PENSIONS AND LIFETIME SAVINGS ASSOCIATION
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Cash
£3.6m
Latest balance sheet
Net assets
£3.2m
Equity attributable
Employees
54
Average over period
Profit before tax
£123k
Period ending 2023-12-31
Net assets
1-year trend · vs Consumer Discretionary median
PENSIONS AND LIFETIME SAVINGS ASSOCIATION·Consumer Discretionary median
PENSIONS AND LIFETIME SAVINGS ASSOCIATION·Consumer Discretionary median
PENSIONS AND LIFETIME SAVINGS ASSOCIATION·Consumer Discretionary median
PENSIONS AND LIFETIME SAVINGS ASSOCIATION·Consumer Discretionary median
PENSIONS AND LIFETIME SAVINGS ASSOCIATION·Consumer Discretionary median
Accounts
1-year trend · Δ = latest vs prior filed period · latest reflected 2025-12-31
| Metric | Trend | 2023-12-31 | Δ vs prior |
|---|---|---|---|
| Total income | £7,914,713 | — | |
| Operating profit | £71,347 | — | |
| Profit before tax | £122,505 | — | |
| Net profit | £81,505 | — | |
| Cash | £3,593,838 | — | |
| Total assets less current liabilities | £3,156,876 | — | |
| Net assets | £3,156,876 | — | |
| Equity | £3,156,876 | — | |
| Average employees | 54 | — | |
| Wages | £3,465,500 | — | |
| Directors' remuneration | £860,555 | — | |
| Directors' pension contributions | £4,000 | — | |
| Highest paid director | £329,390 | — |
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 |
|---|---|---|
| Operating margin | 0.9% | |
| Net margin | 1.0% | |
| Return on capital employed | 2.3% | |
| Gearing (liabilities / total assets) | 68.2% | |
| Current ratio | 1.29x |
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.
Name history
Renamed 2 times since incorporation
- PENSIONS AND LIFETIME SAVINGS ASSOCIATION 2017-03-16 → present
- THE NATIONAL ASSOCIATION OF PENSION FUNDS LIMITED 2009-08-27 → 2017-03-16
- NATIONAL ASSOCIATION OF PENSION FUNDS(THE) 1973-08-21 → 2009-08-27
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Standalone (parent only)
- Auditor
- HaysMac LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“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”
Group structure
- PENSIONS AND LIFETIME SAVINGS ASSOCIATION · parent
- Pension Quality Mark Limited
- PLSA Ltd
- National Association of Pension Funds Limited
Significant events
- “Our lobbying led to the levy being reduced to zero, saving DB schemes thousands of pounds per year”
- “We campaigned effectively on this issue, leading to the Government adopting the proposals that we developed with our members on how the tax should be paid”
- “Many of our members have been grappling with the issues ansing from the Virgin Media case Following engagement behind the scenes, the Government has now committed to resolving the retrospective issues and the FCA has begun to publish guidance on it”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
11 active · 124 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| HOWELLS, Ceri | Secretary | 2021-09-10 | — | — |
| ALEXANDER, Zoe Laura | Director | 2024-11-04 | Mar 1978 | British |
| CHILMAN, John David | Director | 2021-10-14 | Jul 1967 | British |
| COPLIN, Dave Charles | Director | 2020-11-03 | Mar 1970 | British |
| DOUGLAS, Emma Elizabeth | Director | 2018-10-19 | Jul 1965 | British |
| FIVEASH, James Graham | Director | 2023-10-19 | Aug 1974 | British |
