SAGA SERVICES LIMITED
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Next accounts due
2026-10-31 (in 5mo)
Last filed for 2025-01-31
Confirmation statement due
2027-03-23 (in 10mo)
Last made up 2026-03-09
Watchouts
None on the register
Cash
£17M
-33.9% vs 2024
Net assets
£25M
-65.3% vs 2024
Employees
995
-20% vs 2024
Profit before tax
-£26M
-193.7% vs 2024
Name history
Renamed 1 time since incorporation
- SAGA SERVICES LIMITED 1984-07-09 → present
- ALGARVE DEVELOPMENTS LIMITED 1962-08-15 → 1984-07-09
Net assets
2-year trend · vs Financials median
Accounts
2-year trend · latest reflected 2025-01-31
| Metric | Trend | 2024-01-31 | 2025-01-31 |
|---|---|---|---|
| Turnover | £137,500,000 | £117,756,000 | |
| Operating profit | £27,624,000 | -£25,775,000 | |
| Profit before tax | £27,572,000 | -£25,822,000 | |
| Net profit | £20,990,000 | -£26,886,000 | |
| Cash | £25,306,000 | £16,729,000 | |
| Total assets less current liabilities | £80,536,000 | £47,999,000 | |
| Net assets | £73,378,000 | £25,492,000 | |
| Equity | £73,378,000 | £25,492,000 | |
| Average employees | 1,244 | 995 | |
| Wages | £40,075,000 | £50,397,000 |
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 | 2024-01-31 | 2025-01-31 |
|---|---|---|---|
| Operating margin | 20.1% | -21.9% | |
| Net margin | 15.3% | -22.8% | |
| Return on capital employed | 34.3% | -53.7% | |
| Gearing (liabilities / total assets) | 74.3% | 89.2% | |
| Current ratio | 1.21x | 1.17x | |
| Interest cover | 531.23x | -548.40x |
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 a reasonable expectation that the Company has adequate resources to continue in operational existence for the foreseeable future and accordingly, the Directors continue to adopt the going concern basis of accounting in preparing the annual financial statements.”
Significant events
- “On 16 December 2024, the Group announced it had entered into a binding agreement with Ageas (UK) Limited, establishing a 20-year Affinity Partnership spanning motor and home insurance products.”
- “On 30 January 2025, the Saga plc Group announced that it had secured new credit facilities to refinance its corporate debt in full.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
4 active · 53 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| KONING, Nicola | Secretary | 2022-05-16 | — | — |
| EAST, Lloyd James | Director | 2025-04-04 | Feb 1968 | British |
| LISTER, John Robert | Director | 2021-09-14 | Apr 1958 | British |
| ROWLAND, Pamela Elizabeth | Director | 2021-07-01 | Dec 1961 | British |
Show 53 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| DAVIES, John | Secretary | 2006-09-29 | 2012-08-17 |
| DE HAAN, Peter Charles | Secretary | — | 1999-08-18 |
| FRASER, Richard John | Secretary | — | 2004-10-26 |
| HAYNES, Victoria | Secretary | 2013-07-31 | 2022-05-16 |
| HOWARD, Stuart Michael | Secretary | 2000-05-08 | 2006-12-12 |
| STRINGER, Andrew Paul | Secretary | 2012-08-17 | 2013-07-31 |
| AGIUS, Cheryl Margaret | Director | 2020-07-15 | 2021-01-05 |
| ASHTON, Stephen David | Director | 2007-11-08 | 2007-11-13 |
| ASHTON, Stephen David | Director | 2007-09-18 | 2008-08-04 |
| ASHTON, Stephen David | Director | 2002-10-07 | 2006-09-04 |
| BATCHELOR, Lance Henry Lowe | Director | 2014-07-18 | 2020-01-23 |
| BRENNAN, Kevin Lionel | Director | 1995-12-07 | 2001-12-31 |
| BULL, Timothy Bruce | Director | — | 2008-01-28 |
| CALLANDER, Peter Frederick | Director | 2012-02-24 | 2016-05-26 |
| CAMERON, James Docherty | Director | 1999-03-01 | 2006-01-10 |
| COYNE, Kevin Edward Lawrence | Director | 1998-01-05 | 1999-01-21 |
| CROSS, Alexis | Director | 2020-12-15 | 2021-11-18 |
| CUTBILL, Michael Andrew | Director | 1999-06-07 | 2005-03-31 |
| DARWENT, Richard Anthony | Director | 2016-05-26 | 2018-09-20 |
| DAVIES, Alison | Director | 2009-04-16 | 2009-04-16 |
| DAVIES, Alison | Director | 2009-04-16 | 2018-03-26 |
| DE HAAN, Peter Charles | Director | — | 1999-08-18 |
| DE HAAN, Roger Michael | Director | — | 2004-10-27 |
| DEACON, Andrew Robert | Director | 1993-05-06 | 2003-04-30 |
| DONALDSON, William Allan | Director | 1999-08-16 | 2002-02-26 |
