What Happy Motor Finance say about themselves
“Get approved for car finance today, even with bad credit. Apply online in minutes with no effect on your credit score. PCP, HP & more available.”
Happy Motor Finance Limited
- Incorporated
- 30 September 2022 (4 years)
- Previously known as
- My PCP Refinance Limited (until 17 October 2022)This list may be incomplete. See all names on Companies House
- Industry
- Activities of insurance agents and brokers (66220)
- Owned by
- Accounts type
- Micro entity
- Region
- West Midlands
- Address
- Genesis CentreUnit 18 North Staffs Business ParkInnovation WayStoke-On-TrentST6 4BF
Website & contact details
- Website
Filing status
- Accounts due
- 30 June 2027
- Last accounts
- 30 September 2025
- Conf. stmt due
- 13 October 2027
- Last conf. stmt
- 29 September 2026
Officers
This list may be incomplete. See all officers on Companies House
Officer details are public data from the Companies House register.
Director · Appointed 31 October 2026
British
Born January 1983 (43)
Director · Appointed 31 October 2026
British
Born August 1987 (39)
Officer history (2 former)
31 October 2026
31 October 2026
31 October 2026
31 October 2026
Resigned Royle, Matthew John as Director
17 January 2023
30 September 2022
Appointed Royle, Matthew John as Director
Ownership 1 active
People and entities with significant control, from the Companies House PSC register
Corporate entity · Notified 31 October 2026
Owns 75–100% of shares
Holds 75–100% of voting rights
Right to appoint and remove directors
Private Company Limited By Shares
Reg. no. 13599538
Former controllers (2)
31 October 2026
31 October 2026
Ceased Matthew John Royle — Owns 25–50% of shares
Group structure 6 companies
Ownership group derived from the Companies House PSC register
Happy Motor Finance Limited This company Owns 75–100% of shares
JF2026 Ltd Owns 75–100% of shares
Jigsaw Finance Limited Owns 75–100% of shares
Matrix Credit Limited Owns 75–100% of shares
PC Finance Limited Owns 75–100% of shares
Financials
Balance sheet as at 30 September 2025 · micro entity accounts
- Net Assets
- (£8,466)
- Employees
- 8
- Debt Ratio
- 112%
- Current Ratio
- 16.9x
Trend
Net Assets
Balance sheet detail
| 2025 | 2024 | 2023 | |
|---|---|---|---|
| Fixed Assets | £375 | £1,827 | £3,278 |
| Current Assets | £68,105 | £66,409 | £57,269 |
| Creditors (< 1 year) | £4,024 | £4,694 | £12,201 |
| Creditors (> 1 year) | £62,400 | £62,400 | £41,400 |
| Net Current Assets | £64,472 | £62,048 | £45,273 |
| Net Assets | (£8,466) | (£41,010) | £2,514 |
| Shareholder Funds | (£8,466) | (£41,010) | £2,514 |
Filings
Recent filings only. See the full history on Companies House
| Date | Description | Made Up To | Pages | |
|---|---|---|---|---|
| 2 November 2026 | Appointment of a director | |||
| 2 November 2026 | Appointment of a director | |||
| 2 November 2026 | Cessation of a person with significant control | |||
| 2 November 2026 | Cessation of a person with significant control | |||
| 2 November 2026 | Termination of appointment of a director |
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