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Ryder Limited

Registered number: 01019474
Directors' report and
 financial statements
For the year ended 31 December 2024

 
RYDER LIMITED
 
 
COMPANY INFORMATION


Directors
C Candela 
S Hodes 
B Moll 




Registered number
01019474



Registered office
C/O Forvis Mazars LLP The Pinnacle
160 Midsummer Boulevard

Milton Keynes

Buckinghamshire

MK9 1FF




Independent auditor
Forvis Mazars LLP
Chartered Accountants & Statutory Auditor

5th Floor

3 Wellington Place

Leeds

LS1 4AP





 
RYDER LIMITED
 

CONTENTS



Page(s)
Directors' Report
 
1 - 3
Independent Auditor's Report
 
4 - 7
Statement of Comprehensive Income
 
8
Statement of Financial Position
 
9
Statement of Changes in Equity
 
10
Notes to the Financial Statements
 
11 - 31


 
RYDER LIMITED
 
 
 
DIRECTORS' REPORT
FOR THE YEAR ENDED 31 DECEMBER 2024

The directors present their report and the audited financial statements for the year ended 31 December 2024.

Future developments

Following the successful completion of the strategic wind-down of all transportation services business operations, and the sale of all related business assets, the Company will continue to operate its remaining commercial property sublease. In addition, the Company aims to complete the full transfer of its remaining retirement benefit obligations to a fully insured arrangement to be held and operated independently of the Company by Aviva. Management of the remaining business of the Company are now controlled directly from Ryder System Inc. headquarters in Florida, USA with all support functions in the UK having been outsourced to suitable third-party providers.

Financial risk management

From a financial risk perspective the Company‘s management of debt finance and hence interest rate risk is co-ordinated via the treasury department of the Company’s ultimate parent, Ryder System Inc. (incorporated in Florida, USA, and whose financial statements are publicly available), who are able to utilise debt markets available to the larger group. The two relevant risks are liquidity and interest rate risk.
The Company previously maintained a mixture of long-term and short-term debt finance that was designed to ensure the Company had sufficient available funds for operations. Credit lines are available via a global revolving credit facility provided via the parent company and other group financing arrangements to ensure liquidity during the remainder of the orderly wind down of operations. 
The Company had both interest bearing assets and interest bearing liabilities. Interest bearing assets included finance leases receivable, which earned interest at fixed rates. The completed wind-down of the business discussed above means that the historic debt structure has been dismantled during the current and prior years via early settlement or transfer to third parties as part of business disposals. This process has now been completed.

Going concern

The Directors believe that preparing the financial statements on the going concern basis is appropriate due to the continued financial support of the ultimate parent company Ryder System Inc. This is despite the orderly wind-down of the Company’s trade completed in June 2023 as there are no intentions to liquidate the entity or to cease operations since the Company will continue to provide a commercial property sublease arrangement for the foreseeable future, because the related head lease runs until 2030 and there is no break clause. The Directors have received confirmation that Ryder System Inc. intends to support the Company for at least one year after these financial statements are signed. 

Directors

The directors who served during the year were:

C Candela 
S Hodes 
B Moll 

Directors' indemnities

As permitted by the Articles of Association, the Directors have the benefit of an indemnity which is a qualifying third party indemnity provision as defined by Section 234 of the Companies Act 2006. The indemnity was in force throughout the last financial year and is currently in force. The Company also purchased and maintained throughout the financial year Directors’ and Officers’ liability insurance in respect of itself and its Directors.

Page 1

 
RYDER LIMITED
 
 
 
DIRECTORS' REPORT (CONTINUED)
FOR THE YEAR ENDED 31 DECEMBER 2024

Dividend

The loss for the year, after taxation, amounted to £1,201,000 (2023 - profit £3,045,000).

Interim dividends totalling of £Nil were paid during the year (2023: £63,000,000). The Directors do not recommend the payment of a final dividend (2023: £Nil).

Statement of Directors' responsibilities in respect of the financial statements

The directors are responsible for preparing the Directors' Report and the financial statements in accordance with applicable law and regulations.
 
Company law requires the directors to prepare financial statements for each financial year. Under that law the directors have elected to prepare the financial statements in accordance with applicable law and United Kingdom Accounting Standards (United Kingdom Generally Accepted Accounting Practice), including Financial Reporting Standard 102 ‘The Financial Reporting Standard applicable in the UK and Republic of Ireland'. Under company law the directors must not approve the financial statements unless they are satisfied that they give a true and fair view of the state of affairs of the Company and of the profit or loss of the Company for that period.

 In preparing these financial statements, the directors are required to:


select suitable accounting policies for the Company's financial statements and then apply them consistently;

make judgments and accounting estimates that are reasonable and prudent; and

prepare the financial statements on the going concern basis unless it is inappropriate to presume that the Company will continue in business.

The directors are responsible for keeping adequate accounting records that are sufficient to show and explain the Company's transactions and disclose with reasonable accuracy at any time the financial position of the Company and to enable them to ensure that the financial statements comply with the Companies Act 2006They are also responsible for safeguarding the assets of the Company and hence for taking reasonable steps for the prevention and detection of fraud and other irregularities.

Directors' confirmations

Each of the persons who are directors at the time when this Directors' Report is approved has confirmed that:
 
so far as the director is aware, there is no relevant audit information of which the Company's auditor is unaware, and

the director has taken all the steps that ought to have been taken as a director in order to be aware of any relevant audit information and to establish that the Company's auditor is aware of that information.

Auditor

The auditor, Forvis Mazars LLP, was appointed as the entity auditors in the current year.

The auditor, Forvis Mazars LLPwill be proposed for reappointment in accordance with section 485 of the Companies Act 2006.

Small companies note

In preparing this report, the directors have taken advantage of the small companies exemptions provided by section 415A of the Companies Act 2006.

