ALLICA FINANCIAL SERVICES LIMITED
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Cash
—
Latest balance sheet
Net assets
£14M
+566.7% highest in 3 filed years
Employees
0
Average over period
Profit before tax
£21M
+111% highest in 3 filed years
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 |
|---|---|---|---|---|---|
| Net interest income | — | £39,400,000 | £47,300,000 | +20.1% | |
| Fee & commission income | — | £1,800,000 | £2,300,000 | +27.8% | |
| Operating income | — | £33,900,000 | £41,800,000 | +23.3% | |
| Impairment losses | — | £12,600,000 | £7,300,000 | -42.1% | |
| Profit before tax | -£4,037,000 | £10,000,000 | £21,100,000 | +111% | |
| Net profit | -£4,037,000 | £8,300,000 | £17,000,000 | +104.8% | |
| Loans & advances to customers | — | £1,181,600,000 | £1,181,600,000 | 0% | |
| Customer deposits | — | — | — | — | |
| Total assets | £725,286,000 | £1,186,000,000 | £1,188,100,000 | +0.2% | |
| Total liabilities | — | £1,189,000,000 | £1,174,100,000 | -1.3% | |
| Equity | -£11,272,000 | -£3,000,000 | £14,000,000 | +566.7% | |
| Average employees | — | 0 | 0 | — |
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 |
|---|---|---|---|---|
| Net margin | -13.4% | 10.2% | — | |
| Gearing (liabilities / total assets) | — | 100.3% | 98.8% | |
| Current ratio | 0.98x | 1.00x | — |
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
“The parent company, Allica Bank Limited, has confirmed its intentions to provide ongoing financial support to the Company for at least 12 months from the date of approval of these financial statements. As a result the going concern basis of accounting has been adopted to prepare these financial statements.”
Significant events
- “Conflict in the Middle East Subsequent to 31 December 2025, the Company has monitored the escalation of the conflict in the Middle East. The Company has no direct credit exposure to the region. The primary risks to the Company are indirect, arising from the potential impact of the conflict on the UK macroeconomic environment and, in turn, on established SMEs.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
5 active · 3 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| VALDAR, Catharine | Secretary | 2020-08-01 | — | — |
| BAKER, Nicholas James | Director | 2022-02-09 | Jan 1984 | British |
| BENNETT-DAVIES, Richard Hugh | Director | 2020-11-19 | May 1979 | British |
| DUNMUR, Alan Patrick | Director | 2023-11-10 | Jul 1968 | British |
| HEATH, James Benjamin | Director | 2020-08-01 | Oct 1971 | British |
Show 3 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| CAMERON, Richard David | Director | 2020-09-09 | 2021-09-24 |
| GILLAN, Aileen Margaret | Director | 2022-08-10 | 2023-10-06 |
| SCULLEY, Neil Anthony | Director | 2020-11-19 | 2022-07-31 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Allica Bank Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2020-08-01 | Active |
Filing timeline
Last 20 of 25 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-06-28 | AA | accounts | Accounts with accounts type full | |
| 2025-09-03 | AD01 | address | Change registered office address company with date old address new address | |
| 2025-08-21 | AA | accounts | Accounts with accounts type full | |
| 2025-08-12 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-08-08 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-06-05 | AA | accounts | Accounts with accounts type full | |
| 2023-12-05 | PSC05 | persons-with-significant-control | Change to a person with significant control | |
| 2023-11-10 | AP01 | officers | Appoint person director company with name date | |
| 2023-11-10 | TM01 | officers | Termination director company with name termination date | |
| 2023-08-08 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-05-22 | AA | accounts | Accounts with accounts type full | |
| 2022-09-08 | AD01 | address | Change registered office address company with date old address new address | |
| 2022-08-11 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-08-10 | AP01 | officers | Appoint person director company with name date | |
| 2022-08-10 | TM01 | officers | Termination director company with name termination date | |
| 2022-05-25 | AA | accounts | Accounts with accounts type full | |
| 2022-02-10 | AP01 | officers | Appoint person director company with name date | |
| 2021-11-02 | TM01 | officers | Termination director company with name termination date | |
| 2021-09-07 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2021-01-29 | AA01 | accounts | Change account reference date company current extended |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 4
- 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.