Central Trust
A Norwich-based secured lender in the Norfolk Capital group, lending second-charge loans and, since 2026, regulated bridging. Loans it makes are sold to a sister funding company backed by a bank facility.
Checked against its sources on · Public records, not a recommendation
Who the lender is
- Lending company
- Central Trust Limited
- Companies House
- 07020381
- FCA status
- Authorised since 27 July 2016 · FRN 739724
- Incorporated
- 16 September 2009
- Registered office
- 25–27 Surrey Street, Norwich NR1 3NX
- Website
- centraltrust.co.uk
- Ownership
- Norfolk Capital Group Limited (09438815) → Turner Capital Limited (13209283) → Andrew Clive Turner (person with significant control)
What the accounts show
Figures as filed at Companies House, in pounds. Changes compare the latest year with the year before.
| Item | 31 Dec 2025 | 31 Dec 2024 | Change | Where |
|---|---|---|---|---|
| Loans to customers, net | £52,674,000 | £55,565,000 | −5.2% | PDF page 24 (note 14) |
| Impairment provision | £98,000 | £117,000 | −16.2% | PDF page 25 (note 14) |
| Turnover (interest and fee income) | £5,770,000 | £6,062,000 | −4.8% | PDF page 13 (income statement) |
| Interest payable on bank loans | £2,274,000 | £1,912,000 | +18.9% | PDF page 21 (note 8) |
| Profit before tax | £2,064,000 | £2,157,000 | — | PDF pages 13 and 22 (note 9) |
| Net assets | £28,659,000 | £30,111,000 | — | PDF page 14 (balance sheet) |
Source: Annual report, filed 14 May 2026. Figures from the pages shown.
| Item | 31 Dec 2025 | 31 Dec 2024 | Change | Where |
|---|---|---|---|---|
| Turnover | £2,000,000 | £1,763,000 | +13.4% | PDF page 13 (income statement) |
| Profit before tax | £1,101,000 | £2,854,000 | — | PDF page 13. Includes £3.0m dividend from its funding company (2024: £5.0m) |
| Net assets | £41,394,000 | £41,072,000 | — | PDF page 14 (balance sheet) |
| Average staff | 41 | 43 | −4.7% | PDF page 22 (note 7) |
Source: Annual report, filed 14 May 2026. Figures from the pages shown.
Financial Ombudsman decisions
The Ombudsman has published 5 final decisions about Central Trust Limited between 1 January 2023 and 20 October 2026. 2 were upheld in the customer’s favour, in whole or in part.
This counts decisions, not complaints. Most complaints are resolved by the lender or at an earlier stage, and the number of decisions reflects the size and age of a lender’s book as well as how it treats customers.
| Theme | Decisions | Upheld |
|---|---|---|
| Affordability | 2 | 0 |
| Account administration | 1 | 0 |
| Arrears and legal action | 1 | 1 |
| Redemption charges | 1 | 1 |
Source: Financial Ombudsman Service decisions database. Themes assigned by the Secured Loan Index from each decision's summary of the complaint.
| Decision | Date | Theme | Outcome |
|---|---|---|---|
| DRN-6190726 | 3 Mar 2026 | Arrears and legal action | Upheld |
| DRN-5868042 | 31 Oct 2025 | Affordability | Not upheld |
| DRN-5691764 | 30 Jul 2025 | Redemption charges | Upheld |
| DRN-5383708 | 16 May 2025 | Account administration | Not upheld |
| DRN-4278426 | 8 Nov 2023 | Affordability | Not upheld |
Source: Financial Ombudsman Service. Dates as shown in its decisions database. Searched 20 October 2026.
Published complaint figures
Central Trust does not appear in the FCA's firm-level complaints data for the second half of 2025, which lists only firms reporting 500 or more complaints in the half-year.
It does not appear in the Ombudsman's latest published complaint figures for individual businesses (July 2025 to March 2026), which cover businesses with at least 45 complaints received and resolved in the period.