INTERNATIONAL PERSONAL FINANCE PLC

26 WHITEHALL ROAD, LEEDS, LS12 1BE

Company Number: 06018973
Incorporation date: 05-Dec-2006
Status: Active
Entity type: Public Limited Company

SIC codes:
64921 Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors





SUMMARY

This company is 17.3 years old and is currently active. The company has positive equity (net assets) of GBP 436.4 million which has decreased from the previous year's figure of GBP 436.4 million. The latest reported revenue figure is GBP 889.1 million which is similar to the previous year's figure of GBP 889.1 million. The company has 8 active officers (directors or partners) who are or were officers of 59 other companies, 7 (11.9%) of which have since been dissolved or are proposed for strike off. The company has no public disputes filed on the Business Disputes Register. There are no court cases involving the company that we are aware of.


FINANCIALS (BETA)

Next accounts due: 30-Jun-2024
Accounts Filed: GROUP (31-Dec-2022)


P&L Financials:
Year end Currency Revenue Operating profit Interest Received Interest Paid Tax Net Profit GBP
26-Feb-2020 GBP 889,100,000 63,500,000
31-Dec-2019 GBP 889,100,000 63,500,000
31-Dec-2018 GBP 1,000,000 2,000,000
31-Dec-2017 GBP 825,800,000 55,200,000 -700,000


Balance Sheet Financials:
Year end Currency Cash Current Assets Current Liabilities Debt Share Capital Premium Reserve Retained Earnings Net Assets
26-Feb-2020 GBP 37,400,000 783,000,000 291,800,000 112,700,000 23,400,000 2,300,000 470,300,000 436,400,000
31-Dec-2019 GBP 37,400,000 783,000,000 291,800,000 112,700,000 23,400,000 2,300,000 470,300,000 436,400,000
31-Dec-2018 GBP 46,600,000 992,800,000 209,600,000 28,800,000 23,400,000 2,300,000 424,200,000 433,000,000
31-Dec-2017 GBP 27,400,000 1,056,900,000 7,400,000 79,600,000 23,400,000 2,300,000 482,500,000 496,900,000

VALUATION EVENTS (BETA)

Year end Currency % Equity Sum raised Pre-Money Valuation* Post-Money Valuation* Enterprise Value**
Insufficient available data for calculating valuations.

DISPUTES

No disputes filed on www.disputesregister.org

COMPANY SECRETARY


Status Name Appointed on Resigned on Occupation Nationality All apointments
(active/resigned)
Active Thomas CRANE 11 Nov 2022 28 Mar 2024 1 - 0
Resigned Laura Jane DOBSON 01 May 2021 11 Nov 2022 0 - 1
Resigned James Alexander ORMROD 07 Jun 2017 01 May 2021 0 - 1
Resigned Trudy ELLIS 18 Jan 2017 07 Jun 2017 0 - 1
Resigned Benjamin Craig MURPHY 19 Jul 2012 18 Jan 2017 British 0 - 1
Resigned Rosamond Joy MARSHALL SMITH 02 Jan 2007 19 Jul 2012 0 - 134
Resigned Emma Gayle VERSLUYS 05 Dec 2006 02 Jan 2007 1 - 142