Page 2

 
RYDER LIMITED
 
 
 
DIRECTORS' REPORT (CONTINUED)
FOR THE YEAR ENDED 31 DECEMBER 2024

This report was approved by the board on 22 December 2025 and signed on its behalf.
 





B Moll
Director

Page 3

 
RYDER LIMITED
 
 
 
INDEPENDENT AUDITOR'S REPORT TO THE MEMBERS OF RYDER LIMITED
 

Opinion

We have audited the financial statements of Ryder Limited (the ‘Company’) for the year ended 31 December 2024 which comprise the Statement of Comprehensive Income, the Statement of Financial Position, the Statement of Changes in Equity and notes to the financial statements, including a summary of significant accounting policies. 
The financial reporting framework that has been applied in their preparation is applicable law and United Kingdom Accounting Standards, including FRS 102 “The Financial Reporting Standard applicable in the UK and Republic of Ireland” (United Kingdom Generally Accepted Accounting Practice).

In our opinion, the financial statements:

give a true and fair view of the state of the Company’s affairs as at 31 December 2024 and of its loss for the year then ended;
have been properly prepared in accordance with United Kingdom Generally Accepted Accounting Practice; and
have been prepared in accordance with the requirements of the Companies Act 2006.

Basis for opinion

We conducted our audit in accordance with International Standards on Auditing (UK) (ISAs (UK)) and applicable law. Our responsibilities under those standards are further described in the Auditor’s responsibilities for the audit of the financial statements section of our report. We are independent of the Company in accordance with the ethical requirements that are relevant to our audit of the financial statements in the UK, including the FRC’s Ethical Standard and we have fulfilled our other ethical responsibilities in accordance with these requirements. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our opinion.

Conclusions relating to going concern

In auditing the financial statements, we have concluded that the directors' use of the going concern basis of accounting in the preparation of the financial statements is appropriate.
Based on the work we have performed, we have not identified any material uncertainties relating to events or conditions that, individually or collectively, may cast significant doubt on the Company’s ability to continue as a going concern for a period of at least twelve months from when the financial statements are authorised for issue.
Our responsibilities and the responsibilities of the directors with respect to going concern are described in the relevant sections of this report.

Other information

The other information comprises the information included in the annual report, other than the financial statements and our auditor’s report thereon. The directors are responsible for the other information contained within the annual report. Our opinion on the financial statements does not cover the other information and, except to the extent otherwise explicitly stated in our report, we do not express any form of assurance conclusion thereon.
Page 4

 
RYDER LIMITED
 
 
 
INDEPENDENT AUDITOR'S REPORT TO THE MEMBERS OF RYDER LIMITED
 

Our responsibility is to read the other information and, in doing so, consider whether the other information is materially inconsistent with the financial statements or our knowledge obtained in the course of the audit, or otherwise appears to be materially misstated. If we identify such material inconsistencies or apparent material misstatements, we are required to determine whether this gives rise to a material misstatement in the financial statements themselves. If, based on the work we have performed, we conclude that there is a material misstatement of this other information, we are required to report that fact.

We have nothing to report in this regard.

Opinions on other matters prescribed by the Companies Act 2006

In our opinion, based on the work undertaken in the course of the audit:
 
the information given in the Directors' Report for the financial year for which the financial statements are prepared is consistent with the financial statements; and
the Directors' Report has been prepared in accordance with applicable legal requirements.

Matters on which we are required to report by exception

In light of the knowledge and understanding of the Company and its environment obtained in the course of the audit, we have not identified material misstatements in the Directors' Report.

We have nothing to report in respect of the following matters in relation to which the Companies Act 2006 requires us to report to you if, in our opinion:

adequate accounting records have not been kept, or returns adequate for our audit have not been received from branches not visited by us; or
the financial statements are not in agreement with the accounting records and returns; or
certain disclosures of directors' remuneration specified by law are not made; or
we have not received all the information and explanations we require for our audit; or
the directors were not entitled to prepare the financial statements in accordance with the small companies regime and take advantage of the small companies’ exemption in preparing the Directors' Report and from the requirement to prepare a Strategic Report.
Page 5

 
RYDER LIMITED
 
 
 
INDEPENDENT AUDITOR'S REPORT TO THE MEMBERS OF RYDER LIMITED
 

Responsibilities of Directors

As explained more fully in the Directors' Responsibilities Statement set out on page 2, the directors are responsible for the preparation of the financial statements and for being satisfied that they give a true and fair view, and for such internal control as the directors determine is necessary to enable the preparation of financial statements that are free from material misstatement, whether due to fraud or error.

In preparing the financial statements, the directors are responsible for assessing the Company’s ability to continue as a going concern, disclosing, as applicable, matters related to going concern and using the going concern basis of accounting unless the directors intend either to liquidate the Company or to cease operations, or have no realistic alternative but to do so.

Auditor's responsibilities for the audit of the financial statements

Our objectives are to obtain reasonable assurance about whether the financial statements as a whole are free from material misstatement, whether due to fraud or error, and to issue an auditor’s report that includes our opinion. Reasonable assurance is a high level of assurance but is not a guarantee that an audit conducted in accordance with ISAs (UK) will always detect a material misstatement when it exists. Misstatements can arise from fraud or error and are considered material if, individually or in the aggregate, they could reasonably be expected to influence the economic decisions of users taken on the basis of these financial statements.
 
The extent to which our procedures are capable of detecting irregularities, including fraud is detailed below.
 
Irregularities, including fraud, are instances of non-compliance with laws and regulations. We design procedures in line with our responsibilities, outlined above, to detect material misstatements in respect of irregularities, including fraud. 

Based on our understanding of the Company and its industry, we considered that non-compliance with the following laws and regulations might have a material effect on the financial statements: anti-money laundering regulation.

