What Optimise Finance say about themselves
“Optimise Finance help you secure loans and mortgages for any purpose. Options for all financial situations, loans from £10K–£50K, all credit scores considered.”
Optimise Finance Limited
- Incorporated
- 10 September 2004 (22 years)
- Previously known as
- My Sort of Loan Limited (until 3 April 2023)Hallco 1095 Limited (until 17 November 2004)
- Industry
- Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors (64921)
- Directors
- Stephen Sumner
- Owned by
- Isabella Marie-Claire Webb
- Accounts type
- Unaudited abridged
- Region
- North West
- Address
- 9 King Edward Street9 King Edward StreetMacclesfieldSK10 1AQ
Website & contact details
- Website
Filing status
- Accounts due
- 31 January 2027
- Last accounts
- 30 April 2025
- Conf. stmt due
- 10 April 2027
- Last conf. stmt
- 27 March 2026
Officers 1 active
Officer details are public data from the Companies House register.
Sumner, Stephen
Director · Appointed 6 January 2010
British
Born May 1970 (56)
Officer history (5 former)
26 February 2019
Resigned Johnson, Gerard Anthony as Director
6 January 2010
Appointed Sumner, Stephen as Director
16 September 2009
Appointed Johnson, Gerard Anthony as Director
16 September 2009
16 September 2009
11 November 2004
11 November 2004
11 November 2004
11 November 2004
10 September 2004
10 September 2004
Ownership 1 active
People and entities with significant control, from the Companies House PSC register
Isabella Marie-Claire Webb
Individual · Notified 20 December 2017
Owns 50–75% of shares
Holds 50–75% of voting rights
English
Born February 1965 (61)
Former controllers (2)
20 December 2017
Ceased Stephen Sumner — Owns 25–50% of shares
20 December 2017
Ceased Gerard Anthony Johnson — Owns 25–50% of shares
Financials
Balance sheet as at 30 April 2025 · unaudited abridged accounts
- Net Assets
- (£266,749)
- Cash
- £221,340
- Employees
- 11
- Debt Ratio
- 159%
- Current Ratio
- 1.4x
Trend
Net Assets
Balance sheet detail
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | |
|---|---|---|---|---|---|---|
| Fixed Assets | £8,713 | £9,535 | £11,651 | £28,633 | £41,068 | £59,086 |
| Current Assets | £442,345 | £236,703 | £170,977 | £185,580 | £242,574 | £311,690 |
| Debtors | £221,005 | £172,024 | £162,403 | £175,297 | £170,414 | £168,393 |
| Cash | £221,340 | £64,679 | £8,574 | £10,283 | £72,160 | £143,297 |
| Creditors (< 1 year) | £326,191 | £189,695 | £127,530 | £97,812 | £336,846 | £365,244 |
| Creditors (> 1 year) | £391,616 | £425,023 | £332,284 | £306,407 | £50,000 | |
| Net Current Assets | £116,154 | £47,008 | £43,447 | £87,768 | (£94,272) | (£53,554) |
| Net Assets | (£266,749) | (£368,480) | (£277,186) | (£190,006) | (£103,204) | £5,532 |
| Shareholder Funds | (£266,749) | (£368,480) | (£277,186) | (£190,006) | (£103,204) | £5,532 |
Filings
Recent filings only. See the full history on Companies House
| Date | Description | Made Up To | Pages | |
|---|---|---|---|---|
| 1 May 2026 | Confirmation statement with no updates | 27 March 2026 | ||
| 18 September 2025 | Unaudited abridged accounts | 30 April 2025 | ||
| 13 May 2025 | Confirmation statement with no updates | 27 March 2025 | ||
| 22 January 2025 | Unaudited abridged accounts | 30 April 2024 | ||
| 29 November 2024 | Registered office address changed |
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