DIRECTORS


Status Name Appointed on Resigned on Occupation Nationality All appointments
(active/resigned)
Dissolved companies
(rate)
Active Aileen WALLACE 20 Dec 2022 Director British 8 - 31 (9.1%)
Active Katrina Jane CLIFFE 01 Aug 2022 Director British 1 - 00 (0.0%)
Active Gary THOMPSON 04 Apr 2022 Director British 6 - 10 (0.0%)
Active Stuart William SINCLAIR 16 Mar 2020 Director British 2 - 195 (23.8%)
Active William Richard HOLMES 16 Mar 2020 Director British 3 - 52 (25.0%)
Active Deborah Lee DAVIS 18 Oct 2018 Director British 12 - 20 (0.0%)
Resigned Bronwyn SYIEK 18 Oct 2018 20 Jul 2022 Director British 1 - 31 (25.0%)
Active Justin Ashley LOCKWOOD 23 Feb 2017 Director British 6 - 00 (0.0%)
Resigned Justin Ashley LOCKWOOD 23 Feb 2017 23 Jul 2021 Director British 69 - 60 (0.0%)
Resigned Johannes Jacobus MANGELAARS 22 Jul 2015 20 Dec 2022 Director Dutch 0 - 10 (0.0%)
Resigned Jayne Doreen ALMOND 23 Jun 2015 04 May 2018 None British 3 - 244 (14.8%)
Resigned Daniel Noel O'CONNOR 02 Jan 2015 30 Apr 2020 Director Irish 0 - 10 (0.0%)
Resigned Cathryn Elizabeth RILEY 12 Feb 2014 29 Apr 2021 Director British 3 - 10064 (62.1%)
Resigned Adrian David Edmund GARDNER 02 Jan 2014 21 Sep 2016 Director British 10 - 7139 (48.1%)
Resigned Richard Frank MOAT 01 Jul 2012 29 Apr 2021 Director British 0 - 80 (0.0%)
Active Gerard Jude RYAN 17 Jan 2012 Director Irish 2 - 50 (0.0%)
Resigned John Howard LORIMER 12 May 2010 25 Apr 2013 Director New Zealander 2 - 91 (9.1%)
Resigned Edyta Bogumila KUREK 15 Feb 2010 16 Jan 2015 Director Polish 0 - 10 (0.0%)
Resigned Craig Neil SHANNON 13 May 2009 06 Aug 2010 Director British 0 - 123 (25.0%)
Resigned Antony John HALES 16 Jul 2007 02 May 2019 Director British 4 - 405 (11.4%)
Resigned Charles Henry GREGSON 16 Jul 2007 09 May 2012 Company Director British 6 - 6827 (36.5%)
Resigned Nicholas Hurst PAGE 16 Jul 2007 17 Dec 2015 Director British 0 - 4317 (39.5%)
Resigned Raymond Reginald MILES 16 Jul 2007 12 May 2010 Director British 0 - 208 (40.0%)
Resigned Christopher John RODRIGUES 16 Jul 2007 30 Apr 2015 Director British 0 - 4417 (38.6%)
Resigned David Edward Spencer BROADBENT 30 Mar 2007 23 Feb 2016 Director British 0 - 3710 (27.0%)
Resigned Andrew Charles FISHER 02 Jan 2007 30 Mar 2007 Company Director British 0 - 5014 (28.0%)
Resigned John Arthur HARNETT 02 Jan 2007 31 Mar 2012 Director British 0 - 5530 (54.5%)
Resigned Emma Gayle VERSLUYS 05 Dec 2006 02 Jan 2007 Director Company Secretary British 1 - 14292 (64.3%)
Resigned Rosamond Joy MARSHALL SMITH 05 Dec 2006 02 Jan 2007 Director General Counsel British 0 - 13480 (59.7%)
Number of active directors: 8
Average tenure of active directors: 4.7 years
Average tenure of resigned directors: 4.9 years
Average active director Dissolution Rate: 7.2%

