Company Overview
Santander Consumer (Uk) Plc is listed at the official companies registry as Active Public Limited Company. The company was incorporated on Wednesday 27 April 1988, so this is a well established company. Santander Consumer (Uk) Plc has been in business for 37 years and 11 months. The accounts status is full and the accounts are next due on Tuesday 30 June 2026.
Registered Address

Santander House, 86 Station Road, Redhill, Surrey, RH1 1SR
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Companies House Data
Company NameSANTANDER CONSUMER (UK) PLC
Company Number02248870
Registered Office AddressSantander House
 86 Station Road
 RH1 1SR
Company CategoryPublic Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date27/04/1988
Accounting Reference Date Day31
Accounting Reference Date Month12
Accounts Next Due Date30/06/2026
Accounts Last Made Up Date31/12/2024
Accounts Account CategoryFULL
Returns Next Due Date14/06/2017
Returns Last Made Up Date17/05/2016
Directors & Members
Show Resigned
Joaquin Caracuel Barbecho - Director
(Spanish, 49 years old, born December 1977)
Appointed 06 March 2026
 Active
Marta Elorza - Director
(Spanish, 67 years old, born January 1959)
Appointed 06 June 2025
 Active
Adam Goldhagen - Director
(British, 62 years old, born September 1964)
Appointed 01 November 2013
 Active
Timothy Hinton - Director
(British, 62 years old, born April 1964)
Appointed 13 September 2023
 Active
Mark Lewis - Director
(British, 57 years old, born May 1969)
Appointed 01 January 2023
 Active
Bruno Montalvo Wilmot - Director
(Spanish, 64 years old, born October 1962)
Appointed 17 October 2012
 Active
Secretaries
Show Resigned
Other Company Directorships
Joaquin Caracuel Barbecho
VOLVO CAR FINANCIAL SERVICES UK LIMITED
Marta Elorza
SANTANDER UK OPERATIONS LIMITED
Adam Goldhagen
CA AUTO FINANCE UK LTD
DRIVALIA LEASE UK LTD
FIAT GROUP PENSION TRUSTEE LIMITED
HYUNDAI CAPITAL UK LIMITED
Timothy Hinton
BUSINESS GROWTH FUND LIMITED
DOLPHIN ESTATES LIMITED
IN KIND DIRECT
SANTANDER ASSET FINANCE PLC
Mark Lewis
CHURCHILL INSURANCE COMPANY LIMITED
DECISION TECHNOLOGIES LIMITED
DIRECT LINE INSURANCE GROUP LIMITED
HAMMER PW BIDCO LIMITED
HAMMER PW TOPCO LIMITED
JOHN LEWIS DELIVERY LIMITED
JOHN LEWIS INTERNATIONAL LIMITED
MONEYSAVINGEXPERT.COM LIMITED
MONEYSUPERMARKET.COM LTD
MONY GROUP FINANCIAL HOLDINGS LIMITED
MONY GROUP FINANCIAL LIMITED
MONY GROUP PLC
MORTGAGE 2000 LIMITED
MSMG DORMANT NO. 1 LIMITED
MSMG DORMANT NO. 2 LIMITED
MSMG DORMANT NO. 3 LIMITED
SANTANDER UK GROUP HOLDINGS PLC
SANTANDER UK PLC
SELLMYMOBILE.COM LIMITED
THE PHOTOGRAPHERS' GALLERY LIMITED
TOWNSIDE LIMITED
U K INSURANCE LIMITED
Bruno Montalvo Wilmot
VOLVO CAR FINANCIAL SERVICES UK LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2015 31-Dec-2014
Balance Sheet
Fixed Assets 2,490,063,000 2,490,063,000 2,167,116,000
Current Assets 3,952,913,000 3,952,913,000 2,434,148,000
Creditors Due Within One Year 4,294,324,000 4,294,324,000 3,601,493,000
Working Cap -341,411,000 -341,411,000 -1,167,345,000
Total Assets Less Current Liabilities 2,148,652,000 2,148,652,000 999,771,000
Long-term Liabilities 1,607,272,000 1,607,272,000 534,023,000
Net Assets 541,380,000 541,380,000 465,748,000
Share Capital & Reserves
Share Cap 150,000,000 150,000,000 150,000,000
Profit & Loss Reserves 391,380,000 391,380,000 315,759,000
Other Reserves 0 0 -11,000
Shareholders Funds 541,380,000 541,380,000 465,748,000
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2015 31-Dec-2014
Tangible Fixed Assets - - -
Fixed Assets 38.6% 38.6% 47.1%
Stocks Inventory 0.0% 0.0% 0.0%
Debtors 39.1% 39.1% 17.2%
Cash Bank In Hand 0.6% 0.6% 1.0%
Current Assets 61.4% 61.4% 52.9%
Creditors Due Within One Year 66.7% 66.7% 78.3%
Net Current Assets Liabilities -5.3% -5.3% -25.4%
Creditors Due After One Year 24.9% 24.9% 11.6%
Accruals Deferred Income - - -
Provisions For Liabilities Charges - - -
Net Assets Liabilities Including Pension Asset Liability 8.4% 8.4% 10.1%
Called Up Share Capital 2.3% 2.3% 3.3%
Share Capital Allotted Called Up Paid 2.3% 2.3% 3.3%
Profit Loss Account Reserve 6.1% 6.1% 6.9%
Shareholder Funds 8.4% 8.4% 10.1%
Capital Employed - - -
Total Assets Less Current Liabilities 33.3% 33.3% 21.7%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2015 31-Dec-2014
Liquidity Ratio 0.9 0.9 0.7
Solvency Ratio 1.1 1.1 1.1
Reserves to Assets 0.1 0.1 0.1
Secured Creditors Unlock full report
Mortgages Charges 0
Mortgages Outstanding 0
Mortgages Part Satisfied 0
Mortgages Satisfied 0
Assets and Debt Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2015 31-Dec-2014
Assets 6,442,976,000 6,442,976,000 4,601,264,000
Debt 5,901,596,000 5,901,596,000 4,135,516,000
Net Assets/Debt 541,380,000 541,380,000 465,748,000

