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CREATION CONSUMER FINANCE LIMITED
WELLINGTON BUILDINGS 6TH FLOOR, WELLINGTON BUILDINGS, 2 - 4 WELLINGTON STREET, BELFAST, BT1 6HTCompany Number: NI032565
Incorporation date: 19-Jun-1997
Status: Active
Entity type: Private Limited Company
SIC codes:
64921 Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors
SUMMARY
This company is 27.4 years old and is currently active. It is controlled by Creation Financial Services Limited. The company has positive equity (net assets) of GBP 172.3 million which has increased from GBP 158.6 million in the previous year. The company has 7 active officers (directors or partners) who are or were officers of 12 other companies, 4 (33.3%) 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 2 court cases involving the company that we are aware of.FINANCIALS (BETA)
Next accounts due: 31-Dec-2024Accounts Filed: FULL (31-Dec-2022)
P&L Financials:
Year end | Currency | Revenue | Operating profit | Interest Received | Interest Paid | Tax | Net Profit GBP |
---|---|---|---|---|---|---|---|
31-Dec-2018 | GBP | 155,493,000 | 8,760,000 | 35,917,000 | |||
31-Dec-2017 | GBP | 127,785,000 | 7,224,000 | 29,541,000 | |||
31-Dec-2016 | GBP | 108,152,000 | 6,755,000 | 25,807,000 | |||
31-Dec-2015 | GBP | 92,442,000 | 66,608,000 | 43,386,000 | 5,253,000 | 20,749,000 | |
31-Dec-2014 | GBP | 154,091,000 | 65,807,000 | 35,292,000 | 6,459,000 | 24,056,000 | |
31-Dec-2013 | GBP | 151,264,000 | 61,617,000 | 27,792,000 | 7,803,000 | 26,022,000 | |
31-Dec-2012 | GBP | 147,792,000 | 64,694,000 | 25,000 | 25,238,000 | 6,878,000 | 32,603,000 |
31-Dec-2011 | GBP | 128,414,000 | 42,347,000 | 37,000 | 15,221,000 | 5,652,000 | 21,511,000 |
Balance Sheet Financials:
Year end | Currency | Cash | Current Assets | Current Liabilities | Debt | Share Capital | Premium Reserve | Retained Earnings | Net Assets |
---|---|---|---|---|---|---|---|---|---|
31-Dec-2018 | GBP | 13,552,000 | 15,000,000 | 172,257,000 | |||||
31-Dec-2017 | GBP | 15,011,000 | 15,000,000 | 158,617,000 | |||||
31-Dec-2016 | GBP | 104,000 | 15,000,000 | 159,936,000 | |||||
31-Dec-2015 | GBP | 312,886,000 | 15,000,000 | 119,602,000 | 184,781,000 | ||||
31-Dec-2014 | GBP | 1,795,000 | 374,476,000 | 164,032,000 | |||||
31-Dec-2013 | GBP | 1,923,000 | 1,059,096,000 | 198,000,000 | 15,000,000 | 74,797,000 | 139,976,000 | ||
31-Dec-2012 | GBP | 1,013,823,000 | 239,300,000 | 15,000,000 | 48,729,000 | 113,908,000 | |||
31-Dec-2011 | GBP | 950,945,000 | 291,090,000 | 15,000,000 | 16,294,000 | 81,473,000 |
VALUATION EVENTS (BETA)
Year end | Currency | % Equity | Sum raised | Pre-Money Valuation* | Post-Money Valuation* | Enterprise Value** |
---|
DISPUTES
No disputes filed on www.disputesregister.orgCOMPANY SECRETARY
Status | Name | Appointed on | Resigned on | Occupation | Nationality | All apointments (active/resigned) |
---|---|---|---|---|---|---|
Active | David Maurice CARSON | 01 Apr 2016 | 02 Nov 2024 | 1 - 0 | ||
Resigned | John Stewart MCCULLOGH | 30 Mar 2007 | 31 Mar 2016 | British | 0 - 12 | |
Resigned | Robert David HOLMES | 30 Mar 2007 | 09 May 2008 | 0 - 1 | ||
Resigned | Geoffrey FARMER | 19 Jun 1997 | 30 Mar 2007 | 0 - 1 |
DIRECTORS
Status | Name | Appointed on | Resigned on | Occupation | Nationality | All appointments (active/resigned) |
Dissolved companies (rate) |
---|---|---|---|---|---|---|---|
Active | Anais RAYNAUD | 25 Oct 2023 | Director | French | 1 - 0 | 0 (0.0%) | |
