RAC MOTORING SERVICES
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Cash
—
Latest balance sheet
Net assets
£408m
+31.6% highest in 3 filed years
Employees
3,734
-0.8% vs 2024
Profit before tax
£128m
+12.3% highest in 3 filed years
Net assets
3-year trend · vs Consumer Discretionary median
Accounts
3-year trend · Δ = latest vs prior filed period · latest reflected 2025-12-31
| Metric | Trend | 2023-12-31 | 2024-12-31 | 2025-12-31 | Δ vs prior |
|---|---|---|---|---|---|
| Gross written premiums | — | £301,000,000 | £413,000,000 | +37.2% | |
| Net earned premiums | — | £287,000,000 | £377,000,000 | +31.4% | |
| Claims incurred | — | £184,000,000 | £265,000,000 | +44% | |
| Investment return | — | £35,000,000 | £38,000,000 | +8.6% | |
| Profit before tax | £87,000,000 | £114,000,000 | £128,000,000 | +12.3% | |
| Net profit | £66,000,000 | £85,000,000 | £96,000,000 | +12.9% | |
| Insurance contract liabilities | — | £66,000,000 | £102,000,000 | +54.5% | |
| Total assets | £692,000,000 | £845,000,000 | — | — | |
| Total liabilities | £467,000,000 | £535,000,000 | £608,000,000 | +13.6% | |
| Equity | £225,000,000 | £310,000,000 | £408,000,000 | +31.6% | |
| Average employees | 3,618 | 3,763 | 3,734 | -0.8% |
Values shown as filed in the company's annual accounts. — indicates the figure wasn't present under that line item in that period. The Δ column is the change from the prior filed period as a percentage of |prior|; lines a company doesn't report show —. About these numbers
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|
| Operating margin | 11.0% | 14.0% | — | |
| Net margin | 12.9% | 15.3% | — | |
| Return on capital employed | 13.3% | 15.4% | — | |
| Gearing (liabilities / total assets) | 67.5% | 63.3% | — | |
| Current ratio | 1.07x | 1.23x | — | |
| Interest cover | 11.20x | 15.60x | — |
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.
Name history
Renamed 1 time since incorporation
- RAC MOTORING SERVICES 2011-06-08 → present
- R.A.C. MOTORING SERVICES 1979-05-31 → 2011-06-08
Audit & accounting basis
- Accounting basis
- IFRS
- Reporting scope
- Standalone (parent only)
- Auditor
- Deloitte LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“Having undertaken this assessment, the Directors have a reasonable expectation that the Company has adequate resources to continue in operational existence for the foreseeable future, at least 12 months from the date of the audit report being issued. For these reasons, they continue to adopt the going concern basis in preparing the Company's Financial Statements.”
