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Next accounts due

2027-09-30 (in 1y)

Last filed for 2025-12-31

Confirmation statement due

2027-01-23 (in 8mo)

Last made up 2026-01-09

Watchouts

None on the register

Cash

£3K

0% vs 2024

Net assets

£5M

+19.6% vs 2024

Employees

3,351

-5.6% vs 2024

Profit before tax

£1M

+17% vs 2024

Name history

Renamed 4 times since incorporation

  1. AXA SERVICES LIMITED 1999-10-04 → present
  2. GUARDIAN ROYAL EXCHANGE SERVICES LIMITED 1997-09-01 → 1999-10-04
  3. GUARDIAN DIRECT SERVICES LIMITED 1996-07-01 → 1997-09-01
  4. RAC INSURANCE BROKERS LIMITED 1984-09-13 → 1996-07-01
  5. BEDDALL BRADFORD AND COMPANY LIMITED 1947-12-03 → 1984-09-13

Accounts

2-year trend · latest reflected 2025-12-31

Metric Trend 2024-12-312025-12-31
Turnover £596,003,000£628,029,000
Operating profit £947,000£1,108,000
Profit before tax £947,000£1,108,000
Net profit £710,000£831,000
Cash £3,000£3,000
Total assets less current liabilities £10,742,000£11,131,000
Net assets £4,242,000£5,073,000
Equity £4,242,000£5,073,000
Average employees 3,5503,351
Wages £160,420,000£160,368,000

Values shown as filed in the company's annual accounts. indicates the figure wasn't present under that line item in that period. About these numbers

Ratios

Computed from the line items above — sparklines read oldest → newest

Ratio Trend 2024-12-312025-12-31
Operating margin 0.2%0.2%
Net margin 0.1%0.1%
Return on capital employed 8.8%10.0%
Current ratio 1.07x1.05x

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.

Audit & accounting basis

Accounting basis
FRS 101
Reporting scope
Standalone (parent only)
Auditor
KPMG LLP
Audit opinion
Unqualified (clean)
Going concern
Affirmed

“The directors have considered the appropriateness of the going concern basis on the preparation of the financial statements taking into account the Company's current and projected performance. ... On consideration of the above information the Company is well placed to manage its business risks and has adequate resources to continue in operational existence for the foreseeable future, being at least 12 months from the date of approval of the financial statements. Accordingly, the directors continue to adopt the going concern basis in preparing the Annual Financial Report.”

