LIVERPOOL VICTORIA FINANCIAL SERVICES LIMITED
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Cash
—
Latest balance sheet
Net assets
-£100m
Equity attributable
Employees
1,256
highest in 3 filed years
Profit before tax
-£37m
Period ending 2025-12-31
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
Negative shareholders' funds
Net assets
3-year trend · vs Financials 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 | £708,000,000 | £760,000,000 | £737,000,000 | — | |
| Net earned premiums | £495,000,000 | £452,000,000 | £427,000,000 | — | |
| Claims incurred | £877,000,000 | £1,189,000,000 | £1,122,000,000 | — | |
| Investment return | £285,000,000 | £462,000,000 | £383,000,000 | — | |
| Profit before tax | -£28,000,000 | -£49,000,000 | -£37,000,000 | — | |
| Net profit | — | — | — | — | |
| Insurance contract liabilities | £7,718,000,000 | £7,207,000,000 | £7,259,000,000 | — | |
| Total assets | £12,282,000,000 | £11,522,000,000 | £11,515,000,000 | — | |
| Total liabilities | £10,232,000,000 | £11,522,000,000 | £11,615,000,000 | — | |
| Equity | £2,050,000,000 | -£101,000,000 | -£100,000,000 | — | |
| Average employees | 1,216 | 1,219 | 1,256 | — |
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 —. Year-on-year comparison hidden: this filing's period length differs materially from the prior year. 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 |
|---|---|---|---|---|
| Gearing (liabilities / total assets) | — | 100.0% | 100.9% |
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
- UK-adopted International Accounting Standards
- Reporting scope
- Consolidated group
- Auditor
- Mazars LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“In concluding that the Directors' use of the going concern basis of accounting in the preparation of the financial statements is appropriate, we considered the Directors' assessment... We also considered the Directors' statement that they have a reasonable expectation that the Company will continue to operate over twelve months from the date of approval of the 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%
- LV Equity Release Limited 100%
- Teachers' Assurance Company Limited 100%
- Ayresbrook Limited 100%
- The LV= Pension Trustee Limited 100%
- The Ockham Pension Trustee Limited 100%
- Liverpool Victoria Trustees 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
- 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.