DIRECTOR APPOINTMENTS IN OTHER COMPANIES

Name
 
LLOYDS BANK PLC (00002065) - Active
PROVIDENT PERSONAL CREDIT LIMITED (00146091) - Liquidation
WILLIS LIMITED (00181116) - Active
LLOYDS BANK GENERAL INSURANCE LIMITED (00204373) - Active
PROVIDENT FINANCIAL MANAGEMENT SERVICES LIMITED (00328933) - Liquidation
HODGE LIMITED (00390216) - Active
VANQUIS BANKING GROUP PLC (00668987) - Active
WHICH? LIMITED (00677665) - Active
JULIAN HODGE BANK LIMITED (00743437) - Active
IPF INTERNATIONAL LIMITED (00753518) - Active
ATLANTA INSURANCE INTERMEDIARIES LIMITED (00756681) - Active
HBOS INVESTMENT FUND MANAGERS LIMITED (00941082) - Active
TANDEM BANK LIMITED (00955491) - Active
INTERNATIONAL PERSONAL FINANCE INVESTMENTS LIMITED (00961088) - Active
QBE UNDERWRITING LIMITED (01035198) - Active
SCOTTISH WIDOWS ADMINISTRATION SERVICES LIMITED (01132760) - Active
TARGET GROUP LIMITED (01208137) - Active
QBE RE (EUROPE) LIMITED (01378853) - Active
FISHER'S WOOD RESIDENTS' ASSOCIATION (01502807) - Active
IPF HOLDINGS LIMITED (01525242) - Active
LLOYDS BANK GENERAL INSURANCE HOLDINGS LIMITED (01628564) - Active
SCOTTISH WIDOWS UNIT TRUST MANAGERS LIMITED (01629925) - Active
QBE UK LIMITED (01761561) - Active
YORKSHIRE BANK HOME LOANS LIMITED (01855020) - Active
INTELLIGENT ENVIRONMENTS EUROPE LIMITED (01862322) - Active
HARLOSH LIMITED (02429046) - Active - Proposal to Strike off
VANQUIS BANK LIMITED (02558509) - Active
TARGET FINANCIAL SYSTEMS LIMITED (02711919) - Active
ST ANDREW'S INSURANCE PLC (03104671) - Active
SCOTTISH WIDOWS LIMITED (03196171) - Active
ASIA HOUSE (03312073) - Active
VITALITY LIFE LIMITED (03319079) - Active
HARRISON LOVEGROVE & CO. LIMITED (03839485) - Dissolved
IPF FINANCING LIMITED (05001293) - Active
TARGET SERVICING LIMITED (05618062) - Active
STANDARD CHARTERED MASTERBRAND LICENSING LIMITED (05618994) - Liquidation
INTERNATIONAL PERSONAL FINANCE PLC (06018973) - Active
IPF DIGITAL GROUP LIMITED (06032184) - Active
THE SAVINGS BANK LIMITED (06759010) - Dissolved
TH&SB HOLDINGS LIMITED (07065724) - Dissolved
TH&SB SERVICES LIMITED (07068728) - Dissolved
ITAU BBA INTERNATIONAL PLC (07425398) - Active
BUSINESS GROWTH FUND LIMITED (07514847) - Active
TANDEM MONEY LIMITED (08628614) - Active
TSB BANKING GROUP PLC (08871766) - Active
ELDERBRIDGE LIMITED (08896386) - Active
IPF NORDIC LIMITED (11356987) - Active
SCOTTISH WIDOWS SCHRODER WEALTH HOLDINGS LIMITED (11722485) - Active
MH(VW)E CUSTODIAN TRUSTEE COMPANY LTD (12733458) - Active
IPF MANAGEMENT UNLIMITED COMPANY (FC036891) - Active
ULSTER BANK IRELAND DESIGNATED ACTIVITY COMPANY (NF002103) - Active
DIACEUTICS PLC (NI055207) - Active
SCOTTISH WIDOWS ADMINISTRATION SERVICES (NOMINEES) LIMITED (SC074517) - Active
LLOYDS BANKING GROUP PLC (SC095000) - Active
TSB BANK PLC (SC095237) - Active
SCOTTISH WIDOWS GROUP LIMITED (SC199547) - Active
SCOTTISH WIDOWS FINANCIAL SERVICES HOLDINGS (SC199548) - Active
HBOS PLC (SC218813) - Active
MONEY DASHBOARD LTD (SC301187) - Active
BANK OF SCOTLAND PLC (SC327000) - Active

SHAREHOLDERS (BETA)

No shareholder data available

SHAREHOLDINGS (BETA)

Company name Share class Shares at confimation date
2015-09-302014-09-302013-09-302012-09-302011-09-30
INTERNATIONAL PERSONAL FINANCE PLCORDINARY3,239,072
100%
3,239,072
100%
3,239,072
100%
3,239,072
100%
3,239,072
100%

CONTROLLED COMPANIES / CONTROLLING ENTITIES



no controlling companies

INTERNATIONAL PERSONAL FINANCE PLC

no controlled companies

LATE PAYMENTS REPORT


This company has not filed any late payment reports possibly because it is not considered \'Large\'.