To help us identify instances of non-compliance with these laws and regulations, and in identifying and assessing the risks of material misstatement in respect to non-compliance, our procedures included, but were not limited to:
Inquiring of management and, where appropriate, those charged with governance, as to whether the company is in compliance with laws and regulations, and discussing their policies and procedures regarding compliance with laws and regulations;
Inspecting correspondence, if any, with relevant licensing or regulatory authorities;
Communicating identified laws and regulations to the engagement team and remaining alert to any indications of non-compliance throughout our audit; and
Considering the risk of acts by the company which were contrary to applicable laws and regulations, including fraud.  

We also considered those laws and regulations that have a direct effect on the preparation of the financial statements, such as tax legislation, pension legislation, the Companies Act 2006. 
Page 6

 
RYDER LIMITED
 
 
 
INDEPENDENT AUDITOR'S REPORT TO THE MEMBERS OF RYDER LIMITED
 

In addition, we evaluated the directors' and management’s incentives and opportunities for fraudulent manipulation of the financial statements, including the risk of override of controls, and determined that the principal risks were related to posting manual journal entries to manipulate financial performance, management bias through judgements and assumptions in significant accounting estimates and significant one-off or unusual transactions.

Our audit procedures in relation to fraud included but were not limited to:
Making enquiries of the directors and management on whether they had knowledge of any actual, suspected or alleged fraud;
Gaining an understanding of the internal controls established to mitigate risks related to fraud;
Discussing amongst the engagement team the risks of fraud; and
Addressing the risks of fraud through management override of controls by performing journal entry testing.

There are inherent limitations in the audit procedures described above and the primary responsibility for the prevention and detection of irregularities including fraud rests with management. As with any audit, there remained a risk of non-detection of irregularities, as these may involve collusion, forgery, intentional omissions, misrepresentations or the override of internal controls.

A further description of our responsibilities for the audit of the financial statements is located on the Financial Reporting Council’s website at www.frc.org.uk/auditorsresponsibilities. This description forms part of our auditor’s report.

Use of the audit report

This report is made solely to the Company's members as a body in accordance with Chapter 3 of Part 16 of the Companies Act 2006. Our audit work has been undertaken so that we might state to the Company's members those matters we are required to state to them in an auditor's report and for no other purpose. To the fullest extent permitted by law, we do not accept or assume responsibility to anyone other than the Company and the Company's members as a body for our audit work, for this report, or for the opinions we have formed.




Ashley Barraclough (Senior Statutory Auditor)

  
for and on behalf of

Forvis Mazars LLP
Chartered Accountants and Statutory Auditor 
5th Floor
3 Wellington Place
Leeds

22 December 2025
Page 7

 
RYDER LIMITED
 
 
STATEMENT OF COMPREHENSIVE INCOME
FOR THE YEAR ENDED 31 DECEMBER 2024

2024
Discontinued operations 2023
Note
£000
£000

  

Turnover
  
68
3,247

Cost of sales
  
-
(4,499)

Gross profit/(loss)
  
68
(1,252)

Administrative expenses
  
(1,989)
(32,287)

Other operating income
  
40
40,321

Operating (loss)/profit
  
(1,881)
6,782

Profit on disposal of operations
  
-
7,102

Interest receivable and similar income
 5 
630
3,421

Amounts written off investments
  
-
(2,836)

Interest payable and similar expenses
 6 
(157)
(374)

(Loss)/profit before tax
  
(1,408)
14,095

Tax on (loss)/profit
 7 
207
(11,050)

(Loss)/profit for the financial year
  
(1,201)
3,045

Actuarial gains/(losses) on defined benefit pension scheme
  
130
(53,011)

Total tax (expense)/income on components of other comprehensive expense
  
(33)
12,458

Other comprehensive income/(expense) for the year
  
97
(40,553)

Total comprehensive expense for the year
  
(1,104)
(37,508)

There were no recognised gains and losses for 2024 or 2023 other than those included in the statement of comprehensive income.

The notes on pages 11 to 31 form part of these financial statements.

Page 8

 
RYDER LIMITED
REGISTERED NUMBER: 01019474

STATEMENT OF FINANCIAL POSITION
AS AT 31 DECEMBER 2024

2024
2023
Note
£000
£000

Fixed assets
  

Investments
 9 
259
261

  
259
261

Current assets
  

Debtors: amounts falling due within one year
 10 
1,487
6,876

Cash at bank and in hand
  
10,111
6,242

  
11,598
13,118

Creditors: amounts falling due within one year
 12 
(1,667)
(2,406)

Net current assets
  
 
 
9,931
 
 
10,712

Total assets less current liabilities
  
10,190
10,973

Creditors: amounts falling due after more than one year
 13 
(908)
(1,031)

Provisions for liabilities
 16 
-
(250)

Net assets excluding pension liability
  
9,282
9,692

Pension liability
 19 
(1,715)
(1,021)

Net assets
  
7,567
8,671


Capital and reserves
  

Called up share capital 
 17 
3,063
3,063

Profit and loss account
 18 
4,504
5,608

  
7,567
8,671


The financial statements have been prepared in accordance with the provisions applicable to companies subject to the small companies regime and in accordance with the provisions of FRS 102 Section 1A - small entities.

The financial statements were approved and authorised for issue by the board and were signed on its behalf on 22 December 2025.


B Moll
Director

The notes on pages 11 to 31 form part of these financial statements.

