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Financial intermediation not elsewhere classified · Northampton, Northants

Billing Finance

Billing Finance Limited

Losses 2 years runningActiveLatest figures: 2025Company only43 years on the register

Private limited company registered in Northampton, classed under “Financial intermediation not elsewhere classified”.

Headline figures

FY to Oct 2025 · Company only

Turnover

For subscribers

Profit after tax

−£4.81m

Net assets

For subscribers

Cash

For subscribers

Employees

For subscribers

Retained reserves

For subscribers

What the numbers say

4 findings from the figures, in plain English

Written by rules from the figures on this page. Not a forecast or a credit opinion.

History

Pro
£202220232024*2025
Profit after tax−£4.81m
Turnover
Net assets
Cash
Employees
Retained reserves

Every figure for all 4 years

“—” means we did not find the figure in a source; it is never filled with an estimate. * Restated: the next year's accounts printed different figures for this year, and those later figures are shown.

Balance sheet and ratios

From the filed balance sheets · £

Balance sheet2022202320242025
Fixed assets
Current assets
of which debtors
of which cash
Creditors due within a year
Net current assets
Net assets
Ratios
Return on equityProfit after tax as a share of net assets
Current ratioCurrent assets for every £1 owed within a year
Cash ratioCash for every £1 owed within a year
Creditors to assetsEverything owed to creditors as a share of fixed plus current assets

7 balance-sheet lines and 4 ratios, every year

A ratio appears only for years where every line it needs was filed. Lines are as tagged in the accounts; nothing is added up or estimated.

Timeline

Checked 2026-10-23

  1. Accounts
    Full accounts made up to 31 October 2025
  2. Directors
    Termination of appointment of Laoiseach O'loingsigh as a secretary on 31 December 2025
  3. Directors
    Termination of appointment of Laoiseach Sean O'loingsigh as a director on 31 December 2025
  4. Charges
    Satisfaction of charge 016934900015 in full
  5. Charges
    Satisfaction of charge 016934900012 in full
  6. Charges
    Satisfaction of charge 016934900016 in full
  7. Charges
    Satisfaction of charge 016934900013 in full
  8. Charges
    Satisfaction of charge 016934900017 in full
  9. Charges
    Satisfaction of charge 016934900014 in full
  10. Ownership
    Notification of Billing Finance Midco Limited as a person with significant control on 28 November 2025
  11. Ownership
    Cessation of Billing Finance Group Ltd as a person with significant control on 28 November 2025
  12. Charges
    Registration of charge 016934900018, created on 28 November 2025
  13. 26 earlier
    1. Charges
      Registration of charge 016934900019, created on 28 November 2025
    2. Directors
      Appointment of Mr Simon John Bayley as a director on 2 October 2025
    3. Accounts
      Full accounts made up to 31 October 2024
    4. Ownership
      Cessation of Oliver James Mackaness as a person with significant control on 3 September 2024
    5. Ownership
      Notification of Billing Finance Group Ltd as a person with significant control on 21 June 2016
    6. Charges
      Registration of charge 016934900017, created on 10 July 2024
    7. Charges
      Registration of charge 016934900016, created on 10 July 2024
    8. Charges
      Registration of charge 016934900015, created on 10 July 2024
    9. Accounts
      Full accounts made up to 31 October 2023
    10. Charges
      Satisfaction of charge 016934900009 in full
    11. Charges
      Satisfaction of charge 016934900011 in full
    12. Charges
      Satisfaction of charge 016934900010 in full
    13. Filing
      Auditor's resignation (and 1 more like it since 30 November 2009)
    14. Accounts
      Full accounts made up to 31 October 2022
    15. Charges
      Registration of charge 016934900014, created on 22 June 2022
    16. Charges
      Registration of charge 016934900013, created on 22 June 2022
    17. Charges
      Registration of charge 016934900012, created on 22 June 2022
    18. Ownership
      Cessation of James Mackaness as a person with significant control on 21 September 2021
    19. Accounts
      Full accounts made up to 31 October 2021
    20. Directors
      Termination of appointment of James Mackaness as a director on 30 September 2021
    21. Directors
      Termination of appointment of Gary Raymond Hill as a director on 15 July 2021
    22. Directors
      Appointment of Mr Laoiseach Sean O'loingsigh as a director on 7 July 2021
    23. Accounts
      Full accounts made up to 31 October 2020
    24. Directors
      Appointment of Mr Laoiseach O’Loingsigh as a secretary on 3 February 2021
    25. Directors
      Termination of appointment of Oliver James Mackaness as a secretary on 3 February 2021
    26. Accounts
      Full accounts made up to 31 October 2019

From the Companies House filing history. Routine confirmation statements are left out, and a run of the same filing is shown once.

Questions people ask

›What does Billing Finance do?

Private limited company registered in Northampton, classed under “Financial intermediation not elsewhere classified”. In its own words: “At Billing Finance, we help people get where they need to be by working with you to provide vehicle finance and friendly support.”

›How much turnover does Billing Finance make?

Answered in the full report

›Is Billing Finance profitable?

No: it made a loss after tax of £4.81m in the year to 31 October 2025, its latest filed accounts.

›How many people work at Billing Finance?

Answered in the full report

›Who runs and owns Billing Finance?

Its directors are Simon John Bayley, Oliver James Mackaness. Its owners are shown to subscribers.

›Where is Billing Finance based?

Its registered office is Billing House, The Causeway, Great Billing, Northampton, Northants, NN3 9EX, in Northampton, Northants.

›When was Billing Finance founded?

Billing Finance Limited was incorporated on 21 January 1983.

›Is Billing Finance still trading?

The register lists Billing Finance Limited as active.

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