CARD PROTECTION PLAN LIMITED
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Cash
£19K
-99.4% vs 2023
Net assets
£3M
-13.1% vs 2023
Employees
26
-25.7% vs 2023
Profit before tax
-£169K
+89.7% vs 2023
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
Material uncertainty over going concern
In 2023, the Directors determined that continuing to trade is no longer viable and that the Company would be closed, in an orderly manner. Consequently, on 1 January 2024, the Company ceased renewing policies. All one-year or three-year policies which renewed before this date, will be serviced to their expiry. Trading will cease after this point and the Company will be closed. Therefore, the statutory accounts for the year ended 31 December 2024 and prior year are prepared on a basis other than going concern.
Net assets
2-year trend · vs Financials median
Accounts
2-year trend · Δ = latest vs prior filed period · latest reflected 2024-12-31
| Metric | Trend | 2023-12-31 | 2024-12-31 | Δ vs prior |
|---|---|---|---|---|
| Turnover | £6,473,000 | £1,235,000 | -80.9% | |
| Operating profit | -£2,600,000 | -£500,000 | +80.8% | |
| Profit before tax | -£1,646,000 | -£169,000 | +89.7% | |
| Net profit | -£1,200,000 | -£469,000 | +60.9% | |
| Cash | £3,060,000 | £19,000 | -99.4% | |
| Total assets less current liabilities | £5,017,000 | £3,692,000 | -26.4% | |
| Net assets | £3,587,000 | £3,118,000 | -13.1% | |
| Equity | £3,587,000 | £3,118,000 | -13.1% | |
| Average employees | 35 | 26 | -25.7% | |
| Wages | £1,034,000 | £872,000 | -15.7% | |
| Directors' remuneration | £23,000 | £67,000 | +191.3% |
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 |
|---|---|---|---|
| Operating margin | -40.2% | -40.5% | |
| Net margin | -18.5% | -38.0% | |
| Return on capital employed | -51.8% | -13.5% | |
| Gearing (liabilities / total assets) | 58.7% | 41.8% | |
| Current ratio | 2.29x | 3.22x | |
| Interest cover | -100.00x | -3.57x |
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
- PKF Littlejohn LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Material uncertainty disclosed
“In 2023, the Directors determined that continuing to trade is no longer viable and that the Company would be closed, in an orderly manner. Consequently, on 1 January 2024, the Company ceased renewing policies. All one-year or three-year policies which renewed before this date, will be serviced to their expiry. Trading will cease after this point and the Company will be closed. Therefore, the statutory accounts for the year ended 31 December 2024 and prior year are prepared on a basis other than going concern.”
Significant events
- “In October 2022 the Group announced its strategy to close its legacy businesses, including the Company. In line with this, in 2023, the Company informed the FCA and suppliers that it intended to withdraw the Card Protection and Identity Protection products on 1 January 2024, with no further renewals being accepted from that date onwards.”
- “The Company disposed of their associate, CPP Italia SRL, on 14 June 2024, to a third party.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
5 active · 52 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| ATHERTON, Sarah Elizabeth | Secretary | 2021-01-01 | — | — |
| ATHERTON, Sarah Elizabeth | Director | 2024-12-06 | Sep 1981 | British |
| CIFUENTES, Luisa | Director | 2021-10-06 | Aug 1970 | Spanish |
| FERGUSON, Andrew Kerr Adam | Director | 2022-06-07 | Mar 1951 | British |
| MORRISON, David | Director | 2025-10-13 | Jan 1959 | British |
Show 52 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BEAVIS, Lorraine Grace | Secretary | 2013-11-29 | 2020-12-31 |
| KITSON, John Edward | Secretary | 2000-09-11 | 2001-11-28 |
| METCALFE, Lucinda Mary | Secretary | 2011-03-18 | 2011-05-10 |
| METCALFE, Lucinda Mary | Secretary | 2008-11-07 | 2010-10-05 |
| OGSTON, Hamish Macgregor | Secretary | 1994-12-06 | 2000-09-11 |
| RADBONE, Christopher Edward Charles | Secretary | — | 1996-02-28 |
| SOWERY, Martin Paul | Secretary | 2001-11-28 | 2008-11-07 |
| TITCHENER, Alan John | Secretary | 2011-05-10 | 2013-11-29 |
| WATTS, Paula Mary | Secretary | 2010-10-05 | 2011-03-18 |
| ASTLEY-STONE, Shaun Kingsley | Director | 2013-09-17 | 2016-05-10 |
| BLANK, Alan Hirsch | Director | 1999-11-15 | 2003-02-03 |
| BUCKLEY, Martin John | Director | 1994-02-23 | 1995-03-22 |