| HOWELLS, Ceri | Director | 2022-06-21 | Aug 1972 | British |
| MCCLYMONT, Gregg | Director | 2024-10-15 | Jun 1976 | British |
| MUND, Julian Oliver | Director | 2013-09-30 | May 1971 | British |
| MYERS, Laura Anne | Director | 2023-10-19 | Nov 1985 | British |
| YOUNG, Carol | Director | 2020-11-03 | Jun 1975 | British |
Show 124 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BINGLEY, Joan Hilary | Secretary | 1998-02-11 | 2000-03-01 |
| BOGIRA, Edward Stephen John | Secretary | 2016-12-08 | 2018-10-01 |
| CONNOR, Carl Francis | Secretary | 2000-03-01 | 2003-04-30 |
| COOKE, Mark | Secretary | 2018-10-01 | 2021-09-10 |
| COX, Christopher | Secretary | 2004-07-01 | 2004-12-31 |
| FAIRCLOUGH, Richard John | Secretary | — | 1997-06-30 |
| GOULD, David John | Secretary | 2005-01-01 | 2012-02-17 |
| ROGERS, John Ernest | Secretary | 1997-07-01 | 1997-09-10 |
| SHEPHEARD, Geoffrey Arthur George | Secretary | 1997-09-10 | 1998-02-11 |
| WEBB, Laura Aldyth | Secretary | 2012-02-20 | 2016-12-08 |
| CARGIL MANAGEMENT SERVICES LIMITED | Corporate Secretary | 2003-04-30 | 2004-06-30 |
| ALEXANDER, Gregor Ramage | Director | — | 1995-04-28 |
| ALLEN, Graham Keith | Director | 1994-03-11 | 2000-03-17 |
| AMY, Ronald John | Director | — | 1997-05-14 |
| ARMITAGE, Christopher Harry | Director | 1993-05-07 | 2001-05-18 |
| AYERS, Kenneth Edwin | Director | 2000-03-17 | 2005-05-12 |
| BARLOW, Richard Alexander | Director | 2007-06-05 | 2009-10-16 |
| BLOW, Barbara Luise | Director | 2005-05-12 | 2007-06-30 |
| BOOKER, Peter John | Director | 1997-05-14 | 2001-05-18 |
| BROWN, Robert Haynes | Director | 2013-10-18 | 2017-10-20 |
| BROWNING, Elizabeth | Director | — | 1995-04-28 |
| BUTCHER, Richard | Director | 2013-10-18 | 2021-10-14 |
| CHAPMAN, Alan Charles | Director | 1995-04-28 | 1999-05-21 |
| CHAPMAN, Alan Charles | Director | — | 1994-04-29 |
| CHILMAN, John David | Director | 2021-09-10 | 2021-09-10 |
| CHYNOWETH, David Boyd | Director | 1998-05-15 | 2001-05-18 |
| CLAYTON, Tina Louise | Director | 2007-05-25 | 2007-10-02 |
| COOKE, Mark Anthony | Director | 2014-12-18 | 2021-07-08 |
| COOMBE, Michael Alfred | Director | — | 1995-04-28 |
| DAWRANT, Andrew Christopher | Director | 1995-04-28 | 1999-05-21 |
| DEMBITZ, John Andrew | Director | 2014-09-11 | 2020-11-03 |
| DENNIS, Roger Anthony | Director | — | 1993-05-07 |
| DERRICK, Peter | Director | 1997-05-14 | 2001-05-18 |
| DUNCOMBE, Michael Charles | Director | 1993-05-07 | 2001-05-18 |
| EDGEWORTH, Anna Lynnette | Director | 1995-04-28 | 1998-05-15 |
| ELLISON, Robin Charles | Director | 2001-05-18 | 2009-10-16 |
| ELLISON, Robin Charles | Director | 1992-06-14 | 2000-05-12 |
| FARNISH, Christine | Director | 2005-05-12 | 2006-10-02 |
| FAULKNER, Terence Brian | Director | 1998-05-15 | 2006-06-05 |
| FAWCETT, Mark Alexander | Director | 2013-11-13 | 2015-10-16 |
| FERGUSON, Gordon William Hugh | Director | 1994-04-29 | 1998-05-15 |
| FIVEASH, James Graham | Director | 2015-12-10 | 2018-10-19 |
| GIBSON, Robert James Mcintosh | Director | 1992-02-28 | 1993-05-07 |
| GILCHRIST, Clive Mace | Director | — | 1994-03-11 |
| GLEIG, Sheila | Director | — | 1995-04-28 |
| GOLDMAN, Ruth Janice | Director | 2006-06-13 | 2011-10-21 |
| GOLDMAN, Ruth Janice | Director | 2003-05-22 | 2005-05-12 |