Page 9

 
RYDER LIMITED
 

STATEMENT OF CHANGES IN EQUITY
FOR THE YEAR ENDED 31 DECEMBER 2024


Called up share capital
Profit and loss account
Total equity

£000
£000
£000


At 1 January 2023
3,063
106,116
109,179


Comprehensive income/(expense) for the year

Profit for the year
-
3,045
3,045

Re-measurement of net defined benefit asset (Note 19)
-
(53,011)
(53,011)

Total tax income on components of other comprehensive expense
-
12,458
12,458
Total comprehensive expense for the year
-
(37,508)
(37,508)


Contributions by and distributions to owners

Dividends: Equity capital
-
(63,000)
(63,000)


Total transactions with owners
-
(63,000)
(63,000)



At 1 January 2024
3,063
5,608
8,671


Comprehensive income/(expense) for the year

Loss for the year
-
(1,201)
(1,201)

Re-measurement of net defined benefit liability (Note 19)
-
130
130

Total tax income on components of other comprehensive expense
-
(33)
(33)
Total comprehensive expense for the year
-
(1,104)
(1,104)


At 31 December 2024
3,063
4,504
7,567


The notes on pages 11 to 31 form part of these financial statements.

Page 10

 
RYDER LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

1.


General information

Ryder Limited (“the Company”) is a private company limited by shares, incorporated in the United Kingdom, and registered in England and Wales. The company registered number is 01019474. The address of the registered office is c/o Forvis Mazars LLP, The Pinnacle, 160 Midsummer Boulevard, Milton Keynes, MK9 1FF.
The principal activity of the Company is that of letting of real estate.

2.Accounting policies

 
2.1

Basis of preparation of financial statements

The financial statements have been prepared under the historical cost convention unless otherwise specified within these accounting policies and in accordance with FRS 102 'The Financial Reporting Standard applicable in the UK and the Republic of Ireland' and the requirements of the Companies Act 2006. The disclosure requirements of Section 1A of FRS 102 have been applied other than where additional disclosure is required to show a true and fair view.

The following principal accounting policies have been applied:

 
2.2

Financial Reporting Standard 102 - reduced disclosure exemptions

The Company has taken advantage of the following disclosure exemptions in preparing these financial statements, as permitted by the FRS 102 "The Financial Reporting Standard applicable in the UK and Republic of Ireland":
the requirements of Section 7 Statement of Cash Flows;
the requirements of Section 3 Financial Statement Presentation paragraph 3.17(d);
the requirements of Section 11 Financial Instruments paragraphs 11.42, 11.44 to 11.45, 11.47, 11.48(a)(iii), 11.48(a)(iv), 11.48(b) and 11.48(c);
the requirements of Section 12 Other Financial Instruments paragraphs 12.26 to 12.27, 12.29(a), 12.29(b) and 12.29A;
the requirements of Section 33 Related Party Disclosures paragraph 33.7.

This information is included in the consolidated financial statements of Ryder System Inc. as at 31 December 2024 and these financial statements may be obtained from 2333 Ponce de Leon Blvd. Suite 700 Coral Gables, FL 33134, Florida, USA.

 
2.3

Going concern

The Directors believe that preparing the financial statements on the going concern basis is appropriate due to the continued financial support of the ultimate parent company Ryder System Inc. This is despite the orderly wind-down of the Company’s trade completed in June 2023 as there are no intentions to liquidate the entity or to cease operations since the Company will continue to provide a commercial property sublease arrangement for the foreseeable future, because the related head lease runs until 2030 and there is no break clause. The Directors have received confirmation that Ryder System Inc. intends to support the Company for at least one year after these financial statements are signed. 

Page 11

 
RYDER LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

2.Accounting policies (continued)

  
2.4

Foreign currency

(i)   Functional and presentation currency
The Company’s functional and presentation currency is pound sterling and rounded to thousands.
(ii)   Transactions and balances
Transactions denominated in foreign currencies are translated into the functional currency using the spot exchange rates at the dates of the transactions. 
At each year end foreign currency monetary items are translated using the closing rate. Non-monetary items measured at historical cost are translated using the exchange rate at the date of the transaction and non-monetary items measured at fair value are measured using the exchange rate when fair value was determined.
Foreign exchange gains and losses resulting from the settlement of transactions and from the translation at year-end exchange rates of monetary assets and liabilities denominated in foreign currencies are recognised in the income statement.

 
2.5

Turnover

Turnover is measured at the fair value of the consideration received or receivable and represents the amount receivable for goods supplied or services rendered, net discounts, and rebates allowed by the Company and value added tax.
The Company recognises revenue when (a) the amount of revenue can be measured reliably; (b) it is probable that the economic benefits associated with the transaction will flow to the Company; (c) the stage of completion of the transaction at the end of the reporting period can be measured reliably; and (d) the costs incurred for the transaction and the costs to complete the transaction can be measured reliably.
Finance lease and operating lease revenue are recognised in accordance with note 2.8 below.

  
2.6

Cost of sales

Cost of sales expenses are recognised on an accruals basis. All expenses incurred in the sale of goods, and provision of services to customers are treated as ‘Cost of sales’. This includes, inter alia, depreciation and impairment of revenue earning equipment, vehicle maintenance expenses, and related employment costs, and the profit or loss on disposal of revenue earning equipment.

Page 12

 
RYDER LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

2.Accounting policies (continued)

  
2.7

Employee benefits

The Company provides a range of benefits to employees, including annual bonus arrangements, sales commission arrangements, paid holiday arrangements and defined benefit and defined contribution pension plans.
(i)   Pension cost - defined benefit
The Company operates a pension fund providing defined benefits for certain employees. A defined benefit plan defines the pension benefit that the employee will receive on retirement, usually dependent upon several factors including age, length of service and remuneration. A defined benefit plan is a pension plan that is not a defined contribution plan.
The asset recognised in the balance sheet in respect of the defined benefit plan is the fair value of the plan assets at the reporting date less the present value of the defined benefit obligation at the reporting date. The assets of the plan are held separately from those of the Company in independently administered funds.
The fair value of plan assets is measured in accordance with the FRS 102 fair value hierarchy and in accordance with the Company’s policy for similarly held assets. This includes the use of appropriate valuation techniques.
The defined benefit obligation is calculated using the projected unit credit method. Annually the Company engages an independent actuary to calculate the obligation. The present value is determined by discounting the estimated future payments using market yields on high quality corporate bonds that are denominated in sterling and that have terms approximating the estimated period of the future payments (‘discount rate’).
Actuarial gains and losses arising from experience adjustments and changes in actuarial assumptions are charged or credited to other comprehensive income. These amounts together with the return on plan assets, less amounts included in net interest, are disclosed as ‘Re-measurement of net defined benefit asset’.
The cost of the defined benefit plan, recognised in the income statement as employee costs, comprises:
• The increase in pension benefit liability arising from employees service during the year; and 
• The cost of plan introductions, benefit charges, curtailments and settlements.
The net interest income calculated by applying the discount rate to the net balance of defined benefit obligation and the fair value of plan assets. This income is recognised in the income statement as ‘Interest receivable and similar income’. 

