EFS FINANCIAL SERVICES LIMITED
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Next accounts due
2026-09-30 (in 4mo)
Last filed for 2024-12-31
Confirmation statement due
2026-08-15 (in 3mo)
Last made up 2025-08-01
Watchouts
None on the register
Cash
—
Latest balance sheet
Net assets
—
Equity attributable
Employees
—
Average over period
Profit before tax
-£2M
+21.3% vs 2023
Name history
Renamed 3 times since incorporation
- EFS FINANCIAL SERVICES LIMITED 2018-03-27 → present
- ENDSLEIGH FINANCIAL SERVICES LIMITED 2012-12-11 → 2018-03-27
- ENDSLEIGH INDEPENDENT FINANCIAL SERVICES LIMITED 2007-03-07 → 2012-12-11
- ENDSLEIGH INDEPENDENT FINANCIAL SERVICES LTD 2000-12-29 → 2007-03-07
Profit before tax
2-year trend · vs Financials median
Accounts
2-year trend · latest reflected 2024-12-31
| Metric | Trend | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Turnover | £1,000 | £1,000 | |
| Operating profit | -£266,000 | -£250,000 | |
| Profit before tax | -£2,437,000 | -£1,917,000 | |
| Net profit | -£2,787,000 | -£889,000 | |
| Cash | — | — | |
| Total assets less current liabilities | — | — | |
| Net assets | — | — | |
| Equity | — | — | |
| 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 |
|---|---|---|---|
| Operating margin | -26600.0% | -25000.0% | |
| Net margin | -278700.0% | -88900.0% | |
| Interest cover | -0.12x | -1.43x |
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
- Ernst & Young LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“On the basis of ongoing support from the parent company, the directors are satisfied that the company has adequate resources to continue in operational existence for the period of twelve months from the date of signing, accordingly, it is appropriate to use the going concern basis in preparing the financial statements.”
Significant events
- “On 26 June 2024, the company issued 9,000,000 ordinary shares of £1 each to Zurich Holdings (UK) Limited ("ZHUK") for £9,000,000, to fund the annual pension scheme contribution as part of the agreed deficit recovery plan.”
- “On 23 May 2025, the company provided a loan of £11,200,000 to Zurich Financial Services UKISA Limited at an interest rate of 4.5206% pa and a maturity date of 28 May 2028.”
- “On 23 May 2025, a capital injection of £11.2m (equivalent to the Value at Risk ("VAR") of the Scheme as at 31 December 2023 on a technical provisions basis) will be made by ZHUK into the Company.”
- “On 23 May 2025, the company will make a loan of £11.2m to Zurich Financial Services (UKISA) Limited ("UKISA").”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
3 active · 23 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| ZURICH CORPORATE SECRETARY (UK) LIMITED | Corporate Secretary | 2018-03-26 | — | — |
| HORNE, Christopher | Director | 2020-06-24 | Jan 1977 | British |
| JENKINS, Gareth David | Director | 2020-01-01 | Jan 1976 | British |
Show 23 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| PARSONS, David John Charles | Secretary | 2000-12-29 | 2015-04-30 |
| ENDSLEIGH CORPORATE SECRETARY LIMITED | Corporate Secretary | 2015-04-30 | 2018-03-26 |
| SWIFT INCORPORATIONS LIMITED | Corporate Nominee Secretary | 2000-12-29 | 2000-12-29 |
| ALCOCK, Michael | Director | 2004-09-02 | 2010-05-01 |
| ALLISON, Robert John | Director | 2009-08-12 | 2009-11-05 |
| BOLTON, Paul Christopher | Director | 2017-11-16 | 2018-03-26 |
| BRINLEY, Jeffery Charles | Director | 2004-09-02 | 2018-03-26 |
| DODDS, Gerald Vincent | Director | 2007-02-23 | 2014-03-25 |
| ETHERIDGE, Elaine Anne | Director | 2000-12-29 | 2018-02-14 |
| LARDEN, Timothy David | Director | 2014-07-15 | 2014-10-31 |
| MARTIN, Kay | Director | 2011-02-03 | 2016-07-01 |
| NEAVE, Matthew Ray | Director | 2017-06-27 | 2018-03-26 |
| NICHOLS, David Charles George | Director | 2014-07-15 | 2016-09-06 |
| PARSONS, David John Charles | Director | 2000-12-29 | 2003-03-17 |
| PASSMORE, Ian | Director | 2000-12-29 | 2014-06-30 |
| PICKFORD, Helen Alison | Director | 2018-03-26 | 2020-06-24 |
| QUIN, James Barrington | Director | 2018-03-26 | 2018-08-31 |
| SCOTT, Paul | Director | 2017-06-27 | 2017-07-28 |
| SEARLES, Mark Peter Lister | Director | 2007-12-18 | 2009-07-31 |
| SMITH, Antony Alan | Director | 2009-10-05 | 2015-07-31 |
| SMITH, William | Director | 2000-12-29 | 2008-08-29 |
| SYKES, James Richard | Director | 2018-03-26 | 2019-12-31 |
| WARD, Keith | Director | 2002-11-06 | 2007-02-23 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Zurich Holdings (Uk) Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2018-03-26 | Active |
| Endsleigh Insurance Services Limited | Corporate entity | Shares 75–100% | 2016-04-06 | Ceased 2018-03-26 |
| Endsleigh Insurance Services Limited | Legal person | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Ceased 2018-03-26 |
Filing timeline
Last 20 of 154 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2025-08-18 | AA | accounts | Accounts with accounts type full | |
| 2025-08-01 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-05-23 | SH01 | capital | Capital allotment shares | |
| 2025-01-02 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-09-04 | AA | accounts | Accounts with accounts type full | |
| 2024-06-28 | SH01 | capital | Capital allotment shares | |
| 2024-01-02 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-09-29 | AA | accounts | Accounts with accounts type full | |
| 2023-07-04 | SH01 | capital | Capital allotment shares | |
| 2023-01-16 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-10-25 | CH01 | officers | Change person director company with change date | |
| 2022-10-25 | CH01 | officers | Change person director company with change date | |
| 2022-10-24 | AD02 | address | Change sail address company with old address new address | |
| 2022-09-01 | AA | accounts | Accounts with accounts type full | |
| 2022-06-08 | SH01 | capital | Capital allotment shares | |
| 2022-01-04 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2021-11-12 | CH04 | officers | Change corporate secretary company with change date | |
| 2021-11-12 | AD01 | address | Change registered office address company with date old address new address | |
| 2021-09-16 | AA | accounts | Accounts with accounts type full | |
| 2021-07-07 | AUD | auditors | Auditors resignation company |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 3
- Capital events
- 2
- Officers appointed
- 0
- Officers resigned
- 0
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
0%
£1,000 £1,000
-
Cash
—
Not reported
-
Net assets
—
Not reported
-
Employees
—
Not reported
-
Operating profit
+6%
-£266,000 -£250,000
-
Profit before tax
+21.3%
-£2,437,000 -£1,917,000
Each % is (latest − prior) ÷ |prior| for the line item as filed. The comparison is only shown when the latest and prior accounts cover broadly equal-length periods — short or long stubs (typical around incorporation or a year-end change) are suppressed rather than misrepresented. Lines a company doesn't report are omitted. About these numbers