Ardent Credit Services Limited
Financial intermediation not elsewhere classified · Merseyside
ActiveUnited KingdomIncorporated 2003Private Limited Company
Financial position
Accounts to 2025-12-31 · GBP · Company accounts
Net assets
£3,435,569
Cash
£3,157,223
Turnover
£11,290,639
Profit / loss
£1,210,961
Current assets
£7,427,006
Creditors < 1 year
£3,693,862
Equity
£3,435,569
Average employees
137
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 | 2025-12-31Company · AI-read | 2024-12-31Company · AI-read | 2022-06-3012 months | 2021-06-3012 months | 2020-06-3012 months | 2019-06-30 | 2018-06-3012 months | 2017-06-3012 months | 2016-06-3012 months | 2015-06-30 | 2014-06-30 | 2013-06-30 | 2012-06-30 | 2011-06-30 | 2010-06-30 | 2009-06-30 | 2008-06-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Balance sheet | |||||||||||||||||
| Net assets | £3,435,569 | £2,224,608 | £4,627,363 | £3,236,781 | £2,053,576 | — | £937,491 | £884,947 | £759,600 | £623,940 | £419,095 | £269,987 | £181,274 | £130,413 | £96,661 | £54,390 | £37,089 |
| Equity | £3,435,569 | £2,224,608 | £4,627,363 | £3,236,781 | £2,053,576 | £1,267,299 | £937,491 | £884,947 | £759,600 | £623,940 | £419,095 | £269,987 | £181,274 | £130,413 | £96,661 | £54,390 | £37,089 |
| Share capital | £100 | £100 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Retained earnings | £3,435,469 | £2,224,508 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Assets | |||||||||||||||||
| Fixed assets | £162,875 | £142,003 | — | — | £88,837 | — | £60,222 | £75,379 | £100,747 | £127,672 | £76,652 | £80,762 | £118,756 | £106,749 | £92,520 | £78,080 | £40,141 |
| Intangible assets | £17,643 | — | — | — | — | — | £8,100 | £10,800 | £13,500 | — | — | — | — | — | — | — | — |
| Property, plant & equipment | £145,232 | £142,003 | £92,010 | £128,191 | £86,137 | — | £52,122 | £64,579 | £87,247 | £112,672 | £60,152 | £62,762 | £99,256 | £85,749 | £70,020 | £54,080 | £14,641 |
| Current assets | £7,427,006 | £5,592,456 | £5,879,446 | £4,778,909 | £3,165,840 | — | £1,621,822 | £1,536,164 | £1,312,741 | £1,238,336 | £849,500 | £703,015 | £470,064 | £404,235 | £352,768 | £159,778 | £173,415 |
| Cash at bank | £3,157,223 | £2,771,358 | £5,277,703 | £4,223,472 | £2,666,020 | — | £1,119,258 | £1,260,242 | £945,793 | £778,949 | £609,658 | £467,719 | £321,515 | £284,611 | £267,327 | £115,470 | £134,343 |
| Debtors | £4,269,783 | £2,821,098 | £601,743 | £555,437 | £499,820 | — | £502,564 | £275,922 | £366,948 | £459,387 | £239,842 | £235,296 | £148,549 | £119,624 | £85,441 | £44,308 | £39,072 |
| Liabilities | |||||||||||||||||
| Creditors within one year | £3,693,862 | £3,044,100 | £1,321,432 | £1,157,811 | £1,178,177 | — | £735,226 | £715,028 | £627,374 | £686,748 | £494,712 | £501,445 | £384,106 | £351,878 | — | — | — |
| Creditors after one year | £423,231 | £432,864 | — | £480,877 | £6,104 | — | — | — | £9,966 | £33,884 | — | — | £5,805 | £13,484 | — | — | — |
| Bank loans & overdrafts | — | £432,864 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Provisions | £37,219 | £32,887 | £22,661 | £31,631 | £16,820 | — | £9,327 | £11,568 | £16,548 | £21,436 | £12,345 | £12,345 | £17,635 | £15,209 | £13,302 | £9,541 | £788 |
| Net current assets | £3,733,144 | £2,548,356 | £4,558,014 | £3,621,098 | £1,987,663 | — | £886,596 | £821,136 | £685,367 | £551,588 | £354,788 | £201,570 | £85,958 | £52,357 | £35,719 | £16,100 | −£2,264 |
| Assets less current liabilities | £3,896,019 | £2,690,359 | £4,650,024 | £3,749,289 | £2,076,500 | — | £946,818 | £896,515 | £786,114 | £679,260 | £431,440 | £282,332 | £204,714 | £159,106 | £128,239 | £94,180 | £37,877 |
| Profit & loss | |||||||||||||||||
