ALLIANCE & LEICESTER PERSONAL FINANCE LIMITED
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Next accounts due
2026-09-30 (in 4mo)
Last filed for 2024-12-31
Confirmation statement due
2026-10-15 (in 5mo)
Last made up 2025-10-01
Watchouts
Cash
£477K
+3,569.2% vs 2023
Net assets
£2M
+100.8% vs 2023
Employees
—
Average over period
Profit before tax
-£10M
-4% vs 2023
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
Material uncertainty over going concern
As part of a strategic review by the Group, the Company intends to transfer the customer loan portfolio to a fellow group company and to liquidate the legal entity in the future. These financial statements have therefore been prepared on a basis of other than that of a going concern.
Name history
Renamed 4 times since incorporation
- ALLIANCE & LEICESTER PERSONAL FINANCE LIMITED 1992-10-01 → present
- ALLIANCE & LEICESTER PERSONAL FINANCE (1987) LIMITED 1992-09-25 → 1992-10-01
- GARRICK CORPORATION LIMITED 1992-09-24 → 1992-09-25
- ALLIANCE & LEICESTER UNIT TRUST MANAGERS LIMITED 1991-01-09 → 1992-09-24
- TRUSHELFCO (NO. 1618) LIMITED 1990-03-29 → 1991-01-09
Net assets
2-year trend · vs Financials median
Accounts
2-year trend · latest reflected 2024-12-31
| Metric | Trend | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Turnover | — | — | |
| Operating profit | -£9,510,000 | -£9,773,000 | |
| Profit before tax | -£9,310,000 | -£9,679,000 | |
| Net profit | -£9,311,000 | -£9,724,000 | |
| Cash | £13,000 | £477,000 | |
| Total assets less current liabilities | — | — | |
| Net assets | -£213,826,000 | £1,605,000 | |
| Equity | -£213,826,000 | £1,605,000 | |
| Average employees | — | — | |
| Wages | — | — |
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 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Gearing (liabilities / total assets) | 10622.9% | 3.6% | |
| Current ratio | 0.01x | 27.68x | |
| Interest cover | -0.99x | -0.99x |
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
- IFRS
- Reporting scope
- Standalone (parent only)
- Auditor
- PricewaterhouseCoopers LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Material uncertainty disclosed
“As part of a strategic review by the Group, the Company intends to transfer the customer loan portfolio to a fellow group company and to liquidate the legal entity in the future. These financial statements have therefore been prepared on a basis of other than that of a going concern.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
3 active · 43 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| SANTANDER SECRETARIAT SERVICES LIMITED | Corporate Secretary | 2012-08-28 | — | — |
| GRANT, Lee Thomas | Director | 2023-08-08 | May 1985 | British |
| MORRIS, David Edmund Thomas | Director | 2025-06-16 | Sep 1983 | British |
Show 43 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BOBKER, David Siegfried | Secretary | — | 1992-09-29 |
| FRENCH, Justin Anthony | Secretary | 2001-03-13 | 2003-12-04 |
| HAWKER, Richard Allen | Secretary | 2003-12-04 | 2011-06-08 |
| HICKMAN, Darren James | Secretary | 1996-04-01 | 2001-03-13 |
| MORGAN, Giles Alexander | Secretary | 1992-09-18 | 1992-10-08 |
| RHODES, Christopher Stuart | Secretary | 1992-09-30 | 1993-12-31 |
| TURNER, Moira Lynne | Secretary | 1993-12-31 | 1996-04-01 |
| ABBEY NATIONAL NOMINEES LIMITED | Corporate Secretary | 2011-06-08 | 2012-08-28 |
| AFFLECK, Stephen David | Director | 2021-12-31 | 2023-08-08 |
| AL-DABBAGH, Rashad | Director | 2009-07-02 | 2013-10-09 |
| ASTLEY-STONE, Shaun Kingsley | Director | 2004-02-19 | 2008-10-13 |
| ATTAR-ZADEH, Reza | Director | 2014-01-21 | 2019-05-08 |
| AUSTIN, Karen Elizabeth | Director | 1996-12-13 | 2000-09-29 |
| BANKS, Richard Lee | Director | 2002-01-01 | 2002-09-09 |
| BANKS, Richard Lee | Director | 2000-11-03 | 2001-09-20 |
| BAUM, Simon Graydon | Director | 2009-03-31 | 2015-12-31 |
| BAYES, Andrew | Director | 2005-08-15 | 2009-04-30 |
| BOYD, Lawrence David | Director | 1992-09-23 | 1993-01-27 |
