AMERICAN EXPRESS PAYMENT SERVICES LIMITED
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Cash
£100k
-98.5% lowest in 3 filed years
Net assets
£377m
+14.3% highest in 3 filed years
Employees
529
+3.3% vs 2024
Profit before tax
£62m
-16.3% lowest in 3 filed years
Watch the reel
Our short-form breakdown of AMERICAN EXPRESS PAYMENT SERVICES LIMITED's latest filing
American Express Payment Services sees UK turnover hit £1.3bn, but operating margins get squeezed. 💳📉
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 | £1,087,075,000 | £1,205,373,000 | £1,318,356,000 | +9.4% | |
| Operating profit | £24,987,000 | £17,072,000 | £8,716,000 | -48.9% | |
| Profit before tax | £74,447,000 | £74,603,000 | £62,472,000 | -16.3% | |
| Net profit | £57,470,000 | £56,660,000 | £46,494,000 | -17.9% | |
| Cash | £3,550,000 | £6,473,000 | £100,000 | -98.5% | |
| Total assets less current liabilities | £273,030,000 | £330,451,000 | £378,171,000 | +14.4% | |
| Net assets | £272,887,000 | £330,181,000 | £377,453,000 | +14.3% | |
| Equity | £272,887,000 | £330,181,000 | £377,453,000 | +14.3% | |
| Average employees | 538 | 512 | 529 | +3.3% | |
| Wages | £38,207,000 | £41,517,000 | £47,030,000 | +13.3% | |
| Directors' remuneration | £1,632,000 | £3,501,000 | £3,926,000 | +12.1% |
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 | 2.3% | 1.4% | 0.7% | |
| Net margin | 5.3% | 4.7% | 3.5% | |
| Return on capital employed | 9.2% | 5.2% | 2.3% | |
| Gearing (liabilities / total assets) | 80.0% | 78.5% | 76.0% | |
| Current ratio | 1.20x | 1.23x | 1.27x |
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
- AMERICAN EXPRESS PAYMENT SERVICES LIMITED 2007-07-17 → present
- ALNERY NO. 2710 LIMITED 2007-07-04 → 2007-07-17
Audit & accounting basis
- Accounting basis
- FRS 101
- Reporting scope
- Standalone (parent only)
- Auditor
- PricewaterhouseCoopers LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The Directors remain satisfied with the appropriateness of preparing the financial statements on the going concern basis, having considered available information and plausible scenarios, and given the reasonable expectation that the Company will continue in business with no material uncertainties identified.”
Group structure
- AMERICAN EXPRESS PAYMENT SERVICES LIMITED · parent
- American Express Payments Europe S.L. 100%
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
10 active · 35 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| GILL, Gurinderjit Kaur | Secretary | 2021-08-21 | — | — |
| ALLEN, Colin Derek, Mr. | Director | 2025-09-05 | Nov 1972 | British |
| COVENTRY, Holly Samantha | Director | 2023-04-28 | Jan 1983 | British |
| EDELMAN, Daniel James, Dr | Director | 2020-05-06 | Apr 1978 | British |
| HUSON, Julia Anne | Director | 2025-10-01 | Dec 1977 | British |
| MAHESHWARI, Shachi | Director | 2024-03-15 | Jul 1977 | Indian |
| MCDONALD, Keith Michael | Director | 2020-07-08 | Jul 1971 | Irish |
| MOSELEY, Lucie | Director | 2020-07-30 | Sep 1975 | British |
| RAYNAUD, Veronique Annie | Director | 2020-06-02 | Dec 1971 | French,British |
| SHOMSTEIN, Sara | Director | 2022-03-14 | Dec 1981 | American |
Show 35 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BATES, James | Secretary | 2015-09-14 | 2017-09-26 |
| BROWN, Nola Jean | Secretary | 2014-09-23 | 2015-05-01 |
| MUDDIMAN, David James | Secretary | 2017-09-27 | 2021-08-20 |
| ALNERY INCORPORATIONS NO.1 LIMITED | Corporate Secretary | 2007-07-04 | 2007-07-17 |
| EVERSECRETARY LIMITED | Corporate Secretary | 2008-10-01 | 2017-03-31 |
| MAWLAW SECRETARIES LIMITED | Corporate Secretary | 2007-07-17 | 2008-09-30 |
| ABBOTT, Paul Gordon | Director | 2007-07-17 | 2012-04-04 |
| ARIF, Usman | Director | 2020-07-08 | 2022-12-08 |
| ARIF, Usman | Director | 2011-09-05 | 2012-12-31 |