| Turnover | £11,290,639 | £10,337,184 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Cost of sales | £3,918,934 | £3,232,889 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Gross profit | £7,371,705 | £7,104,295 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Administrative expenses | £6,123,194 | £4,921,895 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Other operating income | £130,253 | £58,730 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Operating profit | £1,378,764 | £2,240,826 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Interest receivable | £3,539 | £2,279 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Interest payable | £62,587 | £52,590 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Profit before tax | £1,319,716 | £2,190,515 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Tax | £108,755 | £288,318 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Profit / loss | £1,210,961 | £1,902,197 | — | — | £1,012,487 | — | — | — | — | — | — | — | — | — | — | — | — |
| People & pay | |||||||||||||||||
| Average employees | 137 | 133 | 84 | 82 | 83 | — | 68 | 55 | 50 | — | — | — | — | — | — | — | — |
| Directors' remuneration | £176,428 | £153,125 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Highest paid director | £176,428 | £153,125 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Source evidence | View filing | View filing | View filing | View filing | View filing | View filing | View filing | View filing | View filing | View filing | View filing | View filing | View filing | View filing | View filing | View filing | View filing |
From the accounts
What the accounts for 2025-12-31 say about themselves, read by AI from the scanned filing.
- Auditor
- EisnerAmper Ireland
- Audit opinion
- Clean (unmodified)
- Immediate parent
- Phillips & Cohen Associates (UK) Limited
- Ultimate parent
- Phillips & Cohen Associates International Limited
- Ultimate controlling party
- Mr A Cohen and Mr M Phillips
- Accounts
- FRS 102
- Approved
- 2026-09-17, signed by AS Cohen
Related parties (9)
- group parties · related by virtue of having common shareholders, and group companies · Management fee income · 130,253
- group parties · related by virtue of having common shareholders, and group companies · Management fee income · 58,230
- group parties · related by virtue of having common shareholders, and group companies · Management fee expense · 764,241
- group parties · related by virtue of having common shareholders, and group companies · Management fee expense · 555,505
- group parties · related by virtue of having common shareholders, and group companies · Amounts owed from group parties · 2,196,714
- group parties · related by virtue of having common shareholders, and group companies · Amounts owed from group parties · 1,107,196
- group parties · related by virtue of having common shareholders, and group companies · Amounts owed to group parties · 625
- related parties · related by virtue of having common shareholders, and group companies · Amounts owed to related parties · 1,649
- related parties · related by virtue of having common shareholders, and group companies · Amounts owed to related parties · 27,521
Borrowings (2)
- Bank loans · - · daily SOFR rate plus a margin of 3.5% · Term loan based on the value of the previous term loan from Wilmington Trust (repaid March 2026); syndicated facility including term loans, delayed term loans and lines of credit · secured on The banking facility is secured on the assets of the Group.
- Amounts owed to related companies · 423,231 · daily SOFR rate plus a margin of 3.5% · The Company has been allocated a proportion of the new Group banking facility; the previous term loan from Wilmington Trust was repaid March 2026 · secured on The banking facility is secured on the assets of the Group.
Share classes (1)
- 100 Ordinary of £1.00 each
Secured borrowing
Registered charges, lenders and security interests.
Charges and related records
0 outstanding chargesShow 3 satisfied / released
Floating · created 2024-07-02 · satisfied 2026-06-25
—
SatisfiedAll Assets · created 2023-04-19 · satisfied 2026-06-24
—
SatisfiedAll Assets · created 2005-06-14 · satisfied 2015-11-26
All monies
Satisfied