| CLIFTON, Paul | Director | 1992-09-23 | 1993-12-31 |
| HALL, Matthew Jeremy | Director | 2019-05-08 | 2024-12-02 |
| HARLEY, Everett Clifford | Director | 1992-09-23 | 1993-01-27 |
| HEPPLEWHITE, Julian | Director | — | 1992-09-30 |
| HILLIARD, Trevor Martyn | Director | 1992-09-23 | 2000-11-30 |
| HONEY, Andrew Roland | Director | 2016-06-08 | 2018-09-30 |
| KNIBBS, Simon John | Director | 1996-05-22 | 1998-03-31 |
| LEDWARD, Graham Alick | Director | 2000-11-03 | 2003-12-03 |
| MALLOCK, Michael Christopher | Director | 1996-03-01 | 2001-12-31 |
| MARLOW, David John | Director | 2001-04-25 | 2004-02-10 |
| MARTIN, Simon Anthony | Director | 2005-11-28 | 2009-03-31 |
| MORGAN, Giles Alexander | Director | — | 1992-09-30 |
| MORRISON, Rachel Jane | Director | 2009-03-31 | 2021-12-31 |
| PAI, Nameeta | Director | 2021-07-19 | 2024-11-22 |
| PATTON, David | Director | 2002-09-09 | 2005-12-20 |
| PAYTON, Terence Anthony | Director | 1992-09-23 | 1993-12-31 |
| PEARCE, Stephen John | Director | 1994-12-13 | 1996-06-28 |
| PILKINGTON, Graham Paul | Director | 2000-11-14 | 2009-03-31 |
| PIRANIE, Ashraf | Director | 2004-02-19 | 2005-07-08 |
| RHODES, Christopher Stuart | Director | 1992-09-23 | 2000-08-16 |
| ROCHE, Richard James | Director | 1992-10-15 | 1994-12-13 |
| SHINWELL, Aaron Emanuel David | Director | 2024-12-02 | 2025-06-16 |
| SOUTHWOOD, Kevin Charles | Director | 1994-01-01 | 1996-07-01 |
| UPPAL, Sarbjeet | Director | 2009-03-31 | 2010-06-24 |
| WHITE, Gavin Raymond | Director | 2018-09-29 | 2021-07-23 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Santander Uk Plc | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Active |
Filing timeline
Last 20 of 224 total filings
Material constitutional events — rename, articles re-file, resolution
- 2023-11-08 MA Memorandum articles
- 2023-11-08 RESOLUTIONS Resolution
- 2023-10-31 CC04 Statement of companys objects
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2025-10-17 | AA | accounts | Accounts with accounts type full | |
| 2025-10-02 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-06-25 | TM01 | officers | Termination director company with name termination date | |
| 2025-06-16 | AP01 | officers | Appoint person director company with name date | |
| 2024-12-17 | AP01 | officers | Appoint person director company with name date | |
| 2024-12-17 | TM01 | officers | Termination director company with name termination date | |
| 2024-12-03 | TM01 | officers | Termination director company with name termination date | |
| 2024-10-02 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-09-23 | AA | accounts | Accounts with accounts type small | |
| 2023-11-08 | MA | incorporation | Memorandum articles | |
| 2023-11-08 | RESOLUTIONS | resolution | Resolution | |
| 2023-10-31 | CC04 | change-of-constitution | Statement of companys objects | |
| 2023-10-30 | AD01 | address | Change registered office address company with date old address new address | |
| 2023-10-02 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-08-11 | AP01 | officers | Appoint person director company with name date | |
| 2023-08-11 | TM01 | officers | Termination director company with name termination date | |
| 2023-08-11 | AA | accounts | Accounts with accounts type small | |
| 2022-10-10 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-08-30 | AA | accounts | Accounts with accounts type small | |
| 2021-12-31 | AP01 | officers | Appoint person director company with name date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 4
- Capital events
- 0
- Officers appointed
- 1
- Officers resigned
- 1
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
FY2023 → FY2024 · period ending 2024-12-31 vs 2023-12-31
-
Turnover
—
Not reported
-
Cash
+3,569.2%
£13,000 £477,000
-
Net assets
+100.8%
-£213,826,000 £1,605,000
-
Employees
—
Not reported
-
Operating profit
-2.8%
-£9,510,000 -£9,773,000
-
Profit before tax
-4%
-£9,310,000 -£9,679,000
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