PARATUS AMC LIMITED
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Cash
—
Latest balance sheet
Net assets
£151m
-26.5% lowest in 3 filed years
Employees
294
+8.9% vs 2024
Profit before tax
-£7.9m
-138.7% lowest in 3 filed years
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
Confirmation statement overdue
Due 2026-07-12.
Net assets
3-year trend · vs Financials median
PARATUS AMC LIMITED·Financials median
PARATUS AMC LIMITED·Financials median
PARATUS AMC LIMITED·Financials median
PARATUS AMC LIMITED·Financials median
PARATUS AMC LIMITED·Financials 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 |
|---|---|---|---|---|---|
| Net interest income | — | £44,300,000 | £52,200,000 | +17.8% | |
| Fee & commission income | — | £10,300,000 | £12,100,000 | +17.5% | |
| Operating income | — | £48,400,000 | £58,300,000 | +20.5% | |
| Impairment losses | — | £1,000,000 | £1,800,000 | +80% | |
| Profit before tax | £6,600,000 | £20,400,000 | -£7,900,000 | -138.7% | |
| Net profit | £5,600,000 | £18,400,000 | -£6,300,000 | -134.2% | |
| Loans & advances to customers | — | £3,864,900,000 | £3,218,900,000 | -16.7% | |
| Customer deposits | — | £3,722,600,000 | £3,148,700,000 | -15.4% | |
| Total assets | £4,547,500,000 | £4,181,900,000 | £3,522,100,000 | -15.8% | |
| Total liabilities | — | £3,976,700,000 | £3,371,200,000 | -15.2% | |
| Equity | £228,400,000 | £205,200,000 | £150,900,000 | -26.5% | |
| Average employees | 305 | 270 | 294 | +8.9% |
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 |
|---|---|---|---|---|
| Gearing (liabilities / total assets) | 95.0% | 95.1% | 95.7% | |
| Current ratio | 3.86x | 3.39x | — |
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 3 times since incorporation
- PARATUS AMC LIMITED 2011-01-28 → present
- GMAC-RFC LIMITED 2000-07-03 → 2011-01-28
- RFC MORTGAGE SERVICES LIMITED 1998-01-30 → 2000-07-03
- ALNERY NO.1713 LIMITED 1998-01-06 → 1998-01-30
Audit & accounting basis
- Accounting basis
- IFRS
- Reporting scope
- Consolidated group
- Auditor
- Ernst & Young LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The Directors have identified no material uncertainties and are comfortable that for the period of the assessment (up to 31 October 2027) the Group can continue to operate as a going concern.”
Group structure
- PARATUS AMC LIMITED · parent
- Twin Bridges 2021-1 Plc 0%
- Twin Bridges 2021-2 Plc 0%
- Twin Bridges 2022-1 Plc 0%
- Twin Bridges 2023-1 Plc 0%
- Twin Bridges 2023-2 Plc 0%
- Brants Bridge 2023-1 Plc 0%
- Braccan Mortgage Funding 2024-1 Plc 0%
- Braccan Mortgage Funding 2025-1 Plc 0%
- Braccan Mortgage Funding 2025-2 Plc 0%
- Orion No.1 Funding Limited 0%
Significant events
- “In 2025, the Group's Loans secured by mortgaged properties reduced from £3,865m in 2024 to £3,219m as at the end of 2025. This reduction reflected the Group's strategy to simplify the business and resulted in £451m of legacy mortgages being sold.”
- “In 2025, the Group sold a number of debt securities it held that had been issued by RMAC No.3 Plc and Stanlington No.2 Pic to align with the Group's current risk appetite and approach to simplify the business.”
- “In 2025, the Group added 2 new securitisations amounting to £958m of mortgage loans, "Braccan Mortgage Funding 2025-1 Plc" and "Braccan Mortgage Funding 2025-2 Plc" comprising both BTL and Owner-Occupied mortgage loans.”
- “In 2025, three of the Group's SPVs, Brants Bridge 2022-1 Plc, Twin Bridges 2022-2 Pic and Twin Bridges 2022-3 Plc, reached their Optional Redemption Date ("ORD") as per the respective Prospectus. Mortgages within these entities were sold to an affiliated entity.”
- “Subsequent to year end Foundation Home Loans was re-branded to Foundation.”
- “Following the financial year end, one of the SPVs within the Group, Twin Bridges 2021-1 Plc reached the Optional Redemption Date as per the respective Prospectus. The Group made the decision to call the deal at the Optional Redemption Date and the underlying mortgages have subsequently been retained within the Group. All the outstanding notes and liabilities in the securitisation vehicle were settled by the Group.”