Active | Mike REDFERNE | 30 Jun 2023 | Non Executive Director | British | 2 - 0 | 0 (0.0%) | |
Active | Bart VERVENNE | 28 Jun 2023 | Company Director | Belgian | 1 - 0 | 0 (0.0%) | |
Active | Jean-Pierre CHARLES | 05 May 2022 | Company Director | French | 2 - 0 | 0 (0.0%) | |
Resigned | Jean Pierre CHARLES | 05 May 2022 | 31 May 2023 | Company Director | French | 0 - 11 | 6 (54.5%) |
Active | Lakshmi Krishna MOORTHY | 01 Oct 2021 | Director | British | 7 - 0 | 0 (0.0%) | |
Active | Ethel PARAUD | 01 Oct 2021 | Director | French | 2 - 0 | 0 (0.0%) | |
Resigned | Martin Francois Lazare FAVRE | 17 Jun 2019 | 11 Jan 2022 | Chief Marketing & Commercial Officer | French | 0 - 2 | 0 (0.0%) |
Resigned | Marc DE KORVER | 14 Mar 2019 | 18 Feb 2022 | Director | French | 0 - 2 | 0 (0.0%) |
Resigned | Antonio Miguel CABACA | 19 Dec 2018 | 01 Mar 2021 | Company Director | Portuguese | 0 - 3 | 0 (0.0%) |
Resigned | Anne Marie Odile Albertine VERSTRAETEN | 01 Jun 2018 | 20 Feb 2020 | Company Director | Belgian | 1 - 9 | 3 (30.0%) |
Resigned | Marielle Laure GRIFFIN | 19 Dec 2017 | 01 Oct 2021 | Director Of Management Control | French | 0 - 2 | 0 (0.0%) |
Resigned | Gilles ZEITOUN | 19 Dec 2017 | 19 Dec 2018 | Deputy Head Of Region | French | 0 - 2 | 0 (0.0%) |
Resigned | Johannes Jacobus SNYMAN | 31 Mar 2017 | 31 Aug 2020 | Chief Operating Officer | South African | 0 - 2 | 0 (0.0%) |
Resigned | Xavier ANTIGLIO | 01 Apr 2016 | 19 Dec 2017 | Non Executive Director | French | 0 - 2 | 0 (0.0%) |
Resigned | Jetinder Singh UPPAL | 16 Feb 2015 | 19 Dec 2018 | Chief Risk Officer | British | 0 - 2 | 0 (0.0%) |
Resigned | Benoit Claude DILLY | 16 Feb 2015 | 19 Dec 2017 | Company Director | French | 0 - 34 | 12 (35.3%) |
Resigned | Tony DEAKIN | 16 Feb 2015 | 12 May 2016 | Finance Director | British | 0 - 2 | 0 (0.0%) |
Resigned | Alain Carmelo, Monsieur VAN GROENENDAEL | 16 Feb 2015 | 20 Aug 2015 | Company Director | Belgian | 0 - 4 | 0 (0.0%) |
Resigned | Benoit Patrice Stephane, Monsieur CAVELIER | 16 Feb 2015 | 26 Jun 2018 | Company Director | French | 0 - 2 | 0 (0.0%) |
Resigned | Jacques DARRIGADE | 30 Jan 2013 | 16 Feb 2015 | Accounting Manager | French | 0 - 4 | 2 (50.0%) |
Resigned | Solange Magali Josiane, Mlle TRAISNEL | 30 Jan 2013 | 16 Feb 2015 | Head Of Revenue Management - Laser France | French | 0 - 4 | 2 (50.0%) |
Resigned | Gordon RENNISON | 30 Mar 2007 | 16 Feb 2015 | Head Of Legal And Compliance | British | 0 - 6 | 4 (66.7%) |
Resigned | Stavros MAKARITIS | 30 Mar 2007 | 11 Mar 2013 | Hd Of Finance | American | 0 - 6 | 4 (66.7%) |
Active | Stephen Andrew Robert HUNT | 30 Mar 2007 | Company Director | British | 3 - 6 | 5 (55.6%) | |
Resigned | Jean Pierre CHARLES | 15 May 2006 | 23 Jan 2013 | Director | French | 0 - 11 | 6 (54.5%) |
Resigned | Geoffrey Mark FARMER | 30 Apr 2002 | 24 Aug 2007 | Chartered Accountant | Britiish | 0 - 22 | 21 (95.5%) |
Resigned | Paul Andrew ELLIOTT | 19 Jun 1997 | 30 Mar 2007 | Accountant | British | 0 - 20 | 14 (70.0%) |
Resigned | Nigel David WILSON | 19 Jun 1997 | 05 Nov 1999 | Accountant | British | 0 - 1 | 0 (0.0%) |
Resigned | Joseph DOYLE | 19 Jun 1997 | 05 Nov 1999 | Company Director | British | 0 - 1 | 0 (0.0%) |
Resigned | Samuel DOWNEY | 19 Jun 1997 | 30 Jun 2007 | Credit Manager | British | 0 - 4 | 3 (75.0%) |
Average tenure of active directors: 4.3 years
Average tenure of resigned directors: 3.6 years