Group structure
- RAC MOTORING SERVICES · parent
- RACMS (Ireland) Limited 100%
Significant events
- “During 2025 a refinancing of the Group's Class A2 notes was completed, reducing the RAC's net debt position by £165m, improving the RAC's debt maturity profile and liquidity position to support the RAC's long-term sustainability and financial strength.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
8 active · 72 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| FRITES, Shiam | Secretary | 2024-07-22 | — | — |
| BAKER, Joanna Mary | Director | 2018-07-02 | Mar 1974 | British |
| GALE, Patrick Nigel Christopher | Director | 2015-06-01 | Mar 1960 | British |
| GUEST, Ben | Director | 2023-04-13 | Jun 1985 | British |
| HOBDAY, David Arthur | Director | 2017-03-02 | Jan 1969 | British |
| MOHINDRA, Tesula | Director | 2022-09-01 | Nov 1966 | British |
| TEMPLEMAN, Robert William | Director | 2011-11-29 | Oct 1957 | British |
| WOOD, Gregory Mark | Director | 2011-11-29 | Jul 1953 | British |
Show 72 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BARRETT, Paul James | Secretary | 2018-11-08 | 2020-04-01 |
| BOWDEN, Kelly | Secretary | 2021-09-03 | 2022-09-23 |
| COLES, Pamela Mary | Secretary | 2004-09-24 | 2005-06-30 |
| COLES, Pamela Mary | Secretary | 2000-05-22 | 2004-05-05 |
| GRIFFITHS, Lisa | Secretary | 2023-01-31 | 2024-04-30 |
| JOHNSTON, David Keith | Secretary | — | 1991-06-12 |
| KEEL DIFFEY, Simon John | Secretary | 2004-05-05 | 2004-09-24 |
| KEMLO, Hugh | Secretary | — | 1998-12-16 |
| MAVOR, Ian Gordon Ferrier | Secretary | 1998-12-16 | 1999-07-31 |
| MORRISON, Scott | Secretary | 2011-09-30 | 2018-03-30 |
| SPICKER, Richard Harold | Secretary | 2007-07-12 | 2011-09-30 |
| YOUNG, Mark Lees | Secretary | 1999-07-30 | 2000-05-22 |
| AVIVA COMPANY SECRETARIAL SERVICES LIMITED | Corporate Secretary | 2005-06-30 | 2007-07-12 |
| ABRAHAMS, Clifford James | Director | 2010-07-26 | 2011-09-30 |
| ANDERSON, John | Director | — | 1993-03-18 |
| BESWICK, Timothy John | Director | 2000-04-04 | 2002-07-01 |
| BONE, Michael Albert | Director | — | 1995-02-15 |
| BOWLES, Simon Alan | Director | 2003-03-28 | 2003-08-04 |
| BRINN, Nigel James | Director | 1995-02-15 | 1996-08-22 |
| CALDWELL, Findlay Martin | Director | 2004-05-05 | 2004-12-31 |
| COLES, Pamela Mary | Director | 2004-05-05 | 2005-06-30 |
| COOKE, Roger Matthew | Director | — | 1993-03-18 |
| COUGILL, Diane | Director | 2011-03-01 | 2016-09-05 |
| EASTER, Philip Charles | Director | 2005-06-30 | 2007-01-01 |
| EGAN, Sean | Director | 2010-04-01 | 2011-09-30 |
| FAIRMAN, Richard William Mark | Director | 2016-09-05 | 2018-02-27 |
| FOSTER, Christopher David, Sir | Director | 1998-04-06 | 1999-07-16 |
| GILL, Arthur Denys | Director | — | 1993-03-18 |
| GUY, Paul Nelson | Director | — | 1994-12-31 |
| HARRISON, Andrew | Director | 1999-07-30 | 2004-05-05 |
| HEWITT, Alison Deborah | Director | 2004-05-05 | 2005-10-26 |
| HEWITT, Paul William | Director | 1999-07-30 | 2003-03-28 |
| HIDDLESTON, David James | Director | 2004-05-05 | 2005-11-17 |
| HUNT, Jacqueline | Director | 2007-01-01 | 2008-09-04 |
| JOHNSON, Neil Anthony | Director | 1994-02-01 | 1999-07-31 |
| JOHNSTON, David Keith | Director | — | 1993-09-06 |
| KEOWN, Timothy Gordon | Director | — | 1993-03-18 |
| KITSON, John Robert | Director | 2006-05-09 | 2010-03-31 |
| LIMB, Michael James | Director | — | 1995-02-15 |
| LIVERMORE, David John | Director | 1993-03-18 | 1995-10-05 |
| MACHELL, Simon Christopher | Director | 2005-06-30 | 2007-07-12 |
| MAVOR, Ian Gordon Ferrier | Director | 1994-04-13 | 1999-07-31 |
| MAYER, Igal Mordeciah | Director | 2007-07-13 | 2009-12-31 |
