AMERICAN EXPRESS SERVICES EUROPE LIMITED
Operating as an FCA-regulated subsidiary of the US-based American Express group, the company issues consumer and corporate credit and charge cards, manages reward schemes, and provides operational support services.
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Cash
£10M
-86.5% lowest in 3 filed years
Net assets
£1.3B
+3.9% highest in 3 filed years
Employees
—
Average over period
Profit before tax
£67M
-8.5% vs 2024
Net assets
3-year trend · vs Industrials median
Accounts
3-year trend · Δ = latest vs prior filed period · latest reflected 2025-12-31
| Metric | Trend | 2023-12-31 | 2024-12-31 | 2025-12-31 | Δ vs prior |
|---|---|---|---|---|---|
| Turnover | £3,121,800,000 | £2,293,275,000 | £2,528,722,000 | +10.3% | |
| Operating profit | £64,900,000 | £84,896,000 | £80,920,000 | -4.7% | |
| Profit before tax | £45,800,000 | £73,186,000 | £66,943,000 | -8.5% | |
| Net profit | £34,800,000 | £61,075,000 | £47,077,000 | -22.9% | |
| Cash | £72,500,000 | £77,070,000 | £10,432,000 | -86.5% | |
| Total assets less current liabilities | — | £1,593,397,000 | £1,648,553,000 | +3.5% | |
| Net assets | £1,194,100,000 | £1,265,298,000 | £1,315,272,000 | +3.9% | |
| Equity | £1,194,100,000 | £1,265,298,000 | £1,315,272,000 | +3.9% | |
| Average employees | 712 | 771 | — | — | |
| Wages | £88,500,000 | £332,162,000 | £362,702,000 | +9.2% | |
| Directors' remuneration | £1,500,000 | £2,241,000 | £2,149,000 | -4.1% |
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 | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|
| Operating margin | 2.1% | 3.7% | 3.2% | |
| Net margin | 1.1% | 2.7% | 1.9% | |
| Return on capital employed | — | 5.3% | 4.9% | |
| Gearing (liabilities / total assets) | 49.6% | 66.1% | 66.7% | |
| Current ratio | 1.15x | 1.62x | 1.60x | |
| Interest cover | 1.01x | 1.31x | 1.53x |
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 2 times since incorporation
- AMERICAN EXPRESS SERVICES EUROPE LIMITED 1995-03-27 → present
- AMERICAN EXPRESS SERVICES LIMITED 1985-06-04 → 1995-03-27
- CABLEHERON LIMITED 1984-07-16 → 1985-06-04
Audit & accounting basis
- Accounting basis
- IFRS
- Reporting scope
- Standalone (parent only)
- Auditor
- PricewaterhouseCoopers LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“Based on the work we have performed, we have not identified any material uncertainties relating to events or conditions that, individually or collectively, may cast significant doubt on the company's ability to continue as a going concern for a period of at least twelve months from when the financial statements are authorised for issue.”
