93mn to £115mn · £115mn
- Bank overdrafts and loans · 76,345 interest expense
- Block discounting arrangements · 5,169,284 interest expense
Directors' report (4)
- Mr A X Clegg
- Mr P F Sheedy
- Mr A W Cooper
- Mrs L J Roberts
Principal risks (2)
- Credit and fraud risk
- Inadequate security
Secured borrowing
Registered charges, lenders and security interests.
Charges and related records
7 outstanding chargesFixed · created 2024-03-04
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