| MCGIVERN, Brian Kenneth | Director | — | 1995-02-15 |
| MCMILLAN, David John Ramsay | Director | 2010-02-23 | 2011-09-30 |
| MCMILLAN, David John Ramsay | Director | 2008-11-04 | 2009-01-02 |
| MCMILLAN, David John Ramsay | Director | 2008-08-11 | 2008-09-01 |
| MICHAEL, Kerry | Director | 2011-12-16 | 2016-05-23 |
| MILLER, Alastair | Director | 1993-03-18 | 1999-07-31 |
| MUTKIN, Henry Gerald | Director | — | 1995-02-15 |
| PARKER, Eric Wilson, Sir | Director | — | 1993-03-18 |
| PENNYCOOK, Richard | Director | 2003-08-04 | 2005-06-30 |
| POSNER, Howard Michael | Director | 2004-05-05 | 2005-02-04 |
| POTTS, Graeme John | Director | 1999-07-30 | 2002-01-31 |
| RICHARDSON, Frank | Director | 1993-03-18 | 1996-02-28 |
| RILEY, Kathryn Mary | Director | 1995-02-15 | 1996-05-31 |
| RITCHIE, Hamish Martin John | Director | — | 1995-02-15 |
| ROGERS, John, Sir | Director | — | 1995-02-15 |
| ROSE, Jeffrey David | Director | — | 1998-04-09 |
| RYAN, Phillip David Andrew | Director | 2017-03-09 | 2023-04-13 |
| SEARS, John George Stanley | Director | — | 1993-03-18 |
| SEATON, John | Director | 2007-08-13 | 2007-09-01 |
| SEATON, John | Director | 2006-06-19 | 2006-10-09 |
| SEYMOUR-JACKSON, Angela Charlotte | Director | 2011-03-01 | 2012-01-31 |
| SNOWBALL, Patrick Joseph Robert | Director | 2005-06-30 | 2006-05-09 |
| WALDEN, Jonathan Kim | Director | 2004-10-01 | 2005-02-04 |
| WATSON, David Kenneth | Director | 2009-01-02 | 2010-03-31 |
| WILKES, Duncan Stewart | Director | 2004-05-05 | 2005-11-17 |
| WILLIAMS, John Alan | Director | — | 1994-05-18 |
| WOODHOUSE, Christopher Kevin | Director | 2012-02-03 | 2017-03-02 |
| WORSKETT, David Hallows | Director | 1995-02-15 | 1999-07-31 |
| YOUNG, Mark Lees | Director | 1999-07-30 | 1999-12-14 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Rac Motoring Services (Holdings) Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Active |
Filing timeline
Last 20 of 337 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-08-10 | AA | accounts | Accounts with accounts type full | |
| 2026-05-26 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-08-15 | AA | accounts | Accounts with accounts type full | |
| 2025-05-23 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-09-19 | AA | accounts | Accounts with accounts type full | |
| 2024-07-25 | AP03 | officers | Appoint person secretary company with name date | |
| 2024-05-28 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-04-30 | TM02 | officers | Termination secretary company with name termination date | |
| 2023-09-22 | AA | accounts | Accounts with accounts type full | |
| 2023-05-30 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-04-24 | AP01 | officers | Appoint person director company with name date | |
| 2023-04-24 | TM01 | officers | Termination director company with name termination date | |
| 2023-04-19 | PSC05 | persons-with-significant-control | Change to a person with significant control | |
| 2023-02-03 | AP03 | officers | Appoint person secretary company with name date | |
| 2023-01-23 | CH01 | officers | Change person director company with change date | |
| 2023-01-23 | CH01 | officers | Change person director company with change date | |
| 2023-01-23 | CH01 | officers | Change person director company with change date | |
| 2023-01-23 | CH01 | officers | Change person director company with change date | |
| 2022-10-06 | TM02 | officers | Termination secretary company with name termination date | |
| 2022-09-21 | AA | accounts | Accounts with accounts type full |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 2
- Capital events
- 0
- 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.