Page 13

 
RYDER LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

2.Accounting policies (continued)

  
2.8

Leases

At inception the Company assesses agreements that transfer the right to use assets. The assessment considers whether the arrangement is, or contains, a lease based on the substance of the arrangement.
Leases of assets that transfer substantially all the risks and rewards incidental to ownership are classified as finance leases. Leases that do not transfer substantially all the risks and rewards of ownership are classified as operating leases.
(i)   Finance lease agreements as lessee 
Finance lease are capitalised at commencement of the lease as assets at the fair value of the leased asset or, if lower, the present value of the minimum lease payments calculated using the interest rate implicit in the lease. Where the implicit rate cannot be determined the Company’s incremental borrowing rate is used. Incremental direct costs, incurred in negotiating and arranging the lease, are included in the cost of the asset.
Assets funded by finance leases are depreciated over the shorter of the lease term and the estimated useful life of the asset. Assets are assessed for impairment at each reporting date.
The capital element of finance lease obligations is recorded as a liability on inception of the arrangement. Lease payments are apportioned between capital repayment and finance charge, using the effective interest rate method, to produce a constant rate of charge on the balance of the capital repayments outstanding.
(ii)   Operating lease agreements as lessee
Payments under operating leases are charged to the income statement on a straight-line basis over the period of the lease. 
(iii)   Operating lease agreements as lessor
Lease income from operating leases (excluding amounts for services such as insurance and maintenance) are recognised as revenue in the income statement straight-line over the term of the leases, adjusted for contractual increases in inflation when those amounts can reasonably be determined based upon published indexes.
Lease incentives given to customers to enter into an operating lease are recognised as a reduction to revenue in the income statement, on a straight-line basis over the period of the lease.
Assets used in full service operating lease agreements are recorded in the balance sheet as tangible fixed assets and depreciated over their estimated useful lives or the term of the lease, whichever is shorter.
 
Page 14

 
RYDER LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

2.Accounting policies (continued)

(iv)   Finance lease agreements as lessor
The cost of assets hired out under finance leases are recognised as a receivable in the balance sheet at an amount equal to the net investment in the lease, being the minimum lease payments receivable under the finance lease, plus the estimated unguaranteed residual value of the asset, discounted at the interest rate implicit in the lease. 
Rentals from finance leases are split between capital repayments and interest so as to produce a constant periodic rate of return on the remaining balance of the receivable amount for each reporting year.
Lease incentives given to customers to enter into a finance lease are included in the calculation of the minimum lease payments, reducing the value of the receivable.
Initial direct costs (costs that are incremental and directly attributable to negotiating and arranging a lease) are included in the initial measurement of the finance lease receivable and reduce the amount of income recognised over the lease term.
The majority of the Company’s finance leases contain early termination clauses exercisable by the Company. When such terms are exercised, the remaining lease term is reassessed, and invariably results in the lease being reclassified as an operating lease.

 
2.9

Leased assets: the Company as lessor

Where assets leased to a third party give rights approximating to ownership (finance lease), the lessor recognises as a receivable an amount equal to the net investment in the lease i.e. the minimum lease payments receivable under the lease discounted at the interest rate implicit in the lease. This receivable is reduced as the lessee makes capital payments over the term of the lease.

A finance lease gives rise to two types of income: profit or loss equivalent to the profit or loss resulting from outright sale of the asset being leased, at normal selling prices, reflecting any applicable discounts, and finance income over the lease term.

  
2.10

Other operating income

Income arising from transactions which do not form part of the Company’s business of selling commercial vehicle leases, vehicle maintenance and related services are reported in the Statement of Comprehensive Income as Other operating income. This includes income from legal settlements, profit on disposal of non-vehicle fixed assets, dividends receivable from subsidiary undertakings and other miscellaneous income. Income from legal settlements is recognised when a legally binding settlement agreement or court decision is made. Dividends receivable from subsidiary undertakings are recognised when the right to receive payment is established.

 
2.11

Interest receivable and similar income

Interest income is recognised in profit or loss using the effective interest method.

 
2.12

Interest payable and similar expenses

Finance costs are charged to profit or loss over the term of the debt using the effective interest method so that the amount charged is at a constant rate on the carrying amount. Issue costs are initially recognised as a reduction in the proceeds of the associated capital instrument.

Page 15

 
RYDER LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

2.Accounting policies (continued)

 
2.13

Current and deferred taxation

The tax expense for the year comprises current and deferred tax. Tax is recognised in profit or loss except that a charge attributable to an item of income and expense recognised as other comprehensive income or to an item recognised directly in equity is also recognised in other comprehensive income or directly in equity respectively.

The current income tax charge is calculated on the basis of tax rates and laws that have been enacted or substantively enacted by the reporting date in the countries where the Company operates and generates income.

Deferred tax balances are recognised in respect of all timing differences that have originated but not reversed by the reporting date, except that:
The recognition of deferred tax assets is limited to the extent that it is probable that they will be recovered against the reversal of deferred tax liabilities or other future taxable profits; and
Any deferred tax balances are reversed if and when all conditions for retaining associated tax allowances have been met.