Group structure
- AMERICAN EXPRESS SERVICES EUROPE LIMITED · parent
- American Express Italia s.r.l. 100%
- American Express de Espana S.A. 100%
- American Express Europe S.A. 54%
Significant events
- “Subsequent to the balance sheet date, geopolitical tensions in the Middle East have escalated. The Company is assessing the potential impact on its operations and at the time of signing these financial statements no significant impacts have been identified.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
8 active · 63 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| GILL, Gurinderjit Kaur | Secretary | 2021-08-21 | — | — |
| AGGARWAL, Arti | Director | 2022-10-13 | Jun 1979 | Indian |
| BOUVET, Caroline Jane | Director | 2025-12-01 | Sep 1979 | British |
| FENWICK, Lucy | Director | 2019-07-23 | Oct 1969 | British |
| HUSON, Julia Anne | Director | 2026-01-15 | Dec 1977 | British |
| LEWIS, Hannah Louise | Director | 2020-02-26 | Dec 1978 | British |
| SHARMA, Ruchi | Director | 2024-08-05 | Feb 1985 | Australian,British |
| TAYLOR, Christopher John | Director | 2022-11-30 | Dec 1978 | British |
Show 63 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BATES, James | Secretary | 2015-09-30 | 2017-10-02 |
| BROWN, Nola Jean | Secretary | 2014-09-25 | 2015-05-01 |
| LORIGAN, Michael Colm | Secretary | — | 1992-05-27 |
| MUDDIMAN, David James | Secretary | 2017-10-02 | 2021-08-20 |
| PRICE, Owen Gwyn | Secretary | 1992-05-27 | 2004-02-18 |
| EVERSECRETARY LIMITED | Corporate Secretary | 2008-10-01 | 2017-03-31 |
| MAWLAW SECRETARIES LIMITED | Corporate Secretary | 2004-02-18 | 2008-09-30 |
| ALEGRE, Arsenio Cunanan | Director | 2001-06-01 | 2002-05-01 |
| ALLDER, Thomas Howard | Director | 2012-01-26 | 2012-01-26 |
| ANDRETTA, Ralph John | Director | 1999-09-01 | 2001-06-01 |
| AUMULLER, Jurgen | Director | 1995-06-27 | 1997-11-13 |
| AXEL, Elisabeth Helen | Director | 2014-04-15 | 2014-11-30 |
| BAILEY, David John | Director | 2012-09-11 | 2025-11-28 |
| BARTON, William | Director | 1998-01-01 | 1999-11-08 |
| BERRIEN, Jim | Director | 1996-05-29 | 1998-11-11 |
| BRANNAN, Edward Eric | Director | — | 1995-06-29 |
| CARRIEDO, Carlos, Mr. | Director | 2018-07-18 | 2019-09-09 |
| CARVALHO, Jose | Director | 2016-05-06 | 2018-07-18 |
| CREWE, John | Director | 1992-05-27 | 1997-11-30 |
| CROTTY, James Francis | Director | 2005-09-22 | 2009-12-03 |
| DE TRAFFORD, John Humphrey, Sir | Director | 2002-01-01 | 2005-03-31 |
| DECKER, Werner Heinrich | Director | 2009-03-25 | 2011-12-01 |
| DUERDEN, Charlotte Anne | Director | 2015-10-30 | 2022-02-08 |
| EDELMAN, Daniel James, Dr | Director | 2019-01-17 | 2019-10-10 |
| EDWARDS, Michael Ronald, Dr | Director | 2009-03-25 | 2012-12-10 |
| EMINIAN, Vahan | Director | 1998-01-01 | 2002-05-01 |
| FILSHIE, Alexander | Director | 2006-12-06 | 2012-09-10 |
| GARCIA, Rafael Francisco Marquez | Director | 2014-05-09 | 2019-09-30 |
| GODFREY, Peter Winston Patrick | Director | 1998-01-01 | 2001-12-31 |
| GRAFFLIN, Jill Elizabeth | Director | 2014-09-11 | 2019-04-26 |
| HARGREAVES, Paul Thomas | Director | 2009-09-21 | 2016-05-06 |
| JOABAR, Raymond | Director | 2009-03-25 | 2012-02-02 |
| KELLY, Terence John | Director | — | 1995-06-29 |
| KEREERE, Suzan Bulyaba | Director | 2009-12-16 | 2010-04-27 |
| KISNADWALA, Nayan Vithaldas | Director | 2002-05-01 | 2003-12-31 |
| KUNG, Mimi | Director | 2014-06-06 | 2015-03-06 |
| KUNG, Mimi | Director | 2009-03-25 | 2012-02-08 |
| KUNG, Mimi | Director | 2004-04-01 | 2007-02-28 |
| LARKIN, James Thomas | Director | — | 1995-06-29 |
