LIVERPOOL VICTORIA FINANCIAL SERVICES LIMITED
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Cash
—
Latest balance sheet
Net assets
-£100m
-370.3% vs 2024
Employees
1,253
+3% vs 2024
Profit before tax
-£37m
-168.5% vs 2024
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
Negative shareholders' funds
Profit before tax
2-year trend · vs Financials median
Accounts
2-year trend · Δ = latest vs prior filed period · latest reflected 2025-12-31
| Metric | Trend | 2024-12-31 | 2025-12-31 | Δ vs prior |
|---|---|---|---|---|
| Gross written premiums | £780,000,000 | £737,000,000 | -5.5% | |
| Net earned premiums | £432,000,000 | £427,000,000 | -1.2% | |
| Claims incurred | £1,189,000,000 | £1,122,000,000 | -5.6% | |
| Investment return | £462,000,000 | £383,000,000 | -17.1% | |
| Profit before tax | £54,000,000 | -£37,000,000 | -168.5% | |
| Net profit | — | -£86,000,000 | — | |
| Insurance contract liabilities | £7,207,000,000 | £7,259,000,000 | +0.7% | |
| Total assets | £11,522,000,000 | £11,515,000,000 | -0.1% | |
| Total liabilities | £11,485,000,000 | £11,615,000,000 | +1.1% | |
| Equity | £37,000,000 | -£100,000,000 | -370.3% | |
| Average employees | 1,216 | 1,253 | +3% |
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
Audit & accounting basis
- Accounting basis
- IFRS
- Reporting scope
- Consolidated group
- Auditor
- PricewaterhouseCoopers LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The directors continue to adopt the going concern basis of accounting in preparing the annual report and financial statements.”
Group structure
- LIVERPOOL VICTORIA FINANCIAL SERVICES LIMITED · parent
- LVFS 100%
- LV Life Services Limited 100%
- LV Commercial Mortgages Limited 100%
- Liverpool Victoria Financial Advice Services Limited 100%
- LV Protection Limited 100%
- LV Capital Limited 100%
- Teachers Assurance Company Limited 100%
Significant events
- “There are no subsequent events that require disclosure.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
9 active · 11 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| WILSON, Oliver Thomas | Secretary | 2024-11-04 | — | — |
| HYNAM, David Emmanuel | Director | 2022-10-24 | Aug 1971 | British |
| LEDLIE, Maxwell Colin | Director | 2020-01-02 | Mar 1966 | British |
| MCINNES, Susan Davidson | Director | 2020-04-01 | Jul 1962 | British |
| MOORE, Simon Alick | Director | 2022-06-17 | May 1965 | British |
| NEUBERT, Suzy Anne Efua Gloria | Director | 2022-03-01 | Jun 1965 | Irish |
| PEARS, Jonathan Robson, Dr | Director | 2026-04-10 | Apr 1968 | British |
| PERCIVAL, Stephen Keith | Director | 2023-06-22 | Oct 1975 | British |
| ROGERS, David Frederick Swiffen | Director | 2023-03-01 | May 1956 | British |
Show 11 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| JONES, Michael Peter | Secretary | 2020-01-02 | 2024-11-04 |
| BARRAL, David Barclay | Director | 2020-01-02 | 2022-03-07 |
| CEENEY, Natalie Anna | Director | 2022-03-01 | 2026-01-31 |
| COOK, Alan Ronald | Director | 2020-01-02 | 2022-02-28 |
| CREEDON, Seamus | Director | 2020-01-16 | 2023-03-31 |
| HARTIGAN, Mark Patrick | Director | 2020-06-15 | 2022-09-30 |
| HUTCHINSON, Alison Elizabeth | Director | 2020-01-02 | 2022-04-01 |
| LAWLER, Tanya Michelle | Director | 2020-01-02 | 2020-01-29 |
| NEAVE, David Stanley | Director | 2020-01-02 | 2020-06-30 |
| SAVAGE, Luke | Director | 2020-01-02 | 2022-04-01 |
| SNOW, Anthony Wayne | Director | 2020-01-02 | 2021-09-16 |
Ownership
Persons with significant control
Filing timeline
Last 20 of 42 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-07-18 | AA | accounts | Accounts with accounts type group | |
| 2026-07-09 | AP01 | officers | Appoint person director company with name date | |
| 2026-05-28 | TM01 | officers | Termination director company with name termination date | |
| 2026-04-17 | AP01 | officers | Appoint person director company with name date | |
| 2026-03-31 | TM01 | officers | Termination director company | |
| 2026-02-02 | TM01 | officers | Termination director company with name termination date | |
| 2025-08-18 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-07-16 | AA | accounts | Accounts with accounts type group | |
| 2024-11-13 | AP03 | officers | Appoint person secretary company with name date | |
| 2024-11-13 | TM02 | officers | Termination secretary company with name termination date | |
| 2024-08-29 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-07-10 | CH01 | officers | Change person director company with change date | |
| 2024-07-08 | AA | accounts | Accounts with accounts type group | |
| 2023-08-29 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-07-18 | AA | accounts | Accounts with accounts type group | |
| 2023-06-26 | AP01 | officers | Appoint person director company with name date | |
| 2023-04-03 | TM01 | officers | Termination director company with name termination date | |
| 2023-03-01 | AP01 | officers | Appoint person director company with name date | |
| 2022-10-27 | AP01 | officers | Appoint person director company with name date | |
| 2022-10-03 | TM01 | officers | Termination director company with name termination date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 7
- 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.