Company Overview
Rac Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Friday 10 June 2011, so this is a well established company. Rac Limited has been in business for 14 years and 9 months. The accounts status is full and the accounts are next due on Wednesday 30 September 2026.
Registered Address

Rac House, Brockhurst Crescent, Walsall, West Midlands, WS5 4AW
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Companies House Data
Company NameRAC LIMITED
Company Number07665596
Registered Office AddressRac House
 Brockhurst Crescent
 WS5 4AW
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date10/06/2011
Accounting Reference Date Day31
Accounting Reference Date Month12
Accounts Next Due Date30/09/2026
Accounts Last Made Up Date31/12/2024
Accounts Account CategoryFULL
Returns Next Due Date08/07/2017
Returns Last Made Up Date10/06/2016
Previous Company NameChanged Date
RAC FINANCE GROUP (HOLDINGS) LIMITED22 Aug 2014
STAG TOPCO LIMITED06 Jan 2012
Directors & Members
Show Resigned
Joanna Baker - Director
(British, 52 years old, born March 1974)
Appointed 02 July 2018
Active
David Hobday - Director
(British, 57 years old, born January 1969)
Appointed 02 March 2017
Active
Tesula Mohindra - Director
(British, 60 years old, born November 1966)
Appointed 01 September 2022
Active
Robert Templeman - Director
(British, 69 years old, born October 1957)
Appointed 30 September 2011
Active
Gregory Wood - Director
(British, 73 years old, born July 1953)
Appointed 30 September 2011
Active
Secretaries
Show Resigned
Shiam Frites - Secretary
Appointed 22 July 2024
Active
Other Company Directorships
Joanna Baker
CARDSAVE (UK) LIMITED
CARDSAVE ACQUISITIONS LIMITED
CARDSAVE COMMUNITY LIMITED
CARDSAVE EBT LIMITED
CARDSAVE FINANCE LIMITED
CARDSAVE GROUP LIMITED
CARDSAVE HOLDINGS LIMITED
CARDSAVE MERCHANT SERVICES LIMITED
CARDSAVE ONLINE LIMITED
EVERLINE FINANCIAL SERVICES LIMITED
RAC BIDCO LIMITED
RAC BOND CO PLC
RAC CARS LIMITED
RAC FINANCIAL SERVICES LIMITED
RAC GROUP (HOLDINGS) LIMITED
RAC GROUP LIMITED
RAC INSURANCE LIMITED
RAC MIDCO II LIMITED
RAC MIDCO LIMITED
RAC MOTORING SERVICES
RAC MOTORING SERVICES (HOLDINGS) LIMITED
RISK TELEMATICS UK LIMITED
ROYAL AUTOMOBILE CLUB FOUNDATION FOR MOTORING LIMITED
WDFC SERVICES LIMITED
WDFC UK LIMITED
WONGA WORLDWIDE LIMITED
WONGA.COM LIMITED
David Hobday
AFFINITY SALES LIMITED
BARGAIN RETAILING LIMITED
CARDSAVE (EUROPE) LIMITED
CARDSAVE (INTERNATIONAL) LIMITED
CARDSAVE (UK) LIMITED
CARDSAVE ACQUISITIONS LIMITED
CARDSAVE COMMUNITY LIMITED
CARDSAVE EBT LIMITED
CARDSAVE FINANCE LIMITED
CARDSAVE GROUP LIMITED
CARDSAVE LIMITED
CARDSAVE MERCHANT SERVICES LIMITED
CARDSAVE ONLINE LIMITED
CARDSAVE TERMINALS LIMITED
MAVERICK TECHNOLOGY (UK) LTD
MODACS FINANCE LIMITED
MODACS LIMITED
NEBULA SYSTEMS LTD
RAC BIDCO LIMITED
RAC CARS LIMITED
RAC FINANCE (HOLDINGS) LIMITED
RAC FINANCE GROUP LIMITED
RAC FINANCE LIMITED
RAC FINANCIAL SERVICES LIMITED
RAC GROUP (HOLDINGS) LIMITED
RAC GROUP LIMITED
RAC INSURANCE LIMITED
RAC MIDCO II LIMITED
RAC MIDCO LIMITED
RAC MOTORING SERVICES
RAC MOTORING SERVICES (HOLDINGS) LIMITED
RISK TELEMATICS UK LIMITED
ROYAL AUTOMOBILE CLUB FOUNDATION FOR MOTORING LIMITED
WWW.CARDSAVE.NET LIMITED
Tesula Mohindra
17 SYLVESTER ROAD LIMITED
25 ENNISMORE GARDENS FREEHOLD LIMITED
BRACEHART LIMITED
CLOSE BROTHERS GROUP PLC
CLOSE BROTHERS LIMITED
KINGSTON HOUSE PROPERTY MANAGEMENT LIMITED
NATIONAL HOUSE-BUILDING COUNCIL
RAC BIDCO LIMITED
RAC FINANCIAL SERVICES LIMITED
RAC GROUP (HOLDINGS) LIMITED