| GOLDMAN, Ruth Janice | Director | 2000-05-12 | 2001-05-18 |
| GOY, Michael | Director | 2005-05-12 | 2008-09-24 |
| HADLEY, Kate | Director | 2020-12-09 | 2025-09-02 |
| HALL, Dennis Trayton | Director | — | 1993-05-07 |
| HARTRIDGE- PRICE, Colin Charles | Director | 1999-05-21 | 2001-05-18 |
| HATCHER, Alison | Director | 2018-10-19 | 2023-10-19 |
| HEATH-LAY, Patrick Iain | Director | 2018-10-19 | 2020-11-03 |
| HITCHEN, Christopher John | Director | 2002-05-10 | 2011-10-21 |
| HOGG, Chris Duncan | Director | 2017-10-20 | 2018-10-19 |
| HOLLENDER, Keith | Director | 2008-05-06 | 2011-04-30 |
| HYDE HARRISON, Mark | Director | 2009-10-16 | 2015-10-16 |
| JENKINS, Jamie Jonathan Jestyn | Director | 2017-12-07 | 2018-10-19 |
| JOHNSON, Cyril Francis | Director | 2014-12-18 | 2018-10-19 |
| JONES, Warwick | Director | 1993-05-07 | 2001-05-18 |
| KITTS, Arno | Director | 2006-06-08 | 2011-10-21 |
| KOBER, Stephen Walter | Director | 2005-05-12 | 2014-09-05 |
| LEIGH, Richard Wyndham | Director | 1995-04-28 | 1997-05-14 |
| LEWIN, Christopher George | Director | 1995-04-28 | 2001-05-18 |
| LINDEY, Geoffrey Max | Director | 1993-05-07 | 1998-03-19 |
| MACMAHON, Brian Sean | Director | — | 1995-04-28 |
| MANNION, Martin | Director | 2011-10-21 | 2013-10-18 |
| MARK, Nicola | Director | 2017-12-07 | 2018-10-19 |
| MARSHALL, George Brownlie | Director | — | 1997-05-14 |
| MARTIN, Raymond John | Director | 2009-10-16 | 2011-10-21 |
| MARTIN, Raymond John | Director | 2004-05-13 | 2004-12-17 |
| MARTIN, Raymond John | Director | 1995-04-28 | 2001-05-18 |
| MATHESON, Angus William | Director | — | 1996-03-13 |
| MAY, Catherine Jean | Director | 2018-10-19 | 2024-10-15 |
| MITCHELL, Timothy Frank Munroe | Director | — | 1995-04-28 |
| MOORE, Joy | Director | 2008-07-16 | 2013-10-18 |
| MORGAN, David George | Director | 2005-05-12 | 2007-05-25 |
| MORGAN, David George | Director | 2001-05-18 | 2004-05-13 |
| MORGAN, David George | Director | 1993-05-07 | 1997-05-14 |
| MORGAN, David George | Director | — | 1992-05-08 |
| MURRAY, Peter Anthony | Director | 1993-05-07 | 2001-05-18 |
| O'BRIEN, Michael | Director | 2011-10-21 | 2013-10-18 |
| O'BRIEN, Mike | Director | 2013-11-15 | 2015-10-16 |
| PARKER, Michael Dennis | Director | 1999-05-21 | 2001-05-18 |
| PEAPLE, Nigel | Director | 2020-12-09 | 2024-08-31 |
| PEAPLE, Nigel | Director | 2007-05-26 | 2010-07-17 |
| PEARSON, Geoffrey Thomas | Director | 1995-04-28 | 2001-05-18 |
| PEEL, Jacqueline | Director | 2015-12-10 | 2017-10-20 |
| PHILP, Darren Allen | Director | 2010-12-09 | 2013-10-18 |
| PICKERING CBE, Alan Michael | Director | — | 2003-05-22 |
| PICKETT, Joy | Director | — | 1995-04-28 |
| POMERY, Michael Alan | Director | — | 1992-05-08 |
| QUARRELL, John James | Director | 1999-05-21 | 2001-05-18 |
| ROBERTS, Rhoslyn Nesta | Director | 2003-05-22 | 2007-05-25 |
| ROSS, Thomas Mackenzie | Director | — | 1999-05-21 |
| RUBENSTEIN, Alan Martin | Director | 1998-03-19 | 2002-05-17 |
| RUDDICK, Lynn Christine | Director | 1996-03-13 | 2001-05-18 |
| SALSBURY, Bernard Alfred | Director | — | 1996-05-03 |
| SCOTT, Derek | Director | 2005-05-12 | 2006-06-08 |
| SEGARS, Joanne | Director | 2005-05-12 | 2017-04-13 |
| SIM, Sarah Louise Frances | Director | 2025-09-03 | 2026-02-05 |