Deferred tax balances are not recognised in respect of permanent differences except in respect of business combinations, when deferred tax is recognised on the differences between the fair values of assets acquired and the future tax deductions available for them and the differences between the fair values of liabilities acquired and the amount that will be assessed for tax. Deferred tax is determined using tax rates and laws that have been enacted or substantively enacted by the reporting date.


 
2.14

Tangible fixed assets

Tangible fixed assets under the cost model are stated at historical cost less accumulated depreciation and any accumulated impairment losses. Historical cost includes expenditure that is directly attributable to bringing the asset to the location and condition necessary for it to be capable of operating in the manner intended by management.

Depreciation is charged so as to allocate the cost of assets less their residual value over their estimated useful lives, using the straight-line method.

Depreciation is provided on the following basis:

Land and buildings
-
thirty to forty years, or the expected period of the lease, if lower, excluding owned land which is not depreciated
Other equipment
-
two to ten years, or expected period of use if shorter

The assets' residual values, useful lives and depreciation methods are reviewed, and adjusted prospectively if appropriate, or if there is an indication of a significant change since the last reporting date.

Gains and losses on disposals are determined by comparing the proceeds with the carrying amount and are recognised in profit or loss.

Page 16

 
RYDER LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

2.Accounting policies (continued)

 
2.15

Valuation of investments

Investments in subsidiaries are measured at cost less accumulated impairment.

Impairment reviews are performed by the Directors when there has been an indication of potential impairment. Impairment losses are reversed when the conditions giving rise to impairments previously recognised, are no longer present.

 
2.16

Debtors

Short-term debtors are measured at transaction price, less any impairment. Loans receivable are measured initially at fair value, net of transaction costs, and are measured subsequently at amortised cost using the effective interest method, less any impairment.

 
2.17

Cash and cash equivalents

Cash is represented by cash in hand and deposits with financial institutions repayable without penalty on notice of not more than 24 hours. Cash equivalents are highly liquid investments that mature in no more than three months from the date of acquisition and that are readily convertible to known amounts of cash with insignificant risk of change in value.

 
2.18

Creditors

Short-term creditors are measured at the transaction price. Other financial liabilities, including bank loans, are measured initially at fair value, net of transaction costs, and are measured subsequently at amortised cost using the effective interest method.

 
2.19

Provisions for liabilities

Provisions are recognised when an event has taken place that gives rise to a legal or constructive obligation, a transfer of economic benefits is probable and a reliable estimate can be made.
Provisions are measured as the best estimate of the amount required to settle the obligation, taking into account the related risks and uncertainties.
 
Increases in provisions are generally charged as an expense to profit or loss.

  
2.20

Share capital

Ordinary shares are classified as equity. Amounts paid for ordinary shares in excess of the £1 par value are classified as share premium, also within equity.

  
2.21

Distributions to owners

Dividends and other distributions to the Company’s shareholders are recognised as a liability in the financial statements in the period in which the dividends and other distributions are approved by the Company’s shareholders. These amounts are recognised in the statement of changes in equity. 

Page 17

 
RYDER LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

3.


Critical accounting judgements and estimation of uncertainty

Estimates and judgements are continually evaluated and are based on historical experience and other factors, including expectations of future events that are believed to be reasonable under the circumstances.
Critical accounting estimates and assumptions
The Company makes estimates and judgements concerning the future. The resulting accounting estimates will, by definition, seldom equal the related actual results. The following are the critical judgements, apart from those involving estimations (which are dealt with separately below), that the directors have made in the process of applying the Company’s accounting policies and that have the most significant effect on the amounts recognised in the financial statements.
Judgements:
i)  Deferred tax assets
Deferred tax assets are only recognised when it is probable that they will be recovered against the reversal of deferred tax liabilities or other future taxable profits. 
Estimates:
ii)  Defined benefit pension schemes
The Company has obligations to pay pension benefits to certain employees and past employees. The cost of these benefits and the present value of the obligation depend on a number of factors, including: life expectancy, salary increases, asset valuations and the discount rate on corporate bonds. With the assistance of an independent actuary, management estimates these factors in determining the net pension obligation or asset in the balance sheet. The assumptions reflect historical experience and current trends.


4.


Employees

2024
2023
£000
£000

Wages and salaries
-
3,342

Social security costs
-
1,592

Other pension costs - Cost of defined benefit scheme
1,744
11,934

Other pension costs - Cost of defined contribution scheme
-
108

1,744
16,976


The average monthly number of employees, including directors, during the year was 3 (2023 - 37).

Page 18

 
RYDER LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

5.


Interest receivable and similar income

2024
2023
£000
£000


Other interest receivable
388
-

Bank interest receivable
242
790

Interest on retirement assets
-
2,631

630
3,421


6.


Interest payable and similar expenses

2024
2023
£000
£000


Lease interest payable
87
106

Lease interest payable to group undertakings
-
214

Other interest payable
70
54

157
374


7.


Tax on profit


2024
2023
£000
£000

Corporation tax


UK corporation tax on profit for the year
-
(5,543)

Adjustments in respect of previous periods
-
61

Total current tax
-
(5,482)

Deferred tax


Origination and reversal of timing differences
(207)
16,136

Adjustments in respect of previous periods
-
99

Effects of changes in tax rates
-
297

Total deferred tax
(207)
16,532


Tax on (loss)/profit
(207)
11,050
Page 19

 
RYDER LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024
 
7.Tax on profit (continued)


Factors affecting tax charge for the year

The tax assessed for the year is higher than (2023 - lower than) the standard rate of corporation tax in the UK of 25% (2023 - 23.5%). The differences are explained below:

2024
2023
£000
£000


(Loss)/profit on ordinary activities before tax
(1,408)
14,095


(Loss)/profit on ordinary activities multiplied by standard rate of corporation tax in the UK of 25% (2023 - 23.5%)
(352)
3,312

Effects of:


Effects of non-taxable income and expenses
18
(870)

Tax losses expiring on cessation of trade
-
5,276

Adjustments to tax charge in respect of prior periods
-
160

Other timing differences leading to a decrease in taxation
(30)
-

Non-taxable income
(62)
-

Provision for non-recovery of deferred tax asset
219
2,874

Change in the rate of tax
-
298

Total tax charge for the year
(207)
11,050


Tax rate changes

There were no factors that may affect future tax charges.