COURT CASES


No Court Cases found

PATENTS


No Patents found

COMPETITORS

(Based on Sic code: 64921 Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors)

Company Registered Address Company Number YE Date Revenue GBP Net Profit GBP Other SIC codes
BMW FINANCIAL SERVICES (GB) LIMITED SUMMIT ONE, SUMMIT AVENUE, FARNBOROUGH, ENGLAND, GU14 0FB 01288537 2017-12-31 870,090,000 231,774,000
CAPITAL ONE (EUROPE) PLC TRENT HOUSE, STATION STREET, NOTTINGHAM, NG2 3HX 03879023 2017-12-31 566,574,000 166,706,000
PARAGON BANKING GROUP PLC 51 HOMER ROAD, SOLIHULL, WEST MIDLANDS, UNITED KINGDOM, B91 3QJ 02336032 2018-09-30 451,900,000 145,800,000
PROVIDENT PERSONAL CREDIT LIMITED NO. 1, GODWIN STREET, BRADFORD, WEST YORKSHIRE, BD1 2SU 00146091 2018-12-31 339,900,000 -81,800,000
NEWDAY CARDS LTD 7 HANDYSIDE STREET, LONDON, ENGLAND, N1C 4DA 04134880 2018-12-31 259,100,000 26,200,000
RCI FINANCIAL SERVICES LIMITED RIVERS OFFICE PARK DENHAM WAY, MAPLE CROSS, RICKMANSWORTH, ENGLAND, WD3 9YS 03302462 2017-12-31 234,871,000 35,078,000
AMIGO LOANS LTD UNIT 11A,, THE AVENUE CENTRE, BOURNEMOUTH, ENGLAND, BH2 5RP 04841153 2018-03-31 210,600,000 72,200,000
ARROW GLOBAL LIMITED BELVEDERE, 12 BOOTH STREET, MANCHESTER, UNITED KINGDOM, M2 4AW 05606545 2017-12-31 153,292,000 2,254,000
CREATION CONSUMER FINANCE LIMITED WELLINGTON BUILDINGS 6TH FLOOR, WELLINGTON BUILDINGS, 2 - 4 WELLINGTON STREET, BELFAST, NORTHERN IRELAND, BT1 6HT NI032565 2017-12-31 127,785,000 29,541,000
HOME RETAIL GROUP CARD SERVICES LIMITED 33 HOLBORN, LONDON, ENGLAND, EC1N 2HT 04007072 2018-02-28 127,117,000 9,734,000
PREMIUM CREDIT LIMITED ERMYN HOUSE, ERMYN WAY, LEATHERHEAD, ENGLAND, KT22 8UX 02015200 2017-12-31 119,133,000 43,946,000
CREATION FINANCIAL SERVICES LIMITED CHADWICK HOUSE, BLENHEIM COURT, SOLIHULL, WEST MIDLANDS, B91 2AA 01091883 2017-12-31 86,676,000 28,024,000
ADVANTAGE FINANCE LIMITED 2 STRATFORD COURT C/O S&U PLC CRANMORE BOULEVARD, SHIRLEY, SOLIHULL, ENGLAND, B90 4QT 03773673 2018-01-31 78,882,000 24,458,000
S.D. TAYLOR LIMITED 11TH FLOOR LANDMARK ST PETER'S SQUARE, 1 OXFORD ST, MANCHESTER, M1 4PB 00550055 2017-12-31 50,741,000 1,513,000
WELLS FARGO CAPITAL FINANCE (UK) LIMITED 33 KING WILLIAM STREET, LONDON, UNITED KINGDOM, EC4R 9AT 02656007 2017-12-31 48,978,000 20,394,000
BLEMAIN FINANCE LIMITED LAKE VIEW, LAKESIDE, CHEADLE, CHESHIRE, SK8 3GW 01185052 2018-06-30 47,500,000 8,800,000
FIRST RESPONSE FINANCE LIMITED 5 REGAN WAY, CHETWYND BUSINESS PARK, CHILWELL, NOTTINGHAM, NOTTINGHAMSHIRE, UNITED KINGDOM 03560611 2018-03-31 41,023,376 11,684,534
