UK Companies House feature
SAGA PERSONAL FINANCE LIMITED
Profile
- Company number
- 03023493
- Status
- Active
- Incorporation
- 1995-02-17
- Last accounts made up
- 2025-01-31
- Account category
- FULL
- Primary SIC
- 64999
- Hubs
- UK Fintech
Accounts
Pending extraction
No iXBRL extracted yet for this company.
Audit & accounting basis
From AI-extracted PDF accounts
- Accounting basis
- IFRS
- Reporting scope
- Standalone (parent only)
- Auditor
- KPMG LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The directors have prepared the financial statements on the going concern basis as they do not intend to liquidate the Company or to cease its operations, and as they have concluded that the Company's financial position means that this is realistic. They have also concluded that there are no material uncertainties that could have cast significant doubt over its ability to continue as a going concern for at least a year from the date of approval of the financial statements ("the going concern period").”
Significant events
- “Since the year end, on 27 February 2025, Saga Mid Co Limited drew down the £335.0m term loan facility, and the 2026 bond and the £75.0m drawn on the RDH loan facility were repaid in full. The 2026 bond was cancelled and de-listed, and the £50.0m RCF and the RDH loan facility were cancelled in full.”
Auditor / going-concern / subsidiary information is extracted from the PDF version of the latest annual accounts and is not tagged in iXBRL. About these numbers
People
4 active · 50 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| KONING, Nicola | Secretary | 2022-12-16 | — | — |
| GODFREY, Gemma Claire | Director | 2023-01-10 | Sep 1983 | British |
| HAZELL, Michael Robert | Director | 2025-10-21 | Jun 1973 | British |
| WATKINS, Mark | Director | 2024-05-03 | Dec 1980 | British |
Show 50 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BALMONT, Owen | Secretary | 2022-06-14 | 2022-12-16 |
| DAVIES, John | Secretary | 2006-09-29 | 2012-08-17 |
| DE HAAN, Peter Charles | Secretary | 1995-08-11 | 1999-08-18 |
| FRASER, Richard John | Secretary | 1995-08-11 | 2004-10-26 |
| HAYNES, Victoria | Secretary | 2013-07-31 | 2022-06-14 |
| HOWARD, Stuart Michael | Secretary | 2000-05-08 | 2006-11-12 |
| STRINGER, Andrew Paul | Secretary | 2012-08-17 | 2013-07-31 |
| TSD SECRETARIES LIMITED | Corporate Nominee Secretary | 1995-02-17 | 1995-08-11 |
| ALTMANN, Rosalind Miriam | Director | 2012-02-16 | 2013-02-12 |
| ASHTON, Stephen David | Director | 2002-10-07 | 2009-01-12 |
| AUDHLAM-GARDINER, Nicola Cielle | Director | 2016-09-05 | 2017-06-30 |
| BATCHELOR, Lance Henry Lowe | Director | 2014-07-24 | 2020-01-31 |
| BOLAND, Andrew Kenneth | Director | 2011-06-23 | 2014-01-31 |
| BRENNAN, Kevin Lionel | Director | 1996-11-07 | 2001-12-31 |
| BROMAGE, Jeff | Director | 2018-12-07 | 2020-03-31 |
| BULL, Timothy Bruce | Director | 1995-08-11 | 2015-09-28 |
| CAMERON, James Docherty | Director | 2006-01-10 | 2008-10-03 |
| CAMERON, James Docherty | Director | 2002-03-12 | 2006-01-10 |
| COYNE, Kevin Edward Lawrence | Director | 1998-04-07 | 1999-01-21 |
| CROSS, Alexis | Director | 2020-08-11 | 2022-01-28 |
| CROSSLEY-MINTERN, Alison Victoria | Director | 2009-07-08 | 2011-05-06 |
| CUTBILL, Michael Andrew | Director | 2002-03-12 | 2005-03-31 |
| DAVIES, Alison | Director | 2009-04-16 | 2011-05-19 |
| DE HAAN, Peter Charles | Director | 1995-08-11 | 1999-08-18 |
| DE HAAN, Roger Michael | Director | 1995-08-11 | 2004-10-27 |