The following is based on the accounts data presented in this report sourced from Companies House, however the company has filed later accounts. Our analysis of the latest account can be viewed by unlocking our full report.

As at the balance sheet date current liquid assets were slightly less than short term debt. We would normally view a company broadly neutrally for this. Total reserves including retained profitability and movement in reserves appeared positive. We would normally view a company positively for this. The balance sheet indicates the substantial net assets of a large company. For the size of the company as inferred by the balance sheet the amount of net assets represents a moderate margin of cover over total debts and obligations.

Unlock full report  The following is based on the accounts data presented in this report sourced from Companies House, however the company has filed later accounts. Our analysis of the latest account can be viewed by unlocking our full report.As at the balance sheet date current liquid assets were slightly less than short term debt. We would normally view a company broadly neutrally for this. Total reserves including retained profitability and movement in reserves appeared positive. We would normally view a company positively for this. The balance sheet indicates the substantial net assets of a large company. For the size of the company as inferred by the balance sheet the amount of net assets represents a moderate margin of cover over total debts and obligations.   The following is based on the accounts data presented in this report sourced from Companies House, however the company has filed later accounts. Our analysis of the latest account can be viewed by unlocking our full report.As at the balance sheet date current liquid assets were slightly less than short term debt. We would normally view a company broadly neutrally for this. Total reserves including retained profitability and movement in reserves appeared positive. We would normally view a company positively for this. The balance sheet indicates the substantial net assets of a large company. For the size of the company as inferred by the balance sheet the amount of net assets represents a moderate margin of cover over total debts and obligations.

This review of public record balance sheet and company status information is presented under the terms of Open Government Licence and is for informational purposes only, is general in nature, and is not intended as an opinion or advice for any specific circumstances. The commentary and the colour band score is not a credit rating or credit risk assessment.

This review does not constitute a full credit rating or credit risk assessment based on the full analysis and credit score algorithms used in our credit reports. A full credit report may also provide information relating to trade payment history and county court or court judgments if any.

Public Record Information Unlock full report
Exact Court Judgements
Period of Months Last 12m 13-24m 25-36m 37-48m 49-60m 61-72m
Number of Exact CCJS X Y Y X X Y
Value of Exact CCJS YXY YK S S X KX
Supplier Credit Limits Unlock full report
Date Sector Notified Amount Terms
XK-SXY XKXYXK SXSKXYXK £X,000 XS XYSKS
SK-SYY SKXYXKYKKY KSXX KKXXYXS £YY,000 YS XYSKS SK YXXSXS
YK-SXY XKXYXYYK SXSXYXK £SX,000 XS XYSKS
Payment Records Unlock full report
Payment Records from it's suppliers' company ledger show how a company is paying its suppliers

Payment Analysis

Total Invoices Paid Before
30 days due		 Paid After
30 days due		 Owing Before
30 days due		 Owing after
30 days due
XYX SX K YX X
Company Valuation Analysis Unlock full report

Going Concern Valuation

The going concern valuations value the company on the basis that it continues to trade without the threat of liquidation for the foreseeable future. These valuations are primarily profit and cashflow based.