RAC GROUP LIMITED
RAC INSURANCE LIMITED
RAC MIDCO II LIMITED
RAC MIDCO LIMITED
RAC MOTORING SERVICES
RAC MOTORING SERVICES (HOLDINGS) LIMITED
VARIETY, THE CHILDREN'S CHARITY
Robert Templeman
RAC BIDCO LIMITED
RAC FINANCE (HOLDINGS) LIMITED
RAC FINANCE GROUP LIMITED
RAC FINANCE LIMITED
RAC FINANCIAL SERVICES LIMITED
RAC GROUP (HOLDINGS) LIMITED
RAC GROUP LIMITED
RAC INSURANCE LIMITED
RAC MANAGEMENT LIMITED
RAC MIDCO II LIMITED
RAC MIDCO LIMITED
RAC MOTORING SERVICES
RAC MOTORING SERVICES (HOLDINGS) LIMITED
Gregory Wood
CARBON8 SYSTEMS LIMITED
CHAUCER HOLDINGS LIMITED
CHAUCER SYNDICATES LIMITED
CHILDLINE
DIGITALIS MEDIA LIMITED
EVEREST FUNERAL CONCIERGE (UK) LIMITED
JLT ACTUARIES AND CONSULTANTS LIMITED
JLT CONSULTANTS & ACTUARIES LIMITED
JLT EB SERVICES LIMITED
JLT INVESTMENT MANAGEMENT LIMITED
JLT PENSIONS ADMINISTRATION HOLDINGS LIMITED
JLT PENSIONS ADMINISTRATION LIMITED
JLT UK INVESTMENT HOLDINGS LIMITED
JLT WEALTH MANAGEMENT (FALMOUTH) LIMITED
JLT WEALTH MANAGEMENT LIMITED
MARSH MCLENNAN INDIA HOLDINGS LIMITED
MARSH MCLENNAN INDIA LIMITED
PROFUND SOLUTIONS LIMITED
RAC BIDCO LIMITED
RAC FINANCE (HOLDINGS) LIMITED
RAC FINANCE GROUP LIMITED
RAC FINANCE LIMITED
RAC FINANCIAL SERVICES LIMITED
RAC GROUP (HOLDINGS) LIMITED
RAC GROUP LIMITED
RAC INSURANCE LIMITED
RAC MIDCO II LIMITED
RAC MIDCO LIMITED
RAC MOTORING SERVICES
RAC MOTORING SERVICES (HOLDINGS) LIMITED
THE GREGORY CENTRE FOR CHURCH MULTIPLICATION
WALBROOK ADVISORS LIMITED
WALBROOK HOLDINGS LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2013 31-Dec-2012
Balance Sheet
Fixed Assets 1,126,000,000 1,126,000,000 1,138,000,000
Current Assets 139,000,000 139,000,000 119,000,000
Creditors Due Within One Year 276,000,000 276,000,000 232,000,000
Working Cap -137,000,000 -137,000,000 -113,000,000
Total Assets Less Current Liabilities 989,000,000 989,000,000 1,025,000,000
Long-term Liabilities 1,039,000,000 1,039,000,000 1,084,000,000
Net Assets -50,000,000 -50,000,000 -59,000,000
Share Capital & Reserves
Share Cap 0 0 0
Profit & Loss Reserves -57,000,000 -57,000,000 -65,000,000
Other Reserves 7,000,000 7,000,000 6,000,000
Shareholders Funds -50,000,000 -50,000,000 -59,000,000
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2013 31-Dec-2012
Tangible Fixed Assets - - -
Fixed Assets 89.0% 89.0% 90.5%
Stocks Inventory 0.2% 0.2% 0.2%
Debtors 6.6% 6.6% 6.7%
Cash Bank In Hand 4.3% 4.3% 2.5%
Current Assets 11.0% 11.0% 9.5%
Creditors Due Within One Year 21.8% 21.8% 18.5%
Net Current Assets Liabilities -10.8% -10.8% -9.0%
Creditors Due After One Year 75.0% 75.0% 77.2%
Accruals Deferred Income - - -
Provisions For Liabilities Charges - - -
Net Assets Liabilities Including Pension Asset Liability -4.0% -4.0% -4.7%
Called Up Share Capital 0.0% 0.0% 0.0%
Share Capital Allotted Called Up Paid 0.0% 0.0% 0.0%
Profit Loss Account Reserve -4.5% -4.5% -5.2%
Shareholder Funds -4.0% -4.0% -4.7%
Capital Employed - - -
Total Assets Less Current Liabilities 78.2% 78.2% 81.5%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2013 31-Dec-2012
Liquidity Ratio 0.5 0.5 0.5
Solvency Ratio 1.0 1.0 1.0
Reserves to Assets 0.0 0.0 -0.1
Secured Creditors Unlock full report
Mortgages Charges 3
Mortgages Outstanding 1
Mortgages Part Satisfied 0
Mortgages Satisfied 2
Assets and Debt Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2013 31-Dec-2012
Assets 1,265,000,000 1,265,000,000 1,257,000,000
Debt 1,315,000,000 1,315,000,000 1,316,000,000
Net Assets/Debt -50,000,000 -50,000,000 -59,000,000