Average active director Dissolution Rate: 7.9%
DIRECTOR APPOINTMENTS IN OTHER COMPANIES
Name
|
||||||||
---|---|---|---|---|---|---|---|---|
BRITISH VEHICLE RENTAL AND LEASING ASSOCIATION LIMITED (00924401) - Active | ✔ | |||||||
ARVAL UK LIMITED (01073098) - Active | ✔ | |||||||
CREATION FINANCIAL SERVICES LIMITED (01091883) - Active | ✔ | ✔ | ✔ | ✔ | ✔ | |||
ARVAL UK LEASING SERVICES LIMITED (01171155) - Active | ✔ | |||||||
WEST MIDLANDS DEBT COLLECTIONS LIMITED (01393333) - Dissolved | ✔ | |||||||
ARVAL UK GROUP LIMITED (01534653) - Active | ✔ | |||||||
WESTFIELD PROPERTIES LIMITED (01876052) - Active | ✔ | |||||||
BNP PARIBAS FLEET HOLDINGS LIMITED (03997584) - Active | ✔ | |||||||
CREATION MARKETING SERVICES LIMITED (04358400) - Dissolved | ✔ | |||||||
PREMIUM FIRST LIMITED (04746915) - Dissolved | ✔ | |||||||
ALLDERS FINANCIAL SERVICES LIMITED (04977533) - Dissolved | ✔ | |||||||
CREATION CONSUMER FINANCE LIMITED (NI032565) - Active | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | ✔ | |
CONSUMER COLLECTION LIMITED (NI033648) - Dissolved | ✔ |
SHAREHOLDERS (BETA)
Shareholder name | Share class | Shares at confirmation date | ||||
---|---|---|---|---|---|---|
2016-06-19 | 2015-06-19 | 2014-06-19 | 2013-06-19 | 2012-06-19 | ||
CREATION FINANCIAL SERVICES LIMITED | ORDINARY | 15,000,100 100% | 15,000,100 100% | 15,000,100 100% | 15,000,100 100% | 15,000,100 100% |
SHAREHOLDINGS (BETA)
no shareholding data
CONTROLLED COMPANIES / CONTROLLING ENTITIES
Controlling entities above
CREATION CONSUMER FINANCE LIMITED
no controlled companies
LATE PAYMENTS REPORT
Start date | End date | Average days to pay | % invoices paid over 60 days | % invoices not paid within agreed terms | Gov.uk report |
---|---|---|---|---|---|
2024-01-01 | 2024-06-30 | 21 | 3% | 19% | 87358 |
2023-07-01 | 2023-12-31 | 20 | 4% | 16% | 80593 |
2023-01-01 | 2023-06-30 | 18 | 4% | 17% | 74226 |
2022-07-01 | 2022-12-31 | 22 | 5% | 23% | 67426 |
2022-01-01 | 2022-06-30 | 18 | 2% | 12% | 61280 |
2021-07-01 | 2021-12-31 | 16 | 1% | 8% | 54790 |
2021-01-01 | 2021-06-30 | 19 | 3% | 9% | 47886 |
2020-07-01 | 2020-12-31 | 19 | 2% | 11% | 41611 |
2020-01-01 | 2020-06-30 | 21 | 1% | 19% | 34630 |
2019-07-01 | 2019-12-31 | 18 | 2% | 14% | 27723 |
2019-01-01 | 2019-06-30 | 30 | 9% | 27% | 19067 |
2018-07-01 | 2018-12-31 | 35 | 12% | 34% | 12158 |
2018-01-01 | 2018-06-30 | 29 | 5% | 31% | 4009 |
COURT CASES
Date | Title | Reference | Subject |
---|---|---|---|
2015-07-30 | Allied Fort Insurance Services Ltd & Ors v Creation Consumer Finance Ltd (t/a 'Premium First') | [2015] EWCA Civ 841 | |
2013-03-15 | Halliday v Creation Consumer Finance Ltd (CCF) | [2013] EWCA Civ 333 |
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 | 71-75 SHELTON STREET, COVENT GARDEN, LONDON, UNITED KINGDOM, WC2H 9JQ | 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 | FIRST RESPONSE FINANCE LTD 5 REGAN WAY CHETWYND BUSINESS PARK, CHILWELL, NOTTINGHAM, ENGLAND, NG9 6RZ | 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 |
---|---|---|---|---|
CREATION CONSUMER FINANCE LIMITED | 0.7% | 3.6% | 7.1% | Medium |
Other companies Active in the same sector | 0.5% | 3.3% | 9.3% | Medium |
Age | 0.3% | 1.3% | 2.4% | Medium |
Company Type | 0.7% | 3.7% | 7.4% | Medium |
Accounts category | 0.7% | 2.2% | 3.8% | Medium |
Accounting Month | 0.6% | 2.4% | 5.5% | Medium |
Sic code count | 0.7% | 3.5% | 7.0% | Medium |