Page 20

 
RYDER LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

8.


Tangible fixed assets





Land and buildings
Other Equipment
Total

£000
£000
£000



Cost 


At 1 January 2024
1,650
6,946
8,596


Disposals
-
(6,946)
(6,946)



At 31 December 2024

1,650
-
1,650



Depreciation


At 1 January 2024
1,650
6,946
8,596


Disposals
-
(6,946)
(6,946)



At 31 December 2024

1,650
-
1,650



Net book value



At 31 December 2024
-
-
-



At 31 December 2023
-
-
-

Page 21

 
RYDER LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

9.


Investments





Investments in subsidiary companies

£000



Cost and net book value


At 1 January 2024
261


Disposals
(2)



At 31 December 2024
259






Net book value



At 31 December 2024
259



At 31 December 2023
261


Subsidiary undertakings


The following were subsidiary undertakings of the Company:

Name

Principal activity

Holding

Ryder Pension Fund Limited
Dormant trustee
100%
Euroway Vehicle Contracts Limited
Dormant
100%
Euroway Vehicle Engineering Limited
Dormant
100%

Countries of incorporation
The subsidiaries shown above are all directly held, and registered in the United Kingdom.
Registered office addresses
All of the subsidiaries share the same registered office address as the Company (see note 1).
Hill Hire Limited, Euroway Vehicle Management Limited, Euroway Vehicle Rental Limited and Bullwell Trailer Solutions Limited were all dissolved in 2024.

Page 22

 
RYDER LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

10.


Debtors

2024
2023
£000
£000


Amounts owed by group undertakings
647
421

Other debtors
357
412

Prepayments and accrued income
54
150

Tax recoverable
-
5,543

Deferred taxation
429
255

Other tax receivable
-
95

1,487
6,876


Amounts owed by group undertakings are unsecured and repayable on demand. No interest is charged on such balances arising from commercial transactions which are settled monthly in full.


11.
Leases as lessor

Until recently, leasing formed a significant part of the Company’s activity. All the leases as lessor (whether classified as finance leases or operating leases) were tailored to the specific needs of each customer and therefore included clauses such as:
- minimum fixed term;
- early termination on the anniversary of the commencement of the lease at the Company’s option;
- contingent rental charges for excess mileage and refrigeration usage; and
- additional services such as full service maintenance and fleet management.
All remaining commercial vehicle leases were terminated early in 2023, leaving only one remaining operating lease for land and buildings.
Operating leases as lessor
The company had the following future minimum lease rental income from non-cancellable operating leases of land and buildings, for each of the following years:


Minimum lease payments due:
2024
£000
2023
£000

Not later than one year
68
68

Later than one year and not later than five years
271
271

Later than five years
56
124

395
463

Page 23

 
RYDER LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

12.


Creditors: Amounts falling due within one year

2024
2023
£000
£000

Trade creditors
19
24

Amounts owed to group undertakings
699
1,367

Other taxation and social security
325
24

Finance leases
122
108

Accruals and deferred income
502
883

1,667
2,406


Amounts owed to group undertakings are unsecured and repayable on demand. No interest is charged on these amounts.


13.


Creditors: Amounts falling due after more than one year

2024
2023
£000
£000

Finance leases
908
1,031


Amounts falling due after more than one year include finance leases of £183,000 (2023: £387,000), repayable by instalments. 

Page 24

 
RYDER LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

14.


Finance leases


Minimum lease payments under hire purchase fall due as follows:

2024
2023
£000
£000


Within one year
200
195

Between 1-5 years
905
880

Over 5 years
189
415

1,294
1,490



Residual values
-
-

Less: finance charges

(264)
(351)


1,030
1,139

The finance leases relate to long-term leased land and buildings secured on the related leased assets, and repayable in instalments. The lease for land and buildings is sublet. The related future income is disclosed in note 11.

Page 25

 
RYDER LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

15.


Deferred taxation




2024
2023


£000

£000






At beginning of year
255
4,329


Charged to profit or loss
207
(16,532)


Credited to other comprehensive expense
(33)
12,458



At end of year
429
255

The deferred tax asset is made up as follows:

2024
2023
£000
£000


Unutilised tax losses
-
3,058

Post-employment benefits
429
255

Provision for impairment
-
(3,058)

429
255

All tax losses not utilised against pre-cessation taxable profits have been written off as they will no longer be available for future offset. Given the recent strategic wind-down of the business, the Directors fully expect all of the unutilised tax losses arising after 30 June 2023 to have no future taxable profits against which they can be offset, such losses were fully impaired during 2023 as shown above.

Page 26

 
RYDER LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

16.


Provisions for liabilities




Other provisions

£000





At 1 January 2024
250


Credited to profit or loss
(250)



At 31 December 2024
-

Provisions relate to leasehold property dilapidation costs. They are due to be settled on demand. There is a degree of inherent uncertainty regarding the values of these dilapidation provisions, which are based upon the Company’s best estimates of liabilities which will be subject to negotiation with lessors at, or after, the end of each lease term.


17.


Called up share capital

2024
2023
£000
£000
Allotted, called up and fully paid



3,063,175 (2023 - 3,063,175) Ordinary shares of £1.00 each
3,063
3,063



18.


