Billing Finance Group Limited
08237155
Some Concerns
- Loss before tax (-10)
- Going concern doubt noted in accounts (-10)
- 1 outstanding charge (-2)
Details
Compliance
Last accounts
31/10/2025
group
Next accounts due
31/07/2027
Confirmation statement
Last: 10/10/2025
Due 24/10/2026
Industry
Officers
director · Since 02/10/2012
DIRECTOR
BRITISH · ENGLAND · Age 51
Also on 6 other boards
director · Since 29/11/2017
COMPANY DIRECTOR
BRITISH · ENGLAND · Age 53
Also on 2 other boards
director · Since 09/12/2021
COMPANY DIRECTOR
BRITISH · ENGLAND · Age 71
Also on 6 other boards
director · Since 02/10/2025
COMPANY DIRECTOR
BRITISH · ENGLAND · Age 53
Also on 3 other boards
Persons with Significant Control
Mrs Louise Docker
British · United Kingdom · Age 53
Billing House, The Causeway, Northampton, NN3 9EX
Notified 06/04/2016
Mr Oliver James Mackaness
British · England · Age 51
Billing House, The Causeway, Northampton, NN3 9EX
Notified 06/04/2016
Former PSCs
Mr James Mackaness
Ceased 26/06/2023
Charges1 outstanding
QUILAM SPECIAL OPPORTUNITIES 2 LIMITED
COMMERZBANK AG AS SECURITY AGENT
COMMERZBANK AG (AS SECURITY AGENT)
COMMERZBANK AG AS SECURITY TRUSTEE
COMMERZBANK AG
THE ROYAL BANK OF SCOTLAND PLC AS SECURITY TRUSTEE
THE ROYAL BANK OF SCOTLAND PLC AS SECURITY TRUSTEE
CompanyRankvs 3576+ SIC 70100 peers49
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How is this score calculated?
Net worth compared to all companies in the same SIC code with published accounts. Top quartile earns the full 25 points.
Workforce size relative to sector peers from the most recent accounts. A larger team generally signals commercial scale.
Current assets ÷ current liabilities. A ratio above 2× earns full marks; between 1–2× scores partially; below 0.5× scores minimal points.
One point per year of operation since incorporation, capped at 15. Older companies have a proven track record.
Full 15 points when both annual accounts and confirmation statement are filed on time. Points are deducted for each overdue filing.
Risk deductions
Going concern doubt: -10 pts
Outstanding charges: -10 pts
Maximum score is 100. Deductions apply for insolvency history, outstanding charges, going concern doubt, or disqualified officers.
Going Concern Doubt
being a period of at least 12 months from the date of signing these financial statements In the prior year there was a material uncertainty regarding going concern in relation to potential post year end events relating to the FCA Redress Scheme and future funding. These factors are now more certain and have been deemed not to give rise to a material uncertainty
Key FinancialsYear ending 31/10/2025
Net Worth
£21.7M
Balance sheet strength
Cash
£1.3M
Cash in the bank
Profit Before Tax
-£6.1M
Bottom line earnings
Net Current Assets
£146
Working capital
Current Assets
—
Current Liabilities
£58.0M
Fixed Assets
£3k
Debtors
£49.2M
Cost of Sales
£2.9M
Admin Expenses
£18.1M
Profit After Tax
-£4.8M
Tax at Year End
People Costs
Balance Sheet
EstimatesDerived
| Year | Implied Profit |
|---|---|
| 2025 | -£4.4M |
| 2024 | +£26.1M |
Derived from filed accounts. Not audited figures.