- “In April 2026 the Group added a new securitisation amounting to £425m of mortgage loans, "Braccan Mortgage Funding 2026-1 Plc" comprising both BTL and Owner-Occupied mortgage loans".”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
7 active · 47 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| TOWNSEND, Nicola | Secretary | 2018-09-18 | — | — |
| BALL, Peter Simon | Director | 2024-04-29 | Jul 1968 | British |
| CROWE JR, Kevin Edward | Director | 2022-03-23 | Jul 1982 | American |
| LAPUMA, Elizabeth Anne | Director | 2024-03-27 | Mar 1979 | American |
| LOCKE, Jonathan Charles | Director | 2022-03-23 | Sep 1962 | British |
| RIO CORTES, Jesus Maria | Director | 2022-03-23 | Dec 1971 | Spanish,British |
| YALCINKAYA, Seda | Director | 2023-12-31 | Jun 1973 | Turkish |
Show 47 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| ATKIN, Dean | Secretary | 2016-01-26 | 2018-09-18 |
| EDMONDS, Karen Britt | Secretary | 2000-05-02 | 2008-01-31 |
| GEBERBAUER, Hans | Secretary | 2010-10-01 | 2016-01-26 |
| HAMZEHPOUR, Tammy | Secretary | 1999-02-24 | 2001-10-16 |
| QUENNEVILLE, Cathy Lynn | Secretary | 1998-01-30 | 1999-02-24 |
| SIMPSON, Phillip Bertram | Secretary | 2008-01-31 | 2010-10-01 |
| ALNERY INCORPORATIONS NO 1 LIMITED | Corporate Nominee Secretary | 1998-01-06 | 1998-01-30 |
| ACHESON, William Brian | Director | 2004-09-16 | 2007-03-22 |
| APPEL, Robert Louis | Director | 2002-12-17 | 2005-06-28 |
| BLIGHT, Godfrey | Director | 2000-06-29 | 2010-10-01 |
| BODE, Carol Ann | Director | 2001-11-01 | 2005-02-01 |
| BRADLEY, Colin Walter | Director | 2000-05-02 | 2005-06-28 |
| BRAKES, David Michael Paul | Director | 2004-04-05 | 2005-02-01 |
| BROCKLEHURST, Paul Michael | Director | 2001-06-11 | 2004-01-28 |
| DAMMEN, Keenen Wyn | Director | 1998-01-30 | 1999-02-24 |
| DANIELL, Robert William Blackburn | Director | 2005-12-13 | 2009-10-14 |
| DE BLOCQ VAN KUFFELER, John Philip | Director | 2015-02-26 | 2022-03-23 |
| DUGGLEBY, Colin | Director | 2000-03-14 | 2003-05-10 |
| FAGAN, William Francis | Director | 2004-09-16 | 2008-05-13 |
| FEGAN, Nicholas Paul | Director | 2014-10-23 | 2022-03-23 |
| FREEMAN, Timothy, Mr. | Director | 1998-01-30 | 2000-06-29 |
| GEBERBAUER, Hans | Director | 2010-10-01 | 2024-04-29 |
| HAUSDOERFER, Michael Paul | Director | 2000-06-29 | 2001-01-19 |
| HERBERT, Glen | Director | 2000-06-29 | 2005-02-01 |
| HOJLO, Christopher John | Director | 2022-03-23 | 2023-12-31 |
| HYNES, Stephen Mortimer | Director | 2002-09-19 | 2005-02-01 |
| JONES, Karen Louise | Director | 2002-04-02 | 2002-11-21 |
| KEEBLE, Anthony John | Director | 2014-01-31 | 2019-10-22 |
| KNIGHT, Simon Timothy Talbot | Director | 2005-02-28 | 2010-10-01 |
| KNIGHT, Simon Timothy Talbot | Director | 2000-06-29 | 2001-09-27 |
| KNIGHT, Stephen Charles | Director | 2000-06-29 | 2007-06-21 |
| LINGHAM, Sri | Director | 2000-06-29 | 2002-03-18 |
| LINKAS, Christopher Carl | Director | 2013-12-20 | 2022-03-23 |
| LUNDGREN, Jefrey Andrew | Director | 2007-02-06 | 2009-11-30 |
| MAHER, Dominic | Director | 2018-06-01 | 2024-04-29 |
| MCMILLAN, Eileen | Director | 2007-02-01 | 2009-10-08 |
| MYHILL, Stephen Richard | Director | 1999-01-24 | 1999-04-29 |
| NIVEN, Scott Michael | Director | 2010-10-01 | 2014-06-06 |
| NORDEEN, Christopher Jon | Director | 2008-04-30 | 2008-12-19 |
| NORDEEN, Christopher Jon | Director | 1998-01-30 | 2000-06-29 |
| PENSABENE III, Joseph Anthony | Director | 2009-06-11 | 2010-10-01 |
| SEARLE, Barry Roy | Director | 2000-06-29 | 2007-09-20 |
| SINDEN, Neil Brian | Director | 2004-01-02 | 2005-04-01 |
| THOMAS, Douglas Boyd | Director | 2010-10-01 | 2013-12-20 |
| WILLIAMS, Timothy Martin | Director | 2000-12-01 | 2001-10-02 |
| ALNERY INCORPORATIONS NO 1 LIMITED | Corporate Nominee Director | 1998-01-06 | 1998-01-30 |
| ALNERY INCORPORATIONS NO 2 LIMITED | Corporate Nominee Director | 1998-01-06 | 1998-01-30 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Olive Uk Opco Limited | Corporate entity | Shares 75–100%, Voting 50–75%, Appoints directors | 2022-03-23 | Active |
| Sterling Holdings Lp | Corporate entity | Shares 75–100%, Voting 75–100% | 2016-04-06 | Ceased 2022-03-23 |
Filing timeline
Last 20 of 298 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-07-16 | RP01AP01 | officers | Replacement filing of director appointment with name | |
| 2026-07-09 | CH01 | officers | Change person director company with change date | |
| 2026-07-03 | AA | accounts | Accounts with accounts type group | |
| 2025-12-31 | AD01 | address | Change registered office address company with date old address new address | |
| 2025-09-22 | CH01 | officers | Change person director company with change date | |
| 2025-07-14 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-05-08 | AA | accounts | Accounts with accounts type group | |
| 2024-08-06 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2024-05-20 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2024-05-14 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2024-05-14 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2024-05-14 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2024-05-14 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2024-05-14 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2024-05-14 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2024-05-14 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2024-05-14 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2024-05-14 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2024-05-09 | AA | accounts | Accounts with accounts type group | |
| 2024-04-29 | 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
- 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.