The following is based on the accounts data presented in this report sourced from Companies House, however the company has filed later accounts. Our analysis of the latest account can be viewed by unlocking our full report.

Current debt exceeded short term liquid assets as at the balance sheet date. We would normally view this in the context of other profitability and solvency indicators. Total reserves including retained profitability and movement in reserves has some deficiency. The balance sheet net assets figure is negative.

Unlock full report  The following is based on the accounts data presented in this report sourced from Companies House, however the company has filed later accounts. Our analysis of the latest account can be viewed by unlocking our full report.Current debt exceeded short term liquid assets as at the balance sheet date. We would normally view this in the context of other profitability and solvency indicators. Total reserves including retained profitability and movement in reserves has some deficiency. The balance sheet net assets figure is negative.   The following is based on the accounts data presented in this report sourced from Companies House, however the company has filed later accounts. Our analysis of the latest account can be viewed by unlocking our full report.Current debt exceeded short term liquid assets as at the balance sheet date. We would normally view this in the context of other profitability and solvency indicators. Total reserves including retained profitability and movement in reserves has some deficiency. The balance sheet net assets figure is negative.

This review of public record balance sheet and company status information is presented under the terms of Open Government Licence and is for informational purposes only, is general in nature, and is not intended as an opinion or advice for any specific circumstances. The commentary and the colour band score is not a credit rating or credit risk assessment.

This review does not constitute a full credit rating or credit risk assessment based on the full analysis and credit score algorithms used in our credit reports. A full credit report may also provide information relating to trade payment history and county court or court judgments if any.

Public Record Information Unlock full report
Exact Court Judgements
Period of Months Last 12m 13-24m 25-36m 37-48m 49-60m 61-72m
Number of Exact CCJS X Y Y X X Y
Value of Exact CCJS YXY YK S S X KX
Supplier Credit Limits Unlock full report
Date Sector Notified Amount Terms
XK-SXY XKXYXK SXSKXYXK £X,000 XS XYSKS
SK-SYY SKXYXKYKKY KSXX KKXXYXS £YY,000 YS XYSKS SK YXXSXS
YK-SXY XKXYXYYK SXSXYXK £SX,000 XS XYSKS
Payment Records Unlock full report
Payment Records from it's suppliers' company ledger show how a company is paying its suppliers

Payment Analysis

Total Invoices Paid Before
30 days due
Paid After
30 days due
Owing Before
30 days due
Owing after
30 days due
XYX SX K YX X
Company Valuation Analysis Unlock full report

Going Concern Valuation

The going concern valuations value the company on the basis that it continues to trade without the threat of liquidation for the foreseeable future. These valuations are primarily profit and cashflow based.

