AIB UK LOAN MANAGEMENT LIMITED
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Cash
—
Latest balance sheet
Net assets
£233m
-14.7% lowest in 3 filed years
Employees
0
Average over period
Profit before tax
-£47m
-104.3% lowest in 3 filed years
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
Accounts not prepared on a going-concern basis
The financial statements for the year ended 31 December 2025 have been prepared on a basis other than that of going concern as the loan sales were completed in 2025 and the Directors' intention is to wind up the Company as soon as practical subject to fulfilling, or transferring, obligations included within loan and other agreements. The costs of such a wind up are not expected to be material and have not been provided for by the Company. Under this basis of accounting, assets are stated at their estimated realisable value and liabilities are stated at their estimated settlement value.
-
Going-concern uncertainty disclosed
Net assets
3-year trend · vs Industrials 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 |
|---|---|---|---|---|---|
| Turnover | £76,000,000 | £85,000,000 | — | — | |
| Operating profit | £8,000,000 | £7,000,000 | -£10,000,000 | -242.9% | |
| Profit before tax | -£29,000,000 | -£23,000,000 | -£47,000,000 | -104.3% | |
| Net profit | -£27,000,000 | -£23,000,000 | -£40,000,000 | -73.9% | |
| Cash | — | — | — | — | |
| Total assets less current liabilities | — | £273,000,000 | £233,000,000 | -14.7% | |
| Net assets | — | £273,000,000 | £233,000,000 | -14.7% | |
| Equity | £296,000,000 | £273,000,000 | £233,000,000 | -14.7% | |
| Average employees | 0 | 0 | 0 | — | |
| Wages | — | — | — | — | |
| Directors' remuneration | — | — | — | — |
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 | 10.5% | 8.2% | — | |
| Net margin | -35.5% | -27.1% | — | |
| Return on capital employed | — | 2.6% | -4.3% | |
| Gearing (liabilities / total assets) | — | 67.9% | 62.6% | |
| Current ratio | — | 1.47x | 1.60x | |
| Interest cover | 2.67x | 0.09x | -0.19x |
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
- AIB UK LOAN MANAGEMENT LIMITED 2010-12-30 → present
- REFAL 209 LIMITED 1988-06-08 → 2010-12-30
Audit & accounting basis
- Accounting basis
- FRS 101
- Reporting scope
- Standalone (parent only)
- Auditor
- PricewaterhouseCoopers
- Audit opinion
- Unqualified (clean)
- Going concern
- Not a going concern (break-up basis)
“The financial statements for the year ended 31 December 2025 have been prepared on a basis other than that of going concern as the loan sales were completed in 2025 and the Directors' intention is to wind up the Company as soon as practical subject to fulfilling, or transferring, obligations included within loan and other agreements. The costs of such a wind up are not expected to be material and have not been provided for by the Company. Under this basis of accounting, assets are stated at their estimated realisable value and liabilities are stated at their estimated settlement value.”
Group structure
- AIB UK LOAN MANAGEMENT LIMITED · parent
- AIB PFP (General Partner) Limited 100%
- AIB PFP Scottish Limited Partnership 25%
Significant events
- “All loans were disposed of during 2025.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
5 active · 45 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| GOULDSON, Conor | Secretary | 2026-01-16 | — | — |
| MORRIS, Michael Vivian | Director | 2016-01-28 | Sep 1974 | Irish |
| O'SHEA, Donall | Director | 2016-01-28 | Jul 1971 | Irish |
| SCULLY, Paul Peter | Director | 2022-09-29 | Jan 1975 | Irish |
| SULLIVAN, Jenny Ann | Director | 2024-12-12 | Nov 1981 | British |
Show 45 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| ANDERSON, Derek James | Secretary | — | 1992-12-07 |
| COLLINS, Eithne Christine | Secretary | 1998-04-24 | 1999-04-26 |
| HALLISSEY, Elizabeth Anne | Secretary | 2020-12-11 | 2022-01-26 |
| HAMILTON, Iain Alexander | Secretary | 2017-03-31 | 2019-06-28 |
| KEARNS, Brian | Secretary | 2019-06-28 | 2020-12-11 |
| KELLY, Adrian Richard | Secretary | 2022-01-27 | 2026-01-16 |
| MCNAIR, Julie Margaret | Secretary | 1999-04-26 | 1999-09-24 |
| MCNAIR, Julie Margaret | Secretary | 1997-03-21 | 1998-04-24 |
| O'CALLAGHAN, David | Secretary | 2016-06-17 | 2017-03-31 |