Significant events

Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers

People

4 active · 62 resigned

Name Role Appointed Born Nationality
BYE, Karina Jane Secretary 2024-12-13
DE LA SERVE, Henri Director 2025-09-01 Apr 1983 French
FOLEY, Tara Maria Theresa Director 2020-12-08 Oct 1970 Irish
WALKER, Jonathan Paul Director 2018-07-13 Apr 1971 British
Show 62 resigned officers
Name Role Appointed Resigned
CLAYTON, John Reginald William Secretary 1996-04-29 1999-10-31
HAYHURST, Moya Jane Secretary 2024-06-19 2024-12-13
KEMLO, Hugh Secretary 1996-04-29
RICHARDSON, Ian David Lea Secretary 1999-10-31 2004-10-20
RIDDY, Caroline Anne Secretary 2020-06-16 2024-06-19
SMALL, Jeremy Peter Secretary 2004-10-20 2020-06-16
AUGIER, Martin Kenneth Director 1996-10-11 1997-12-30
BATEMAN, Martin Henry Director 1992-01-01 1994-09-19
BLANC, Amanda Jayne Director 2011-02-28 2018-04-10
BREITBURD, Amelie Marie Director 2019-01-01 2020-03-31
BRINN, Nigel James Director 1995-02-27 1996-04-24
CHEETHAM, Christopher Spencer Director 1999-10-04 2000-03-23
CORCORAN, David Director 1997-01-31 1998-09-08
DAVIES, Alan Glyn Director 1996-04-29 1996-12-13
DROUFFE, Jean Paul Dominique Louis Director 2010-09-17 2013-08-31
DUNHAM, William John Director 1997-01-31 1999-06-30
EVANS, Paul James Director 2010-10-01 2016-06-24
EVANS, Paul James Director 2001-11-19 2003-08-12
GIENAL, Claudio Director 2019-12-09 2023-08-31
GREGORY, Brian George Director 1996-04-29 1997-11-28
GUY, Paul Nelson Director 1994-12-31
HANNAH, Charles Gordon Director 1996-10-11 1997-12-30
HARDY, Stephen Nicholas Director 2011-04-04 2012-06-19
HASTE, Andrew Kenneth Director 1999-10-04 2001-11-19
HOLMES, Virginia Anne Director 2000-03-23 2000-12-13
HOMER, Andrew Charles Director 1999-10-04 2001-11-16
HOPPE, Gordon Richard Director 1992-02-19
HOWELL, Gareth Ross Director 2018-07-13 2019-02-13
HUBBARD, Peter John Director 2002-08-30 2008-04-11
JOHNSON, Ian Howard Director 2007-08-29 2008-07-29
JOHSON, Neil Anthony Director 1996-01-03 1996-04-29
LAMBLE, Reginald John Director 1992-10-01 1996-04-24
LIMB, Michael James Director 1994-02-09
LIVERMORE, David John Director 1994-02-11 1995-10-05
MALIK, Waseem Ullah Director 2016-12-09 2018-03-31
MASO Y GUELL RIVET, Philippe Louis Herbert Director 2009-11-05 2011-03-02
MASON, Peter William Director 1997-01-31 1999-06-30
MASSON, Yves Director 2013-03-07 2015-12-05
MATRAS, Laurent Director 2019-12-09 2020-11-26
MATRAS, Laurent Michel Robert Director 2004-04-27 2007-12-29
MCCAFFERTY, Brendan Eamon Director 2017-07-12 2018-01-30
MOQUET, Roland Jean Andre Director 2020-06-04 2025-09-01
ODDIE, Alan James Director 1997-01-31 1999-10-04
OFFORD, Stephen Director 2004-04-27 2006-10-30
OWEN, Peter Edward Director 1998-07-15 1999-11-05
PIERCE, Raymond Francis Director 1996-04-29 1999-07-31
POUPART-LAFARGE, Bertrand Director 2013-10-25 2018-12-31
REGAN, Patrick Charles Director 2003-08-12 2004-02-09
RICHARDSON, Ian David Lea Director 1999-10-04 2007-12-31
RICHARDSON, Nigel Kingsley Director 1996-04-29 1996-11-11
RITCHIE, Hamish Martin John Director 1996-04-24
ROBERTS, Julian Victor Frow Director 1999-10-04 2000-07-31
ROBINS, John Vernon Harry Director 1997-10-31 1999-06-30
ROBINSON, Ian Director 2008-01-01 2010-07-12
ROGERS, Richard Thomas Director 1998-01-01
ROSE, Jeffrey David Director 1996-04-29
SINCLAIR, John Director 1997-10-31 1999-05-04
SPARKS, Alexander Pratt Director 1996-04-24
TORRANCE, David Winton Watt Director 1998-09-08 1999-10-04
WILLIAMS, John Alan Director 1996-04-24
WOOD, Gregory Mark Director 1999-07-01 2001-02-21
ZWEIBRUCKER, Alain Charles Florent Director 2024-06-12 2025-12-31

Ownership

Persons with significant control

Name Kind Nature of control Notified Status
Guardian Royal Exchange Public Limited Company Corporate entity Shares 75–100%, Voting 75–100%, Appoints directors 2016-04-06 Active

Filing timeline

Last 20 of 289 total filings

Date Type Category Description
2026-04-27 AA accounts Accounts with accounts type full
2026-01-22 CS01 confirmation-statement Confirmation statement with no updates PDF
2026-01-21 TM01 officers Termination director company with name termination date PDF
2025-10-15 CH01 officers Change person director company with change date PDF
2025-09-05 CH01 officers Change person director company with change date PDF
2025-09-04 AP01 officers Appoint person director company with name date PDF
2025-09-04 TM01 officers Termination director company with name termination date PDF
2025-06-12 AA accounts Accounts with accounts type full
2025-01-21 CS01 confirmation-statement Confirmation statement with no updates PDF
2024-12-16 TM02 officers Termination secretary company with name termination date PDF
2024-12-16 AP03 officers Appoint person secretary company with name date PDF
2024-07-01 AA accounts Accounts with accounts type full
2024-06-21 AP03 officers Appoint person secretary company with name date PDF
2024-06-20 TM02 officers Termination secretary company with name termination date PDF
2024-06-13 AP01 officers Appoint person director company with name date PDF
2024-02-09 CH01 officers Change person director company with change date PDF
2024-01-23 CS01 confirmation-statement Confirmation statement with no updates PDF
2023-08-31 TM01 officers Termination director company with name termination date PDF
2023-04-27 AA accounts Accounts with accounts type full
2023-04-18 CH01 officers Change person director company with change date PDF

Public-record activity

Raw counts from Companies House — last 12–24 months

Filings
8

last 12 months

Capital events
0

last 24 months

Officers appointed
1

last 12 months

Officers resigned
2

last 12 months

Direct counts from the register. No score, no rating — see the Filing timeline for the underlying events.

Year-on-year

FY2024 → FY2025 · period ending 2025-12-31 vs 2024-12-31

Each % is (latest − prior) ÷ |prior| for the line item as filed. Periods don't have to be exactly 12 months apart — a long or short period (typical around incorporation or year-end changes) will distort the comparison. Lines a company doesn't report are omitted. About these numbers

Official Companies House page