Reserves

Profit and loss account

This reserve includes the cumulative profits or losses less dividends distributed to shareholders.

Page 27

 
RYDER LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024

19.


Pension commitments

Defined contribution fund
The Company operates a defined contribution pension scheme. The assets of the scheme are held separately from those of the Company in an independently administered fund. The pension cost charge represents contributions payable by the Company to the fund and amounted to £Nil (2023: £108,087).
Defined benefit fund

The Company operates a Defined Benefit Pension Scheme.

The Scheme provides pensions in retirement and death benefits to members. Pension benefits are linked to a member’s final salary at retirement (or leaving service, if earlier) and their length of service. Since 31 March 2010 the Scheme has been closed to future accrual. The Scheme is a registered scheme under UK legislation, and is subject to the scheme funding requirements outlined in UK legislation.         
The Scheme is governed by its trust deed and rules dated 1 February 2010 and subsequent amending deeds. The Trustee is responsible for the operation and the governance of the Scheme, including making decisions regarding the Scheme's funding and investment strategy in conjunction with the Company. The Scheme does not hold any ordinary shares issued or property occupied by the Company.         
The most recent formal actuarial valuation of the Scheme was as at 31 December 2023 and revealed a funding deficit of £6,009,000. The Company and Trustees have agreed a Recovery Plan to address the deficit where the Company is expected to pay a contribution of £6,575,000 by 29 March 2030 - however the exact timing and amount is uncertain because this relates to insurer premiums, GMP equalisation backpayments, and expenses which are not yet known. The Company is also expected to pay contributions of £984,000 over the next accounting period as an allowance for administration expenses and scheme levies. 
The liabilities of the Scheme are based on the current value of expected benefit payment cashflows to members of the Scheme over the next 50 to 60 years. The average duration of the liabilities is approximately 12 years.         
 
Page 28

 
RYDER LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024
 
19.Pension commitments (continued)




Reconciliation of present value of plan liabilities:


2024
2023
£000
£000

Reconciliation of present value of plan liabilities


At the beginning of the year
217,790
205,079

Interest cost
9,835
9,724

Actuarial losses/(gains)
(26,607)
12,252

Benefits paid
(8,788)
(9,265)

Past service cost
760
-

At the end of the year
192,990
217,790



Reconciliation of present value of plan assets:


2024
2023
£000
£000


At the beginning of the year
216,769
253,388

Interest income on Scheme assets
9,771
12,355

Return on assets, excluding interest income
(26,477)
(51,709)

Contributions by employers
984
12,984

Benefits paid
(8,788)
(9,265)

Scheme administrative cost
(984)
(984)

At the end of the year
191,275
216,769

The fair value of the Scheme’s assets, which are not intended to be realised in the short term and may be subject to significant change before they are realised, and the present value of the Scheme’s liabilities, which are derived from cash flow projections over long periods and thus inherently uncertain, were:


Composition of plan assets:


2024
2023
£000
£000


Insured Annuity Policies
188,008
213,091

Cash and other
3,267
3,678

Total plan assets

191,275
216,769

Page 29

 
RYDER LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024
 
19.Pension commitments (continued)



Actual return on assets over the year
(16,706)
(39,354)

2024
2023
£000
£000


Fair value of plan assets
191,275
216,769

Present value of plan liabilities
(192,990)
(217,790)

Net pension scheme liability
(1,715)
(1,021)

The Scheme has no unfunded obligations or unrecognised past service costs.


The amounts recognised in profit or loss are as follows:

2024
2023
£000
£000


Service cost - administrative cost
984
984

Net interest on the net defined benefit (liability)/assets
64
(2,631)

Service cost - past service costs
760
10,950

Total
1,808
9,303



Actuarial (gains)/losses on the liabilities
(26,607)
1,302

Return on assets, excluding interest income
26,477
51,709

(130)
53,011

The past service costs recognised have arisen due to changes in cash commutation factors adopted as part of the ongoing buy-out process with Aviva.




Page 30

 
RYDER LIMITED
 
 
 
NOTES TO THE FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 DECEMBER 2024
 
19.Pension commitments (continued)

A full actuarial valuation of the Scheme was carried out as at 31 December 2023 by a qualified independent actuary using membership data supplied by XPS Administration Limited and has been updated to 31 December 2024 with approximate allowance for actual membership movements by a qualified independent actuary. The major assumptions used by the actuary were (in nominal terms):

2024
2023
%
%
Discount rate


5.50

4.60
 
Revaluation in deferment


3.10

3.05
 
Future inflation-linked pension increases (referenced to RPI)


2.95

2.90
 
Inflation assumption (CPI)


2.90

2.80
 
Inflation assumption (RPI)


3.10

3.05
 
Mortality rates (In years)



 
- for a male aged 65 now


20.3

20.7
 
- at 65 for a male aged 45 now


21.2

21.6
 
- for a female aged 65 now


22.9

23.2
 
- at 65 for a female member aged 45 now


24.0

24.3
 

The assumptions used by the actuary are best estimates chosen from a range of possible actuarial assumptions which, due to the timescale covered, may not necessarily be borne out in practice.






20.


Controlling party

The immediate parent undertaking is Ryder System Holdings (UK) Limited, a company registered in the United Kingdom, and whose registered office is the same as that of the Company (see note 1).
The ultimate parent undertaking and controlling party is Ryder System Inc., a company incorporated in the State of Florida, U.S.A., Ryder System Inc. is the parent undertaking of both the largest and smallest group of undertakings to consolidate these financial statements at 31 December 2024 and the consolidated financial statements of Ryder System Inc. are available from Group Director Investor Relations, at the registered office of Ryder System Inc., 2333 Ponce de Leon Blvd. Suite 700 Coral Gables, FL 33134, Florida, USA. 

Page 31