| DUFFY, Damien | Director | 2020-04-14 | 2020-07-31 |
| DUGGAN, Gary | Director | 2018-01-01 | 2019-12-24 |
| EDWARDS, John | Director | 2016-02-01 | 2019-04-30 |
| GIBBS, Keith George | Director | 2019-08-29 | 2024-02-02 |
| GOODSELL, John Andrew | Director | 1995-12-07 | 2017-06-08 |
| HATCH, Maurice Edward | Director | 1993-05-06 | 2003-01-15 |
| HILL, Jonathan Stanley | Director | 2015-07-23 | 2018-09-28 |
| HOLT, Dennis | Director | 2006-07-01 | 2008-01-14 |
| HOPES, Julie | Director | 2019-02-26 | 2026-02-27 |
| HOSKINS, Amanda Louise | Director | 2009-07-01 | 2018-06-14 |
| HOSKINS, Amanda Louise | Director | 2009-04-16 | 2009-04-16 |
| HOWARD, Stuart Michael | Director | 2000-05-08 | 2015-07-23 |
| JARDIN, Aynsley Elaine | Director | 2005-09-05 | 2006-09-04 |
| JONES-EVANS, Sally Ann | Director | 2019-12-09 | 2021-04-30 |
| KINGSHOTT, Stephen Mitchell | Director | 2021-11-08 | 2025-02-12 |
| LONEY, Philip Duncan | Director | 1995-12-07 | 1997-09-19 |
| MCGUINNESS, Stephen | Director | 2022-07-19 | 2024-01-26 |
| MCINTYRE, Bridget Fiona | Director | 2017-03-22 | 2018-12-31 |
| MELVIN, Clifton Adrian | Director | 2013-03-01 | 2022-03-31 |
| MORAVCIKOVA, Ivana | Director | 2023-08-23 | 2025-07-01 |
| OFFORD, Malcolm Ian | Director | 2005-12-06 | 2007-11-07 |
| QUIN, James Barrington | Director | 2019-01-01 | 2022-05-16 |
| RAMSDEN, Roger Charles | Director | 2008-08-04 | 2018-01-31 |
| STRONG, Andrew Jonathan Peter | Director | 2001-12-17 | 2007-09-18 |
| STRONG, Andrew Jonathan Peter | Director | 2001-12-17 | 2007-09-18 |
| SUTHERLAND, Euan Angus | Director | 2021-08-04 | 2022-05-16 |
| TREEN, William Raymond | Director | 2008-01-14 | 2016-03-31 |
| WAUGH, Simon John | Director | 1994-01-04 | 1997-07-16 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Saga Group Limited | Corporate entity | Shares 75–100% | 2016-04-06 | Active |
Filing timeline
Last 20 of 303 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-03-09 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2026-02-27 | TM01 | officers | Termination director company with name termination date | |
| 2025-10-13 | AA | accounts | Accounts with accounts type full | |
| 2025-07-01 | TM01 | officers | Termination director company with name termination date | |
| 2025-06-10 | CH01 | officers | Change person director company with change date | |
| 2025-05-02 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2025-05-02 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2025-04-11 | CH01 | officers | Change person director company with change date | |
| 2025-04-07 | AP01 | officers | Appoint person director company with name date | |
| 2025-03-10 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-02-13 | TM01 | officers | Termination director company with name termination date | |
| 2025-02-03 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2024-09-27 | AA | accounts | Accounts with accounts type full | |
| 2024-03-27 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-02-02 | TM01 | officers | Termination director company with name termination date | |
| 2024-01-26 | TM01 | officers | Termination director company with name termination date | |
| 2023-11-02 | AA | accounts | Accounts with accounts type full | |
| 2023-09-05 | AP01 | officers | Appoint person director company with name date | |
| 2023-08-03 | CH01 | officers | Change person director company with change date | |
| 2023-08-03 | CH01 | officers | Change person director company with change date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 7
- Capital events
- 0
- Officers appointed
- 0
- Officers resigned
- 2
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.
Year-on-year
FY2024 → FY2025 · period ending 2025-01-31 vs 2024-01-31
-
Turnover
-14.4%
£137,500,000 £117,756,000
-
Cash
-33.9%
£25,306,000 £16,729,000
-
Net assets
-65.3%
£73,378,000 £25,492,000
-
Employees
-20%
1,244 995
-
Operating profit
-193.3%
£27,624,000 -£25,775,000
-
Profit before tax
-193.7%
£27,572,000 -£25,822,000
-
Wages
+25.8%
£40,075,000 £50,397,000
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