| LINDH, Hans | Director | 1997-06-01 | 2002-01-25 |
| LOMBARDELLI, Caroline Vivien | Director | 1999-11-08 | 2005-09-22 |
| LUNDBERG, Ian | Director | 2010-07-27 | 2012-09-28 |
| MACHIN, Katrina | Director | 2011-02-09 | 2012-05-15 |
| MARTIN MELCHOR, Ramon | Director | 2008-04-21 | 2009-02-12 |
| MCDONELL, John Joseph Peter | Director | 1996-05-29 | 1998-06-29 |
| MONGA, Sulabh | Director | 2020-05-22 | 2022-10-11 |
| MURDEN, Vanessa Ann | Director | 2014-09-15 | 2015-11-03 |
| MURRAY, David Paul | Director | 2016-06-06 | 2019-11-22 |
| NICKSON, Russell Paul | Director | 2013-01-30 | 2014-06-05 |
| O'FLAHERTY, Colin Gerard John Paul | Director | 2019-09-10 | 2021-03-26 |
| PALACIOS, Ross | Director | 1996-05-29 | 1999-09-01 |
| PETRUCCELLI, Charles | Director | 1995-06-27 | 1997-11-30 |
| POWERS-FREELING, Laurel Claire | Director | 2005-09-22 | 2006-11-07 |
| QUARRA, Massimo Adriano | Director | 2002-01-01 | 2012-09-06 |
| RABIELA PINEDA, Emma Alicia | Director | 2007-07-30 | 2009-03-18 |
| RICHARDSON, Steven Gary | Director | 1995-06-27 | 1997-11-30 |
| SAWYERS, Beverly Marsha | Director | 2020-03-05 | 2025-01-29 |
| STERBENZ, Stacey Lynn | Director | 2021-12-02 | 2024-05-13 |
| TASWELL, Peter | Director | 2020-03-05 | 2022-06-24 |
| TURNER, Emily Elizabeth | Director | 2012-08-01 | 2018-07-11 |
| VARADHAN, Arvind, Mr. | Director | 2019-07-30 | 2020-05-13 |
| WALSH, Brendan Gerard | Director | 2005-09-22 | 2015-03-24 |
| WALSH, Colin | Director | 2012-03-16 | 2013-12-03 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| American Express Holdings Limited | Corporate entity | Shares 75–100%, Voting 75–100% | 2016-06-30 | Active |
Filing timeline
Last 20 of 322 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-05-31 | AA | accounts | Accounts with accounts type full | |
| 2026-01-19 | AP01 | officers | Appoint person director company with name date | |
| 2025-12-02 | AP01 | officers | Appoint person director company with name date | |
| 2025-12-01 | TM01 | officers | Termination director company with name termination date | |
| 2025-07-08 | AAMD | accounts | Accounts amended with accounts type full | |
| 2025-06-11 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2025-06-06 | AA | accounts | Accounts with accounts type full | |
| 2025-02-11 | RP04AR01 | annual-return | Second filing of annual return with made up date | |
| 2025-02-11 | RP04AR01 | annual-return | Second filing of annual return with made up date | |
| 2025-01-30 | TM01 | officers | Termination director company with name termination date | |
| 2024-12-23 | RP04CS01 | confirmation-statement | Second filing of confirmation statement with made up date | |
| 2024-12-23 | RP04AR01 | annual-return | Second filing of annual return with made up date | |
| 2024-12-23 | RP04AR01 | annual-return | Second filing of annual return with made up date | |
| 2024-12-23 | RP04AR01 | annual-return | Second filing of annual return with made up date | |
| 2024-12-23 | RP04AR01 | annual-return | Second filing of annual return with made up date | |
| 2024-12-23 | RP04AR01 | annual-return | Second filing of annual return with made up date | |
| 2024-08-09 | AP01 | officers | Appoint person director company with name date | |
| 2024-06-10 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-06-05 | AA | accounts | Accounts with accounts type full | |
| 2024-05-16 | TM01 | officers | Termination director company with name termination date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 5
- Capital events
- 0
- Officers appointed
- 2
- Officers resigned
- 1
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.