Valuations Valuation Measures
Estimated High Value £XSI,000 Retained Profit £YX,000
Estimated Mid Value £YY,000 EBIT £SY,000
Estimated Low Value £X,000 EBITDA £SSX,000

Liquidation Valuation

The liquidaton valuation values the company as if it were to cease trading and assets were subject to rapid disposal to cover liabilities. This valuation is primarily asset based.

Valuations Valuation Measures
Estimated High Value £XY,000 Total Assets £XIX,000
Estimated Mid Value £Y,000 Net Assets £YX,000
Estimated Low Value £S,000 Tangible Equity £SX,000

The above valuations are based on our own algorithms and take no account of many factors that can influence actual valuations realized and should not therefore be assumed to be accurate.

Credit Status Checklist Unlock full report
Business Growth Please purchase a report to see true comments
EBITDA Purchase a report to see true comments
Dividends Please purchase a report to see true comments about this company
Retained Profits Retained Profits for this company
Debt Interest Debt Interest for this company
Cash Flow Cash Flow for this company
CCJs CCJs for this company
Age of Company Age of Company for this company
Solvency Solvency for this company
Secured Creditors Secured Creditors for this company
Ownership Ownership for this company


First Report Score: (0-10) X
Financial Status Guide:
10 Very Strong
9 Strong
8 Very Good
7 Good
6 Above Average
5 Average
4 Below Average
3 Poor
2 Weak
1 Very Weak
0 Critical

Risk Score Trend

Risk Rating Unlock full report

This is the credit risk assessment used by one of the top UK credit reference agencies.

Risk Score (1-100) X
Risk Band Description XXMXMXMX SISX
Risk Assessment Meeting of Creditors
Credit Rating XSKX
Altman Z Score Credit Risk Rating Unlock full report

There have been many bankruptcy predictors developed, however none has been so thoroughly tested and broadly accepted as the Altman Z-Score.

Z Score X
Risk Band XY
Risk Band Description The Z Score is not used for small companies where full accounts are not filed because profit and loss account items are required to calculate the score.

Z Score Bands

1 Low Risk 3.00 and above
2 Caution 2.63 - 2.99
3 Risk of Failure within 2 years 1.24 - 2.62
4 High Probability Failure Below 1.24
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RAC CARS LIMITED
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RAC FINANCE (HOLDINGS) LIMITED
Rac House, Brockhurst Crescent, Walsall, West Midlands, WS5 4AW
RAC FINANCE GROUP LIMITED
Rac House, Brockhurst Crescent, Walsall, West Midlands, WS5 4AW
RAC FINANCE LIMITED
Rac House, Brockhurst Crescent, Walsall, West Midlands, WS5 4AW
RAC BIDCO LIMITED
R A C HOUSE, BROCKHURST CRESCENT, WALSALL, WEST MIDLANDS, WS5 4AW
RAC MIDCO II LIMITED
RAC HOUSE, BROCKHURST CRESCENT, WALSALL, WEST MIDLANDS, WS5 4AW
RAC FINANCIAL SERVICES LIMITED
RAC HOUSE, BROCKHURST CRESCENT, WALSALL, WS5 4AW
Document Filings
Confirmation statement made on 9 June 2025 with no updates
Appointment of Shiam Frites as a secretary on 22 July 2024
Confirmation statement made on 9 June 2024 with no updates
Termination of appointment of Lisa Griffiths as a secretary on 30 April 2024
Confirmation statement made on 9 June 2023 with no updates
Change of details for Rac Bidco Limited as a person with significant control on 30 May 2023
Appointment of Mrs Lisa Griffiths as a secretary on 31 January 2023
Director's details changed for Mr Robert William Templeman on 23 January 2023
Director's details changed for Mr Mark Gregory Wood on 22 December 2022
Director's details changed for Mr David Arthur Hobday on 22 December 2022
Termination of appointment of Kelly Bowden as a secretary on 23 September 2022
Appointment of Ms Tesula Mohindra as a director on 1 September 2022
Confirmation statement made on 9 June 2022 with no updates
Appointment of Miss Kelly Bowden as a secretary on 3 September 2021
Confirmation statement made on 10 June 2021 with no updates
Confirmation statement made on 10 June 2020 with no updates
Termination of appointment of Paul James Barrett as a secretary on 1 April 2020
Confirmation statement made on 10 June 2019 with updates

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