| DEACON, Andrew Robert | Director | 1996-10-09 | 2003-04-30 |
| DUFFY, Damien | Director | 2020-04-14 | 2020-07-31 |
| DUGGAN, Gary | Director | 2018-02-01 | 2019-12-24 |
| GOODSELL, John Andrew | Director | 1996-11-07 | 2015-09-28 |
| HATCH, Maurice Edward | Director | 1995-08-11 | 2003-01-15 |
| HILL, Jonathan Stanley | Director | 2015-07-13 | 2018-09-28 |
| HOPES, Julie | Director | 2020-07-16 | 2023-01-10 |
| HOSKINS, Amanda Louise | Director | 2009-04-16 | 2011-05-19 |
| HOWARD, Stuart Michael | Director | 2000-05-08 | 2015-07-15 |
| HUGGINS, Mark | Director | 2011-06-23 | 2014-01-31 |
| HURMAN, Nicholas James | Director | 2003-03-03 | 2004-11-29 |
| JARDIN, Aynsley Elaine | Director | 2005-09-05 | 2006-09-04 |
| KINGSHOTT, Steve | Director | 2022-07-07 | 2022-12-22 |
| LONEY, Philip Duncan | Director | 1996-11-07 | 1997-09-19 |
| MELVIN, Clifton Adrian | Director | 2015-09-28 | 2024-09-30 |
| MORRIS, Nigel Francis | Director | 2007-11-26 | 2008-10-31 |
| QUIN, James Barrington | Director | 2019-01-01 | 2023-10-20 |
| RAMSDEN, Roger Charles | Director | 2017-08-01 | 2018-01-31 |
| RAMSDEN, Roger Charles | Director | 2008-11-03 | 2015-09-24 |
| STRINGER, Andrew Paul | Director | 2017-01-26 | 2018-01-31 |
| STRONG, Andrew Jonathan Peter | Director | 2011-06-23 | 2017-01-26 |
| STRONG, Andrew Jonathan Peter | Director | 2002-03-12 | 2007-11-13 |
| TOHER, Jeremiah Charles | Director | 2022-11-16 | 2025-09-22 |
| WAUGH, Simon John | Director | 1995-08-11 | 1997-07-16 |
| TSD NOMINEES LIMITED | Corporate Nominee Director | 1995-02-17 | 1995-08-11 |
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 231 total filings
| Date | Type | Category | Description |
|---|---|---|---|
| 2026-02-24 | CH01 | officers | change person director company with change date |
| 2026-02-05 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2025-11-17 | AP01 | officers | appoint person director company with name date |
| 2025-11-04 | AAMD | accounts | accounts amended with accounts type full |
| 2025-10-10 | AA | accounts | accounts with accounts type full |
| 2025-09-25 | TM01 | officers | termination director company with name termination date |
| 2025-02-04 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2025-02-03 | MR01 | mortgage | mortgage create with deed with charge number charge creation date |
| 2025-01-30 | MA | incorporation | memorandum articles |
| 2025-01-30 | RESOLUTIONS | resolution | resolution |
| 2024-09-30 | TM01 | officers | termination director company with name termination date |
| 2024-09-27 | AA | accounts | accounts with accounts type full |
| 2024-05-03 | AP01 | officers | appoint person director company with name date |
| 2024-02-20 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2023-11-02 | AA | accounts | accounts with accounts type full |
| 2023-10-23 | TM01 | officers | termination director company with name termination date |
| 2023-07-28 | PSC05 | persons-with-significant-control | change to a person with significant control |
| 2023-07-27 | CH01 | officers | change person director company with change date |
| 2023-07-26 | CH01 | officers | change person director company with change date |
| 2023-07-26 | CH01 | officers | change person director company with change date |
Credit score
Altman Z″ — composite of working capital, retained earnings, EBIT, and leverage
Credit score requires extracted accounts data.
Activity Score
Filings velocity, capital events, officer churn, accounts trajectory
Activity Score not yet computed for this company.