| BAILEY, David John | Director | 2012-09-11 | 2025-07-03 |
| BENNAZIZ-HOUMANE, Karim | Director | 2016-05-05 | 2017-06-06 |
| BHATIA, Sujata Narain | Director | 2019-01-02 | 2020-04-03 |
| CAULI, Fabienne Maryline | Director | 2015-07-27 | 2018-12-12 |
| DE LA PEÑA LÓPEZ, Maria Thelma | Director | 2018-04-23 | 2020-05-12 |
| DECKER, Werner Heinrich | Director | 2012-02-16 | 2020-03-09 |
| FILSHIE, Alexander | Director | 2007-07-17 | 2012-09-10 |
| GANAPATHY, Mani Sankar, Mr. | Director | 2025-05-08 | 2025-05-15 |
| GARCIA, Rafael Francisco Marquez | Director | 2015-09-30 | 2019-09-30 |
| GARCIA-VALDES YRIZAR, Alfredo | Director | 2009-07-07 | 2015-09-30 |
| HALFACRE, Jonathan Mark | Director | 2007-07-17 | 2010-08-06 |
| HOLMES, Alan David | Director | 2019-01-17 | 2025-02-18 |
| INGRAM, Tracey Jayne | Director | 2013-01-30 | 2015-07-27 |
| JACKSON, Michael | Director | 2013-01-24 | 2018-09-24 |
| KIRCHNER, Tristan Francis | Director | 2014-05-13 | 2014-12-24 |
| O'FLAHERTY, Colin Gerard John Paul | Director | 2015-03-29 | 2019-09-12 |
| PARIS, Nousheh | Director | 2024-06-13 | 2025-05-14 |
| PLATT, Tania Yvette | Director | 2020-07-08 | 2021-12-14 |
| PYCOCK, Murielle Andree | Director | 2009-04-27 | 2011-11-24 |
| RISHI, Sanjay | Director | 2007-07-17 | 2008-09-02 |
| RIVERA, Christine Anne | Director | 2024-03-15 | 2025-05-15 |
| ROPER, Mark John | Director | 2011-09-05 | 2015-01-16 |
| TU, Thi Nhuoc Lan | Director | 2008-09-03 | 2011-09-16 |
| WRIGHT, Peter | Director | 2016-02-01 | 2018-01-23 |
| WRIGHT, Peter | Director | 2007-07-17 | 2011-06-03 |
| ALNERY INCORPORATIONS NO.1 LIMITED | Corporate Director | 2007-07-04 | 2007-07-17 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| American Express Company | Corporate entity | Shares 75–100%, Voting 75–100% | 2016-06-30 | Active |
Filing timeline
Last 20 of 166 total filings
Material constitutional events — rename, articles re-file, resolution
- 2024-04-29 RESOLUTIONS Resolution
- 2024-04-22 MA Memorandum articles
- 2024-03-15 RESOLUTIONS Resolution
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-07-21 | AA | accounts | Accounts with accounts type full | |
| 2026-06-06 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-10-02 | AP01 | officers | Appoint person director company with name date | |
| 2025-09-10 | AA | accounts | Accounts with accounts type full | |
| 2025-09-09 | AP01 | officers | Appoint person director company with name date | |
| 2025-07-03 | TM01 | officers | Termination director company with name termination date | |
| 2025-06-10 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-05-16 | TM01 | officers | Termination director company with name termination date | |
| 2025-05-15 | TM01 | officers | Termination director company with name termination date | |
| 2025-05-15 | TM01 | officers | Termination director company with name termination date | |
| 2025-05-08 | AP01 | officers | Appoint person director company with name date | |
| 2025-02-18 | TM01 | officers | Termination director company with name termination date | |
| 2024-07-12 | AA | accounts | Accounts with accounts type full | |
| 2024-06-21 | AP01 | officers | Appoint person director company with name date | |
| 2024-06-10 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-04-29 | RESOLUTIONS | resolution | Resolution | |
| 2024-04-22 | MA | incorporation | Memorandum articles | |
| 2024-03-20 | AP01 | officers | Appoint person director company with name date | |
| 2024-03-19 | AP01 | officers | Appoint person director company with name date | |
| 2024-03-15 | RESOLUTIONS | resolution | Resolution |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 5
- Capital events
- 0
- Officers appointed
- 2
- 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.