| CALLAGHAN, Stephen James | Director | 2015-08-14 | 2016-05-19 |
| CARTER, Carl Steven | Director | 2021-07-20 | 2022-06-07 |
| COLE, Carol Anne | Director | 1997-12-16 | 2000-10-06 |
| CORCORAN, Michael John | Director | 2015-09-18 | 2017-04-30 |
| CRAWFORD, Charles Robertson | Director | 2014-07-01 | 2015-09-17 |
| ESCOTT, Brent | Director | 2013-09-01 | 2015-02-16 |
| EVANS, Ruth Elizabeth | Director | 2013-10-04 | 2016-02-11 |
| FERGUSON, Andrew Kerr Adam | Director | 2016-09-22 | 2021-10-06 |
| FIELDING, Martin Leslie | Director | 1994-02-23 | 1997-02-03 |
| FISHER, Andrew Charles | Director | 2003-02-28 | 2004-06-04 |
| FLASH, Victoria | Director | 2023-11-14 | 2024-12-06 |
| GREGSON, Charles Henry | Director | 2011-09-19 | 2014-01-29 |
| HURLSTON, Malcolm | Director | 1994-10-01 | 1997-08-19 |
| KELLY, Timothy Geoffrey | Director | 2004-05-12 | 2005-02-28 |
| KENNEDY, Stephen Alexander | Director | 2005-02-28 | 2012-07-27 |
| KITSON, John Edward | Director | 2000-06-05 | 2003-11-03 |
| KNEAFSEY, Michael Gerard | Director | 2010-08-02 | 2012-07-27 |
| LANDAU, Edward Lester | Director | — | 1994-10-03 |
| MCCAUL, Catherine Mary | Director | 2000-10-06 | 2005-02-04 |
| MORGAN, Peter John | Director | 2005-01-20 | 2011-04-30 |
| MOUNCEY, Stephen David | Director | 2019-08-14 | 2021-07-20 |
| OATEN, William Mark | Director | 2017-04-24 | 2017-07-31 |
| OGSTON, Hamish Macgregor | Director | — | 2005-04-08 |
| OSBORNE, John Stewart | Director | 1995-06-07 | 2000-08-03 |
| PARKER, Shaun | Director | 2005-01-11 | 2013-08-31 |
| PARSONS, Craig | Director | 2013-09-01 | 2015-08-31 |
| PYPER, Simon John | Director | 2022-02-16 | 2024-02-12 |
| RADBONE, Christopher Edward Charles | Director | — | 1996-02-28 |
| RAJGURU, Abhai | Director | 2016-02-26 | 2016-05-10 |
| ROSS, David Anthony | Director | 2017-04-05 | 2019-07-01 |
| STOBART, Paul Lancelot | Director | 2011-12-06 | 2013-08-31 |
| WACE, Hugh Patrick Sant | Director | — | 1995-02-08 |
| WALSH, Jason Carl | Director | 2016-05-06 | 2022-02-16 |
| WALSH, Jason Carl | Director | 2013-09-30 | 2014-07-09 |
| WALSH, Jason Carl | Director | 2007-12-11 | 2010-08-04 |
| WEST, Stephen | Director | 1999-08-01 | 2001-04-24 |
| WHITEHAIR, Colin Roy Keith | Director | 1995-04-03 | 1999-11-11 |
| WHITFIELD, Michael Peter | Director | 2019-07-01 | 2019-11-29 |
| WOOLHAM, Shirley Louise | Director | 2010-08-04 | 2011-12-06 |
| WOOLLEY, Eric Rhys | Director | 2004-06-07 | 2010-12-09 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Cpp Holdings Limited | Corporate entity | Shares 75–100% | 2016-04-06 | Active |
Filing timeline
Last 20 of 276 total filings
Material constitutional events — rename, articles re-file, resolution
- 2026-02-05 RESOLUTIONS Resolution
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-02-05 | SH19 | capital | Capital statement capital company with date currency figure | |
| 2026-02-05 | SH20 | capital | Legacy | |
| 2026-02-05 | CAP-SS | insolvency | Legacy | |
| 2026-02-05 | RESOLUTIONS | resolution | Resolution | |
| 2026-02-05 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2026-02-03 | RP01AP01 | officers | Replacement filing of director appointment with name | |
| 2025-12-01 | PSC05 | persons-with-significant-control | Change to a person with significant control | |
| 2025-11-06 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2025-11-06 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2025-11-06 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2025-11-06 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2025-11-06 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2025-11-06 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2025-11-06 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2025-10-13 | AP01 | officers | Appoint person director company with name date | |
| 2025-09-01 | CH01 | officers | Change person director company with change date | |
| 2025-09-01 | CH01 | officers | Change person director company with change date | |
| 2025-09-01 | CH03 | officers | Change person secretary company with change date | |
| 2025-09-01 | AD02 | address | Change sail address company with old address new address | |
| 2025-09-01 | AD03 | address | Move registers to sail company with new address |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 20
- Capital events
- 2
- Officers appointed
- 1
- 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.