CARNEGIE CONSUMER FINANCE LIMITED

Company Registration Number:
SC424688 (Scotland)

Unaudited abridged accounts for the year ended 31 May 2025

Period of accounts

Start date: 01 June 2024

End date: 31 May 2025

CARNEGIE CONSUMER FINANCE LIMITED

Contents of the Financial Statements

for the Period Ended 31 May 2025

Balance sheet
Notes

CARNEGIE CONSUMER FINANCE LIMITED

Balance sheet

As at 31 May 2025


Notes
2025
2024


£
£
Fixed assets
Tangible assets: 3 97,043 26,736
Total fixed assets: 97,043 26,736
Current assets
Debtors: 4 8,006,138 9,798,991
Cash at bank and in hand: 52,338 12,480
Total current assets: 8,058,476 9,811,471
Creditors: amounts falling due within one year: 5 (4,636,722) (4,565,062)
Net current assets (liabilities): 3,421,754 5,246,409
Total assets less current liabilities: 3,518,797 5,273,145
Creditors: amounts falling due after more than one year: 6 (2,937,017) (4,770,663)
Total net assets (liabilities): 581,780 502,482
Capital and reserves
Called up share capital: 1,000 1,000
Profit and loss account: 580,780 501,482
Shareholders funds: 581,780 502,482

The notes form part of these financial statements

CARNEGIE CONSUMER FINANCE LIMITED

Balance sheet statements

For the year ending 31 May 2025 the company was entitled to exemption under section 477 of the Companies Act 2006 relating to small companies.

The members have not required the company to obtain an audit in accordance with section 476 of the Companies Act 2006.

The directors acknowledge their responsibilities for complying with the requirements of the Act with respect to accounting records and the preparation of accounts.

The members have agreed to the preparation of abridged accounts for this accounting period in accordance with Section 444(2A).

These accounts have been prepared in accordance with the provisions applicable to companies subject to the small companies regime.

The directors have chosen to not file a copy of the company’s profit & loss account.

This report was approved by the board of directors on 03 September 2025
and signed on behalf of the board by:

Name: M A Head
Status: Director

The notes form part of these financial statements

CARNEGIE CONSUMER FINANCE LIMITED

Notes to the Financial Statements

for the Period Ended 31 May 2025

1. Accounting policies

These financial statements have been prepared in accordance with the provisions of Section 1A (Small Entities) of Financial Reporting Standard 102

CARNEGIE CONSUMER FINANCE LIMITED

Notes to the Financial Statements

for the Period Ended 31 May 2025

2. Employees

2025 2024
Average number of employees during the period 3 3

CARNEGIE CONSUMER FINANCE LIMITED

Notes to the Financial Statements

for the Period Ended 31 May 2025

3. Tangible Assets

Total
Cost £
At 01 June 2024 38,802
Additions 101,006
At 31 May 2025 139,808
Depreciation
At 01 June 2024 12,066
Charge for year 30,699
At 31 May 2025 42,765
Net book value
At 31 May 2025 97,043
At 31 May 2024 26,736

CARNEGIE CONSUMER FINANCE LIMITED

Notes to the Financial Statements

for the Period Ended 31 May 2025

4. Debtors

2025 2024
££
Debtors due after more than one year: 5,047,242 5,666,797

Debtors within one year: Trade Debtors 2025 £2,218,447 2024 £3,733,890 Other Debtors 2025 £740,449 2024 £398,304

CARNEGIE CONSUMER FINANCE LIMITED

Notes to the Financial Statements

for the Period Ended 31 May 2025

5. Creditors: amounts falling due within one year note

Bank Loans & Overdrafts: 2025 £3,177,774 2024 £2,918,327 Trade Creditors: 2025 £561,643 2024 £883,026 Corporation Tax: 2025 £23,488 2024 £251 Other Creditors: 2025 £873,817 2024 £763,458

CARNEGIE CONSUMER FINANCE LIMITED

Notes to the Financial Statements

for the Period Ended 31 May 2025

6. Creditors: amounts falling due after more than one year note

Other Creditors: 2025 £2,937,017 2024 £4,770,663