AA FINANCIAL SERVICES LIMITED
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Cash
—
Latest balance sheet
Net assets
£29m
-3.2% lowest in 3 filed years
Employees
9
+12.5% vs 2025
Profit before tax
-£1.5m
-497.5% lowest in 3 filed years
Net assets
3-year trend · vs Financials median
Accounts
3-year trend · Δ = latest vs prior filed period · latest reflected 2026-01-31
| Metric | Trend | 2024-01-31 | 2025-01-31 | 2026-01-31 | Δ vs prior |
|---|---|---|---|---|---|
| Turnover | £5,061,000 | £1,202,000 | £3,343,000 | +178.1% | |
| Operating profit | £986,000 | -£1,459,000 | -£2,149,000 | -47.3% | |
| Profit before tax | £1,790,000 | -£243,000 | -£1,452,000 | -497.5% | |
| Net profit | £1,357,000 | -£196,000 | -£1,147,000 | -485.2% | |
| Cash | — | — | — | — | |
| Total assets less current liabilities | — | £29,490,000 | £28,568,000 | -3.1% | |
| Net assets | £29,630,000 | £29,490,000 | £28,557,000 | -3.2% | |
| Equity | £29,630,000 | £29,490,000 | £28,557,000 | -3.2% | |
| Average employees | 11 | 8 | 9 | +12.5% | |
| Wages | £1,010,000 | £911,000 | £1,012,000 | +11.1% | |
| Directors' remuneration | — | £1,178,000 | — | — |
Values shown as filed in the company's annual accounts. — indicates the figure wasn't present under that line item in that period. The Δ column is the change from the prior filed period as a percentage of |prior|; lines a company doesn't report show —. About these numbers
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2024-01-31 | 2025-01-31 | 2026-01-31 |
|---|---|---|---|---|
| Operating margin | 19.5% | -121.4% | -64.3% | |
| Net margin | 26.8% | -16.3% | -34.3% | |
| Return on capital employed | — | -4.9% | -7.5% | |
| Gearing (liabilities / total assets) | 8.3% | 4.8% | 6.9% | |
| Current ratio | 12.06x | 18.23x | 12.46x |
Margins divide P&L lines by turnover. Gearing is liabilities over total assets. Current ratio is current assets over creditors falling due within one year. Interest cover is operating profit over absolute finance costs. Sector-distribution context coming next.
Name history
Renamed 4 times since incorporation
- AA FINANCIAL SERVICES LIMITED 2000-10-16 → present
- AA COMMERCIAL INSURANCE SERVICES LIMITED 1996-04-10 → 2000-10-16
- AA COMMERCIAL INSURANCE BROKERS LIMITED 1985-07-11 → 1996-04-10
- DEVITT & ASSOCIATES LIMITED 1980-12-31 → 1985-07-11
- BACON EVERITT & ASSOCIATES LIMITED 1967-08-02 → 1980-12-31
Audit & accounting basis
- Accounting basis
- FRS 101
- Reporting scope
- Standalone (parent only)
- Auditor
- PricewaterhouseCoopers LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The Directors have concluded that the Company has sufficient funds to continue trading for this period and the foreseeable future without significant curtailment of operations. Therefore, the financial statements have been prepared using the going concern basis.”
Significant events
- “In May 2025, the Company launched a new partnership with NatWest Boxed to offer unsecured personal loans and instant access savings to retail customers.”
- “The FCA has confirmed a lender-led motor finance redress scheme covering historical commission and tied-arrangement disclosure failings, with final rules narrower than the consultation. As a secondary broker rather than the party leading redress, AAFS is not financially exposed any impact is expected to be operational and evidential only.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
3 active · 60 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| COX, James Edward | Secretary | 2021-10-01 | — | — |
| PARK, Joseph Augustus | Director | 2022-04-01 | Dec 1970 | British |
| PARPIA, Alia Hermione Manu | Director | 2025-02-11 | Aug 1983 | British |
Show 60 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| DAVIES, John | Secretary | 2007-09-18 | 2012-08-17 |
| FREE, Catherine Marie | Secretary | 2018-04-17 | 2019-01-30 |
| HARRISON, Maxine Louise | Secretary | 2000-12-29 | 2002-03-14 |
| HARRISON, Maxine Louise | Secretary | 1997-01-14 | 1999-09-23 |
| HAYNES, Victoria | Secretary | 2013-07-31 | 2014-04-22 |
| HOOSEN, Nadia | Secretary | 2019-01-30 | 2021-05-31 |
| MILLAR, Mark Falcon | Secretary | 2014-09-08 | 2018-04-17 |
| RITCHIE, Ian | Secretary | 1999-09-23 | 2000-09-01 |
| SCOTT, Robert James | Secretary | 2014-04-22 | 2014-09-08 |
| SKEEN, Colin Jeffrey | Secretary | — | 1998-01-14 |
| STRINGER, Andrew Paul | Secretary | 2012-08-17 | 2013-07-31 |
| TOUSDALE, Carolyn | Secretary | 2005-06-01 | 2007-09-18 |
| CENTRICA SECRETARIES LIMITED | Corporate Secretary | 2002-03-14 | 2004-09-30 |
| CENTRICA SECRETARIES LIMITED | Corporate Secretary | 2000-09-01 | 2000-12-29 |
| CLIFFORD CHANCE SECRETARIES (CCA) LIMITED | Corporate Secretary | 2004-09-30 | 2005-06-01 |
| ASHTON, Stephen David | Director | 2009-08-28 | 2011-06-30 |
| BOLAND, Andrew Kenneth | Director | 2013-01-31 | 2014-12-19 |