THE CAR FINANCE COMPANY (2007) LTD THE OLD TOWN HALL, 71 CHRISTCHURCH ROAD, RINGWOOD, BH24 1DH 06060536 2018-06-30 21,835,000 -16,791,000
OAKMORE INVESTMENTS LIMITED 98 LIVERPOOL ROAD, FORMBY, LIVERPOOL, ENGLAND, L37 6BS 10321045 2017-12-31 20,334,041 0
MUTUAL CLOTHING & SUPPLY COMPANY LIMITED 39/43 BEDFORD STREET SOUTH, LEICESTER, LE1 3JN 00181701 2017-12-31 19,464,000 965,000
PARAGON FINANCE PLC 51 HOMER ROAD, SOLIHULL, WEST MIDLANDS, B91 3QJ 01917566 2018-09-30 13,244,000 12,255,000
PARTNERSHIP HOME LOANS LIMITED ENTERPRISE HOUSE, BANCROFT ROAD, REIGATE, SURREY, ENGLAND, RH2 7RP 05108846 2017-12-31 118,339 -447,895
CLB GLOBAL GROUP LTD 21 THE GATEWAY, WATFORD, HERTFORDSHIRE, WD18 7HW 07011241 2018-12-31 60,083 0
ROBIN OF HEATHFIELD LIMITED ELDERBURY HOUSE, HOWARDS THICKET, GERRARDS CROSS, BUCKINGHAMSHIRE, SL9 7NU 09245948 2018-09-30 18,417 0
RAVSPEED LTD 12 VICTORIA BUNGALOWS, MAIDSTONE ROAD, SIDCUP, ENGLAND, DA14 5BB 09442820 2018-03-31 14,489 0
REVLINK LIMITED UNIT 53 CARIOCCA BUSINESS PARK 2 HELLIDON CLOSE, ARDWICK, MANCHESTER, ENGLAND, M12 4AH 07209905 2018-03-31 800 0 68209-Other letting and operating of own or leased real estate
70210-Public relations and communications activities
70229-Management consultancy activities other than financial management
GLF LIMITED 7 PORCHESTER PLACE, LONDON, ENGLAND, W2 2BS 06758130 2017-12-31 0 0
ARROW GLOBAL INVESTMENTS HOLDINGS LIMITED BELVEDERE, 12 BOOTH STREET, MANCHESTER, UNITED KINGDOM, M2 4AW 06568603 0000-00-00 0 0
INTERNATIONAL PERSONAL FINANCE PLC 26 WHITEHALL ROAD, LEEDS, UNITED KINGDOM, LS12 1BE 06018973 0000-00-00 0 0

LIQUIDATION RISK (BETA)



This company is Active. Statistically, Active companies have a low probability of being liquidated within a year.
Here are our probability predictions:
Basis Liquidation within 3 months Liquidation within 6 months Liquidation within 12 months Prediction confidence
INTERNATIONAL PERSONAL FINANCE PLC 0.9% 3.6% 7.1% Medium
Other companies Active in the same sector 0.5% 3.3% 9.3% Medium
Age 0.4% 1.7% 3.3% Medium
Company Type 1.7% 4.0% 5.9% Medium
Accounts category 0.6% 1.5% 2.5% Medium
Accounting Month 0.6% 2.4% 5.5% Medium
Sic code count 0.7% 3.5% 7.0% Medium

VALUATION (BETA)




Valuation ratios as at 2024-02-28


Market Cap GBP Enterprise Value GBP PE EV/Revenue EV/EBITDA
INTERNATIONAL PERSONAL FINANCE PLC 251,050,000 679,935,000 1.0 20.4
Finance and Credit Services
( 16 companies)
52,691,100,000 48,431,933,622 12.7
(median)
2.7
(median)
13.2
(median)
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