| PECK, Tiana Jennifer, Ms. | Secretary | 1999-09-24 | 2016-06-17 |
| SCULLY, Claire Gertrude | Secretary | 1992-12-07 | 1997-03-21 |
| AYRTON, Michael John | Director | 1992-12-07 | 1998-05-18 |
| BOLAND, Robert Matthew | Director | 2010-12-15 | 2011-06-10 |
| BOULCOTT, Simon Peter | Director | 2002-01-07 | 2010-12-20 |
| CARROLL, Noel John | Director | 1998-05-18 | 2005-07-12 |
| CUNNINGHAM, John Damian | Director | 2000-03-24 | 2010-12-21 |
| DRURY-BYRNE, Patrick David | Director | 2012-07-23 | 2014-03-31 |
| DUFF, John | Director | 2017-06-07 | 2020-09-25 |
| ELLIOTT, Albert Edward | Director | — | 1992-12-07 |
| GAHAN, Janet Elaine | Director | 2021-09-16 | 2023-10-02 |
| GRIFFIN, David William | Director | 1992-12-07 | 1995-01-03 |
| HAMMOND, Simon Mark | Director | 2010-12-15 | 2011-09-08 |
| JENNINGS, Colin Aubrey | Director | 2013-02-18 | 2017-05-25 |
| KELLY, Sharon | Director | 2013-01-21 | 2014-03-31 |
| KILTY, John Francis | Director | 1992-12-07 | 1996-01-05 |
| LAWRENCE, Rachel Michelle | Director | 2017-06-07 | 2020-08-07 |
| LYNES, Jeremiah Fintan | Director | 1992-12-07 | 1993-10-18 |
| MCMAHON, Eugene Anthony | Director | 2011-10-18 | 2013-01-11 |
| MORTENSEN, Keld | Director | 2010-12-15 | 2011-10-18 |
| NAUGHTON, Rachel Fiona | Director | 2010-12-15 | 2014-03-31 |
| O'DONNELL, Hugh Anthony | Director | 2010-12-15 | 2016-12-14 |
| O'KEEFFE, Gerard Mortimer, Mr. | Director | 2006-10-31 | 2016-06-17 |
| O'NEILL, Ronan Gerard | Director | 2011-10-18 | 2013-06-26 |
| O'NEILL, Shane | Director | 2014-03-31 | 2015-12-09 |
| REID, Stephen John Kent | Director | 2013-07-23 | 2014-03-31 |
| RENWICK, David | Director | 2014-03-31 | 2015-12-07 |
| RUTLEDGE, Robert | Director | 2010-12-15 | 2013-02-28 |
| RYAN, Paula Ann | Director | 2000-03-24 | 2005-09-21 |
| SAVAGE, Anna Jane | Director | 2020-08-07 | 2021-09-16 |
| SHORT, Patrick Joseph, Mr | Director | 2020-10-05 | 2024-09-27 |
| SPRATT, Peter Norman | Director | 2011-08-01 | 2013-05-31 |
| STANLEY, Paul Gerard | Director | 2010-12-15 | 2011-10-18 |
| SULLIVAN, Francis Xavier | Director | 2005-07-01 | 2006-10-31 |
| TREBLE, Nicholas John | Director | 2010-12-15 | 2012-07-04 |
| WHITE, Stephen Charles | Director | 1996-01-05 | 2001-02-03 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Aib Holdings (U.K.) Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Ceased 2016-04-06 |
| Aib Group Public Limited Company | Corporate entity | Shares 75–100% (as firm), Voting 75–100% (as firm), Appoints directors (as firm), Significant influence (as firm) | 2016-04-06 | Active |
Filing timeline
Last 20 of 217 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-07-14 | AA | accounts | Accounts with accounts type full | |
| 2026-06-03 | CH01 | officers | Change person director company with change date | |
| 2026-01-30 | AP03 | officers | Appoint person secretary company with name date | |
| 2026-01-30 | TM02 | officers | Termination secretary company with name termination date | |
| 2025-10-20 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-10-02 | AA | accounts | Accounts with accounts type full | |
| 2025-02-11 | CH01 | officers | Change person director company with change date | |
| 2024-12-16 | AP01 | officers | Appoint person director company with name date | |
| 2024-10-14 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-10-09 | TM01 | officers | Termination director company with name termination date | |
| 2024-07-11 | AA | accounts | Accounts with accounts type full | |
| 2024-06-18 | CH01 | officers | Change person director company with change date | |
| 2024-03-20 | AD01 | address | Change registered office address company with date old address new address | |
| 2023-11-14 | CH01 | officers | Change person director company with change date | |
| 2023-10-20 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-10-18 | TM01 | officers | Termination director company with name termination date | |
| 2023-10-17 | CH01 | officers | Change person director company with change date | |
| 2023-05-10 | AA | accounts | Accounts with accounts type full | |
| 2022-10-27 | CH01 | officers | Change person director company with change date | |
| 2022-10-07 | CS01 | confirmation-statement | Confirmation statement with no updates |
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.