| BREAKWELL, Simon John | Director | 2019-06-27 | 2020-07-17 |
| BRISCOE, Andrew Mark | Director | 2002-01-10 | 2003-01-28 |
| BROWN, Barry Robert | Director | — | 1994-05-09 |
| CALDWELL, Lucy Elizabeth | Director | 1999-09-23 | 2000-12-20 |
| CHINN, Trevor Edwin, Sir | Director | 2004-09-30 | 2005-02-18 |
| CLARKE, Martin Andrew, Dr | Director | 2015-07-01 | 2015-12-14 |
| COOKE, Christopher Michael | Director | 1993-09-20 | 1995-03-13 |
| COUGHLAN, David Patrick | Director | 2020-07-17 | 2022-03-15 |
| FAIRCLOUGH, James Edward | Director | 2019-07-19 | 2022-12-31 |
| FLEMING, Catherine Elinor | Director | 1998-09-03 | 1999-06-08 |
| GARRIHY, Anne | Director | 1999-09-23 | 2000-12-20 |
| GOODSELL, John Andrew | Director | 2009-10-14 | 2014-06-03 |
| HARRISON, Maxine Louise | Director | 1998-09-03 | 1999-09-23 |
| HIDDLESTON, David James | Director | — | 1994-05-24 |
| HORVATH, Briony Jennifer | Director | 2023-01-01 | 2024-11-01 |
| HOWARD, Stuart Michael | Director | 2007-09-18 | 2014-06-03 |
| HUGGINS, Mark | Director | 2009-08-28 | 2015-09-30 |
| HURLEY, Roy Benjamin Matthew | Director | — | 1993-07-15 |
| JANSEN, Christopher Trevor Peter | Director | 2014-01-06 | 2014-08-31 |
| JOHNSON, Michael | Director | 2015-12-14 | 2017-06-30 |
| LLOYD, Michael Samuel | Director | 2015-12-14 | 2018-06-08 |
| LOWE, George Henry | Director | — | 1998-09-03 |
| MACKENZIE, Robert David | Director | 2015-07-01 | 2015-12-14 |
| MILES, Lewis David | Director | 2018-07-20 | 2020-01-14 |
| MILLAR, Mark Falcon | Director | 2015-07-01 | 2015-12-14 |
| PARKER, Timothy Charles | Director | 2004-09-30 | 2007-09-18 |
| PETT, Colin Spencer | Director | 2000-12-20 | 2003-01-28 |
| POMROY, Jennifer Margaret | Director | 1999-06-08 | 1999-09-23 |
| PRICE, Gregory Laurence | Director | 2017-06-30 | 2018-08-31 |
| PRITCHARD, Gillian Rosemary | Director | 2016-04-30 | 2016-05-24 |
| RICHARDSON, Kerry Francis | Director | 2000-12-20 | 2002-01-14 |
| RICHARDSON, Kerry Francis | Director | 1996-10-31 | 1998-09-03 |
| RITCHIE, Ian | Director | 1999-09-23 | 2000-12-20 |
| ROLLINS, David Thomas | Director | 2000-12-20 | 2003-01-28 |
| SCOTT, Robert James | Director | 2014-09-17 | 2016-04-30 |
| SEARLE, David Richard | Director | 2018-06-08 | 2019-08-01 |
| SNELL, Michael Clive | Director | — | 1993-08-19 |
| STRONG, Andrew Jonathan Peter | Director | 2007-09-18 | 2014-01-06 |
| TAYLOR, Mark Robert | Director | 2000-12-20 | 2001-12-18 |
| WOOD, Gregory Mark | Director | 1994-06-29 | 1996-10-31 |
| WOOLF, Paul Antony | Director | 2005-02-18 | 2007-09-18 |
| CENTRICA DIRECTORS LIMITED | Corporate Director | 2003-01-28 | 2004-09-30 |
| CENTRICA SECRETARIES LIMITED | Corporate Director | 2003-01-28 | 2004-09-30 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Automobile Association Insurance Services Holdings Limited | Corporate entity | Shares 75–100% (as firm) | 2016-04-06 | Active |
Filing timeline
Last 20 of 296 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-07-28 | AA | accounts | Accounts with accounts type full | |
| 2026-06-26 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-07-24 | AA | accounts | Accounts with accounts type full | |
| 2025-07-05 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-07-04 | CH01 | officers | Change person director company with change date | |
| 2025-06-23 | PSC05 | persons-with-significant-control | Change to a person with significant control | |
| 2025-02-18 | AP01 | officers | Appoint person director company with name date | |
| 2024-11-11 | TM01 | officers | Termination director company with name termination date | |
| 2024-11-01 | AD01 | address | Change registered office address company with date old address new address | |
| 2024-10-08 | AA | accounts | Accounts with accounts type full | |
| 2024-07-02 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-10-26 | AA | accounts | Accounts with accounts type full | |
| 2023-06-21 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-01-09 | AP01 | officers | Appoint person director company with name date | |
| 2023-01-09 | TM01 | officers | Termination director company with name termination date | |
| 2022-10-31 | AA | accounts | Accounts with accounts type full | |
| 2022-06-21 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-04-01 | AP01 | officers | Appoint person director company with name date | |
| 2022-03-15 | TM01 | officers | Termination director company with name termination date | |
| 2021-10-12 | AP03 | officers | Appoint person secretary company with name date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 2
- Capital events
- 0
- Officers appointed
- 0
- Officers resigned
- 0
last 12 months
last 24 months
last 12 months
last 12 months
Direct counts from the register. No score, no rating — see the Filing timeline for the underlying events.