Valuations Valuation Measures
Estimated High Value £XSI,000 Retained Profit £YX,000
Estimated Mid Value £YY,000 EBIT £SY,000
Estimated Low Value £X,000 EBITDA £SSX,000

Liquidation Valuation

The liquidaton valuation values the company as if it were to cease trading and assets were subject to rapid disposal to cover liabilities. This valuation is primarily asset based.

Valuations Valuation Measures
Estimated High Value £XY,000 Total Assets £XIX,000
Estimated Mid Value £Y,000 Net Assets £YX,000
Estimated Low Value £S,000 Tangible Equity £SX,000

The above valuations are based on our own algorithms and take no account of many factors that can influence actual valuations realized and should not therefore be assumed to be accurate.
Credit Status Checklist Unlock full report
Business Growth Please purchase a report to see true comments
EBITDA Purchase a report to see true comments
Dividends Please purchase a report to see true comments about this company
Retained Profits Retained Profits for this company
Debt Interest Debt Interest for this company
Cash Flow Cash Flow for this company
CCJs CCJs for this company
Age of Company Age of Company for this company
Solvency Solvency for this company
Secured Creditors Secured Creditors for this company
Ownership Ownership for this company


First Report Score: (0-10) X
Financial Status Guide:
10 Very Strong
9 Strong
8 Very Good
7 Good
6 Above Average
5 Average
4 Below Average
3 Poor
2 Weak
1 Very Weak
0 Critical

Risk Score Trend

Risk Rating Unlock full report

This is the credit risk assessment used by one of the top UK credit reference agencies.

Risk Score (1-100) X
Risk Band Description XXMXMXMX SISX
Risk Assessment Meeting of Creditors
Credit Rating XSKX
Altman Z Score Credit Risk Rating Unlock full report

There have been many bankruptcy predictors developed, however none has been so thoroughly tested and broadly accepted as the Altman Z-Score.

Z Score X
Risk Band XY
Risk Band Description The Z Score is not used for small companies where full accounts are not filed because profit and loss account items are required to calculate the score.

Z Score Bands

1 Low Risk 3.00 and above
2 Caution 2.63 - 2.99
3 Risk of Failure within 2 years 1.24 - 2.62
4 High Probability Failure Below 1.24
Other Business around RH1 1SR
FIRST NATIONAL MOTOR PLC
2 TRITON SQUARE, REGENT'S PLACE, LONDON, RH1 1SR
Document Filings
Confirmation statement made on 1 March 2026 with no updates
Appointment of Mr Joaquin Caracuel Barbecho as a director on 6 March 2026
Termination of appointment of Federico Jose Maria Ysart Alvarez De Toledo as a director on 31 December 2025
Registration of charge 022488700001, created on 23 December 2025
Appointment of Mr Thomas Charles Ryley Shepherd as a director on 6 June 2025
Appointment of Ms Marta Elorza as a director on 6 June 2025
Termination of appointment of Christine Joan Palmer as a director on 31 March 2025
Confirmation statement made on 4 March 2025 with no updates
Director's details changed for Mr Timothy Giles Sunderland Hinton on 31 October 2024
Termination of appointment of Damien Patrick O'sullivan as a director on 9 February 2025
Termination of appointment of Jean-Pierre Landau as a director on 13 January 2025
Appointment of Mr Damien Patrick O'sullivan as a director on 16 December 2024
Termination of appointment of Javier Anton San Pablo as a director on 11 November 2024
Appointment of Mr Federico Jose Maria Ysart Alvarez De Toledo as a director on 11 November 2024
Director's details changed for Mr Timothy Giles Sunderland Hinton on 1 August 2024
Appointment of Mr Jean-Pierre Landau as a director on 1 June 2024
Termination of appointment of Victor Thomas Hill as a director on 31 May 2024
Resolutions
Memorandum and Articles of Association
Confirmation statement made on 1 March 2024 with no updates
Termination of appointment of Madhukar Dayal as a director on 27 September 2023
Appointment of Mr Timothy Giles Sunderland Hinton as a director on 13 September 2023
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