What does “registering a charge” with the ROC mean when we borrow?
Reviewed June 2026
When a company borrows against security — stock, receivables, machinery, property — the lender's interest is recorded publicly by registering a charge with the Registrar within the prescribed timeline. It's the corporate register that tells the world which assets carry whose security.
The mirror step is just as important: when a loan is repaid, filing the satisfaction of charge clears the public record. Companies that skip this find old, settled loans still showing against their assets years later — a needless question mark during the next loan proposal or due diligence.
A tidy charge index reads as a well-managed company: lenders see exactly what's free and what's secured, and credit decisions move faster. We handle charge creation, modification and satisfaction filings as part of routine secretarial work — borrow, repay, and keep the record gleaming.
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This explainer simplifies the law on purpose and is general guidance, not advice on your specific facts. Rules, rates and thresholds evolve. For your situation, talk to us — that first conversation is exactly what we’re here for.