| SMITH, Andrew George | Director | 1992-05-08 | 1994-04-29 |
| SMITH, Angela Frances | Director | — | 1993-05-07 |
| SMITH, Ruston Arthur Mark | Director | 2009-10-16 | 2017-10-20 |
| STANLEY, Mark Hadrian | Director | 1999-05-21 | 2001-05-18 |
| STIRRUP, Peter | Director | — | 1993-05-07 |
| STROUD, Richard Kenneth | Director | 1999-05-21 | 2003-05-22 |
| STROUD, Richard Kenneth | Director | 1994-04-28 | 1998-05-15 |
| STYLES, Peter Robert | Director | — | 1993-05-07 |
| SWIFT, Maureen Patricia | Director | 1997-05-14 | 1999-05-21 |
| SWIFT, Maureen Patricia | Director | — | 1994-04-29 |
| THOMPSON, Peter William | Director | 1994-04-29 | 2005-05-12 |
| THURNHAM, Anthony Thomas | Director | 1995-04-28 | 1999-05-21 |
| TOMLINSON, Lindsay Peter | Director | 2007-06-05 | 2013-10-18 |
| TORJUSSEN-PROCTOR, Daniel George Sebastian | Director | 2011-06-16 | 2012-12-31 |
| TREVOR, David Gordon | Director | 1996-05-03 | 1999-05-21 |
| TURNER, Ralph Colin | Director | 1997-05-14 | 1998-05-15 |
| URQUHART, Iain Alexander | Director | 1999-05-21 | 2001-05-18 |
| VIDLER, Graham John Edward | Director | 2014-06-05 | 2018-04-20 |
| WESTON, Mike | Director | 2013-11-18 | 2014-09-12 |
| WILLIAMS, Lesley Anne | Director | 2011-10-21 | 2018-10-19 |
| YOUNG, Carol | Director | 2015-12-10 | 2018-10-19 |
| YOUNG, John Michael | Director | — | 1995-04-28 |
Ownership
Persons with significant control
No persons with significant control on record.
Filing timeline
Last 20 of 338 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-08-20 | AA | accounts | Accounts with accounts type full | |
| 2026-08-06 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2026-07-01 | TM01 | officers | Termination director company with name termination date | |
| 2026-02-16 | TM01 | officers | Termination director company with name termination date | |
| 2025-09-12 | AP01 | officers | Appoint person director company with name date | |
| 2025-09-10 | AA | accounts | Accounts with accounts type full | |
| 2025-09-09 | TM01 | officers | Termination director company with name termination date | |
| 2025-08-11 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-11-11 | AP01 | officers | Appoint person director company with name date | |
| 2024-10-21 | AP01 | officers | Appoint person director company with name date | |
| 2024-10-21 | TM01 | officers | Termination director company with name termination date | |
| 2024-09-09 | TM01 | officers | Termination director company with name termination date | |
| 2024-08-07 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-07-18 | AA | accounts | Accounts with accounts type small | |
| 2023-10-20 | AP01 | officers | Appoint person director company with name date | |
| 2023-10-20 | AP01 | officers | Appoint person director company with name date | |
| 2023-10-20 | TM01 | officers | Termination director company with name termination date | |
| 2023-09-23 | CH01 | officers | Change person director company with change date | |
| 2023-09-08 | CH01 | officers | Change person director company with change date | |
| 2023-08-09 | CS01 | confirmation-statement | Confirmation statement with no updates |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 7
- Capital events
- 0
- Officers appointed
- 0
- Officers resigned
- 2
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.