ACCIDENT CLAIMS HANDLERS LIMITED
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Cash
£2.8m
+254.1% highest in 6 filed years
Net assets
£7.2m
+9.9% highest in 6 filed years
Employees
19
0% vs 2024
Profit before tax
£1.2m
+10.3% highest in 6 filed years
Net assets
6-year trend · vs Consumer Discretionary median
Accounts
6-year trend · Δ = latest vs prior filed period · latest reflected 2025-12-31
| Metric | Trend | 2020-12-31 | 2021-12-31 | 2022-12-31 | 2023-12-31 | 2024-12-31 | 2025-12-31 | Δ vs prior |
|---|---|---|---|---|---|---|---|---|
| Turnover | £12,664,045 | £13,432,708 | £12,255,238 | £12,791,161 | £12,993,944 | £13,309,877 | +2.4% | |
| Operating profit | £382,046 | £501,655 | £906,393 | £1,126,773 | £1,158,630 | £1,234,451 | +6.5% | |
| Profit before tax | £363,092 | £489,797 | £863,625 | £1,037,388 | £1,107,857 | £1,221,805 | +10.3% | |
| Net profit | £298,512 | £368,784 | £662,219 | £782,374 | £838,426 | £908,488 | +8.4% | |
| Cash | £1,687,756 | £2,282,300 | £2,119,258 | £1,274,884 | £776,971 | £2,751,025 | +254.1% | |
| Total assets less current liabilities | £4,882,773 | £6,273,297 | £6,634,397 | £6,601,774 | £6,780,092 | £7,483,336 | +10.4% | |
| Net assets | £4,612,501 | £4,981,285 | £5,203,504 | £5,855,878 | £6,544,304 | £7,192,792 | +9.9% | |
| Equity | £4,612,501 | £4,981,285 | £5,203,504 | £5,855,878 | £6,544,304 | £7,192,792 | +9.9% | |
| Average employees | 15 | 13 | 16 | 19 | 19 | 19 | 0% | |
| Wages | £405,765 | £363,105 | £505,177 | £683,596 | £763,181 | £839,086 | +9.9% | |
| Directors' remuneration | £101,434 | £101,300 | £108,500 | £186,500 | £209,915 | £319,236 | +52.1% | |
| Highest paid director | — | — | — | £94,172 | £149,486 | £189,191 | +26.6% |
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 | 2020-12-31 | 2021-12-31 | 2022-12-31 | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|---|---|---|
| Operating margin | 3.0% | 3.7% | 7.4% | 8.8% | 8.9% | 9.3% | |
| Net margin | 2.4% | 2.7% | 5.4% | 6.1% | 6.5% | 6.8% | |
| Return on capital employed | 7.8% | 8.0% | 13.7% | 17.1% | 17.1% | 16.5% | |
| Gearing (liabilities / total assets) | 16.6% | 31.3% | 37.1% | 28.5% | 22.5% | 20.6% | |
| Current ratio | — | — | — | 3.61x | 3.75x | 4.34x | |
| Interest cover | 19.92x | 41.84x | 20.50x | 11.24x | 19.31x | 54.55x |
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 1 time since incorporation
- ACCIDENT CLAIMS HANDLERS LIMITED 2001-12-04 → present
- ACCIDENT DIRECT LINE LIMITED 1999-11-16 → 2001-12-04
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Standalone (parent only)
- Auditor
- PKF Francis Clark
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The directors have assessed that the Company has adequate resources to continue in operational existence and to meet its financial obligations as they fall due for at least 12 months from the date of signing these financial statements.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
2 active · 4 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| SAVORY, Michael Dennis | Director | 1999-11-16 | Feb 1947 | British |
| SAVORY, Miles Nicholas | Director | 2006-01-01 | Jun 1977 | British |
Show 4 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| SPENCE, Elaine Jeanette | Secretary | 1999-11-16 | 2018-04-13 |
| TEMPLE SECRETARIES LIMITED | Corporate Nominee Secretary | 1999-11-16 | 1999-11-16 |
| SPENCE, Elaine Jeanette | Director | 1999-11-16 | 2018-04-13 |
| COMPANY DIRECTORS LIMITED | Corporate Nominee Director | 1999-11-16 | 1999-11-16 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Mr Michael Dennis Savory | Individual | Shares 25–50%, Voting 25–50% | 2016-04-06 | Active |
| Mr Miles Nicholas Savory | Individual | Shares 25–50%, Voting 25–50% | 2016-04-06 | Active |
Filing timeline
Last 20 of 79 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-09-24 | AA | accounts | Accounts with accounts type full | |
| 2025-11-13 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-09-30 | AA | accounts | Accounts with accounts type full | |
| 2024-11-12 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-09-27 | AA | accounts | Accounts with accounts type full | |
| 2023-12-08 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-09-29 | AA | accounts | Accounts with accounts type full | |
| 2022-11-24 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-09-29 | AA | accounts | Accounts with accounts type full | |
| 2022-03-26 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2021-11-22 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2021-11-22 | CH01 | officers | Change person director company with change date | |
| 2021-11-22 | CH01 | officers | Change person director company with change date | |
| 2021-09-30 | AA | accounts | Accounts with accounts type full | |
| 2021-01-12 | AA | accounts | Accounts with accounts type full | |
| 2021-01-11 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2020-12-09 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2019-11-18 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2019-10-08 | AA | accounts | Accounts with accounts type small | |
| 2018-11-19 | CS01 | confirmation-statement | Confirmation statement with no updates |
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.