SAGA PERSONAL FINANCE LIMITED
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Next accounts due
2026-10-31 (in 5mo)
Last filed for 2025-01-31
Confirmation statement due
2027-02-18 (in 9mo)
Last made up 2026-02-04
Watchouts
None on the register
Cash
£1M
+21.9% vs 2024
Net assets
£6M
-7.3% vs 2024
Employees
20
+5.3% vs 2024
Profit before tax
£712K
-24.6% vs 2024
Name history
Renamed 4 times since incorporation
- SAGA PERSONAL FINANCE LIMITED 2018-02-02 → present
- ACROMAS FINANCIAL SERVICES LIMITED 2011-05-24 → 2018-02-02
- SAGA PERSONAL FINANCE LIMITED 2006-12-20 → 2011-05-24
- SAGA INVESTMENT DIRECT LIMITED 1995-08-08 → 2006-12-20
- IBIS (297) LIMITED 1995-02-17 → 1995-08-08
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 | £6,388,000 | £5,612,000 | |
| Operating profit | — | — | |
| Profit before tax | £944,000 | £712,000 | |
| Net profit | £717,000 | £515,000 | |
| Cash | £832,000 | £1,014,000 | |
| Total assets less current liabilities | £6,677,000 | £6,192,000 | |
| Net assets | £6,677,000 | £6,192,000 | |
| Equity | £6,677,000 | £6,192,000 | |
| Average employees | 19 | 20 | |
| Wages | £1,472,000 | £1,829,000 |
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 |
|---|---|---|---|
| Net margin | 11.2% | 9.2% | |
| Current ratio | 3.08x | 2.69x |
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
- 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 and subsidiary information is drawn from the narrative of the latest annual accounts. 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
Material constitutional events — rename, articles re-file, resolution
- 2025-01-30 MA Memorandum articles
- 2025-01-30 RESOLUTIONS Resolution
| 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 |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 6
- 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
FY2024 → FY2025 · period ending 2025-01-31 vs 2024-01-31
-
Turnover
-12.1%
£6,388,000 £5,612,000
-
Cash
+21.9%
£832,000 £1,014,000
-
Net assets
-7.3%
£6,677,000 £6,192,000
-
Employees
+5.3%
19 20
-
Profit before tax
-24.6%
£944,000 £712,000
-
Wages
+24.3%
£1,472,000 £1,829,000
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