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Activities of mortgage finance companies · Sandbach

Opal Financials

Opal Financials Ltd

Cash down 53%Staff down 12%ActiveLatest figures: 2025Abridged accountsCompany only15 years on the register

Private limited company registered in Sandbach, classed under “Activities of mortgage finance companies”.

Headline figures

FY to Nov 2025 · Company only

Turnover

For subscribers

Profit after tax

—

Not filed: small-company exemption

Net assets

For subscribers

Cash

For subscribers

Employees

For subscribers

Retained reserves

For subscribers

What the numbers say

3 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
£2021202220232024*2025
Profit after tax—
Turnover
Net assets
Cash
Employees
Retained reserves

Every figure for all 5 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
Creditors due after a year
Net assets
Ratios
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

8 balance-sheet lines and 3 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 2026-10-22

  1. Ownership
    Change of details for Ms Emma Louise Hodgson as a person with significant control on 21 July 2026
  2. Directors
    Director's details changed for Ms Emma Louise Hodgson on 21 July 2026
  3. Accounts
    Unaudited abridged accounts made up to 30 November 2025
  4. Directors
    Director's details changed for Mr Carl Malcolm Dutton on 1 December 2025
  5. Accounts
    Unaudited abridged accounts made up to 30 November 2024
  6. Accounts
    Unaudited abridged accounts made up to 30 November 2023
  7. Accounts
    Unaudited abridged accounts made up to 30 November 2022
  8. Ownership
    Notification of Emma Hodgson as a person with significant control on 2 December 2020
  9. Ownership
    Change of details for Mr Steven James Hodgkiss as a person with significant control on 2 December 2020
  10. Accounts
    Unaudited abridged accounts made up to 30 November 2021
  11. Accounts
    Unaudited abridged accounts made up to 30 November 2020
  12. Ownership
    Notification of Carl Malcom Dutton as a person with significant control on 1 December 2020
  13. 18 earlier
    1. Shares
      Statement of capital following an allotment of shares on 1 December 2020 · GBP 300 (and 3 more like it since 9 November 2018)
    2. Accounts
      Unaudited abridged accounts made up to 30 November 2019
    3. Address
      Registered office address changed from 15 Crewe Road Alsager Stoke-on-Trent ST7 2EW to Unit 26 Edwin Foden Business Centre Moss Lane Sandbach CW11 3AE on 24 October 2019
    4. Accounts
      Unaudited abridged accounts made up to 30 November 2018
    5. Directors
      Director's details changed for Mrs Emma Hodgson on 1 October 2018
    6. Directors
      Appointment of Mrs Emma Hodgson as a director on 1 October 2018
    7. Accounts
      Unaudited abridged accounts made up to 30 November 2017
    8. Accounts
      Total exemption small company accounts made up to 30 November 2016
    9. Accounts
      Total exemption small company accounts made up to 30 November 2015
    10. Charges
      Registration of charge 074433420001, created on 26 October 2015
    11. Accounts
      Total exemption small company accounts made up to 30 November 2014
    12. Accounts
      Total exemption small company accounts made up to 30 November 2013
    13. Accounts
      Total exemption small company accounts made up to 30 November 2012
    14. Directors
      Appointment of Mr Carl Malcolm Dutton as a director
    15. Directors
      Director's details changed for Mr Steven James Hodgkiss on 1 October 2012
    16. Accounts
      Total exemption small company accounts made up to 30 November 2011
    17. Address
      Registered office address changed from 16 the Bank Scholar Green Stoke-on-Trent ST7 3LF United Kingdom on 14 March 2012
    18. Incorporation
      Incorporation

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 Opal Financials do?

Private limited company registered in Sandbach, classed under “Activities of mortgage finance companies”.

›How much turnover does Opal Financials make?

Answered in the full report

›Is Opal Financials profitable?

Opal Financials's profit isn't public: small companies may file without a profit and loss account.

›How many people work at Opal Financials?

Answered in the full report

›Who runs and owns Opal Financials?

Its directors are Carl Malcolm Dutton, Steven James Hodgkiss, Emma Louise Hodgson. Its owners are shown to subscribers.

›Where is Opal Financials based?

Its registered office is Unit 26 Edwin Foden Business Centre, Moss Lane, Sandbach, CW11 3AE, in Sandbach.

›When was Opal Financials founded?

Opal Financials Ltd was incorporated on 18 November 2010.

›Is Opal Financials still trading?

The register lists Opal Financials Ltd as active.

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