IAG LOYALTY RETAIL LIMITED
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Cash
£628k
-88.3% vs 2024
Net assets
-£10m
-38.5% lowest in 3 filed years
Employees
23
+35.3% highest in 3 filed years
Profit before tax
-£3.9m
+10.7% vs 2024
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
Negative shareholders' funds
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 |
|---|---|---|---|---|---|
| Turnover | £6,398,000 | £8,792,000 | £7,448,000 | -15.3% | |
| Operating profit | -£3,377,000 | -£3,681,000 | -£3,203,000 | +13% | |
| Profit before tax | -£3,759,000 | -£4,419,000 | -£3,944,000 | +10.7% | |
| Net profit | -£2,993,000 | -£3,500,000 | -£2,799,000 | +20% | |
| Cash | £511,000 | £5,352,000 | £628,000 | -88.3% | |
| Total assets less current liabilities | £2,234,000 | -£1,266,000 | -£10,065,000 | -695% | |
| Net assets | -£3,766,000 | -£7,266,000 | -£10,065,000 | -38.5% | |
| Equity | -£3,766,000 | -£7,266,000 | — | — | |
| Average employees | 14 | 17 | 23 | +35.3% | |
| Wages | £1,313,000 | £1,526,000 | £2,503,000 | +64% | |
| Directors' remuneration | £479,000 | £603,000 | £1,654,000 | +174.3% | |
| Directors' pension contributions | £25,000 | £26,000 | £26,000 | 0% | |
| Highest paid director | £479,000 | £629,000 | £1,680,000 | +167.1% |
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 | -52.8% | -41.9% | -43.0% | |
| Net margin | -46.8% | -39.8% | -37.6% | |
| Return on capital employed | -151.2% | — | — | |
| Gearing (liabilities / total assets) | 182.0% | 182.1% | 303.8% | |
| Current ratio | 1.82x | 0.85x | 0.29x | |
| Interest cover | -8.84x | -4.99x | -4.32x |
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
- KPMG LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The Directors have considered this commitment of support and are satisfied that it provides adequate assurance that the Company will be able to meet its liabilities as they fall due for at least 12 months from the date of approval of these financial statements. Accordingly, the financial statements have been prepared on a going concern basis.”
Significant events
- “No significant events have occurred that should materially affect the operations of the business from the balance sheet date to the date of signing these accounts.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
4 active · 0 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| CARTMELL, Darryl James | Director | 2022-03-17 | Mar 1981 | British |
| DANIELS, Henry James Adam | Director | 2022-03-17 | Apr 1969 | British |
| MILLER, Helen | Director | 2022-03-17 | Dec 1972 | British |
| SMITH, Jack Robert | Director | 2022-06-22 | Apr 1977 | British |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Avios Group (Agl) Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2022-03-17 | Active |
Filing timeline
Last 14 of 14 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-08-10 | AA | accounts | Accounts with accounts type full | |
| 2026-03-25 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-08-29 | AA | accounts | Accounts with accounts type full | |
| 2025-03-19 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-08-21 | AA | accounts | Accounts with accounts type full | |
| 2024-04-02 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-03-04 | AD01 | address | Change registered office address company with date old address new address | |
| 2023-10-16 | AA | accounts | Accounts with accounts type full | |
| 2023-03-15 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2023-02-28 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2022-06-28 | AP01 | officers | Appoint person director company with name date | |
| 2022-05-09 | AA01 | accounts | Change account reference date company current shortened | |
| 2022-03-23 | PSC05 | persons-with-significant-control | Change to a person with significant control | |
| 2022-03-17 | NEWINC | incorporation | Incorporation company |
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.