MONEY ADVICE TRUST
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Cash
£4.9m
+80.6% vs 2024
Net assets
£10m
-22.8% lowest in 3 filed years
Employees
327
+1.6% highest in 3 filed years
Profit before tax
—
Period ending 2025-12-31
Net assets
3-year trend · vs Financials median
Accounts
3-year trend · Δ = latest vs prior filed period · latest reflected 2025-12-31
| Metric | Trend | 2023-12-31 | 2024-12-31 | 2025-12-31 | Δ vs prior |
|---|---|---|---|---|---|
| Turnover | £13,522,861 | £17,093,276 | — | — | |
| Operating profit | — | — | — | — | |
| Profit before tax | £2,546,500 | -£835,882 | — | — | |
| Net profit | £2,546,500 | -£835,882 | -£3,094,392 | -270.2% | |
| Cash | £8,862,333 | £2,722,579 | £4,917,083 | +80.6% | |
| Total assets less current liabilities | £14,394,169 | £13,558,287 | £10,793,895 | -20.4% | |
| Net assets | £14,394,169 | £13,558,287 | £10,463,895 | -22.8% | |
| Equity | £14,394,169 | £13,558,287 | £10,463,895 | -22.8% | |
| Average employees | 282 | 322 | 327 | +1.6% | |
| Wages | £10,654,590 | £12,311,108 | £12,733,880 | +3.4% | |
| Directors' remuneration | £121,657 | £130,553 | — | — |
Values shown as filed in the company's annual accounts. — indicates the figure wasn't present under that line item in that period. The Δ column is the change from the prior filed period as a percentage of |prior|; lines a company doesn't report show —. About these numbers
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|
| Net margin | 18.8% | -4.9% | — | |
| Gearing (liabilities / total assets) | 20.8% | 13.9% | 26.3% | |
| Current ratio | 4.69x | 7.01x | 4.11x |
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 102
- Reporting scope
- Standalone (parent only)
- Auditor
- PEM Audit Limited
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“Following a review of secured funding, commitments and liabilities for 2026 and future years, the Board is confident that Money Advice Trust can sustain its services through 2026 and beyond. Accordingly, the accounts have been prepared on a going-concern basis.”
Significant events
- “After the year end, Money Advice Trust received confirmation that an insurance claim relating to past events had been settled and £201,173 has been accrued in the accounts as other income.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
9 active · 34 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| ALLISON, Mark | Director | 2024-01-01 | May 1968 | British |
| BURGESS, Laurence Edward | Director | 2019-09-01 | Dec 1956 | British |
| CLARKE, Penelope Jane | Director | 2025-09-25 | Mar 1977 | British |
| DESAI, Sarah Ruth | Director | 2022-12-01 | Mar 1976 | British |
| HAYES, Christine | Director | 2023-07-17 | Apr 1950 | British |
| KHAN, Adam | Director | 2023-08-16 | Sep 1979 | British |
| MCMILLAN-WARD, Zitah | Director | 2023-08-16 | Jun 1971 | British |
| MEAGHER, Alexandra | Director | 2023-08-16 | Nov 1985 | Australian |
| REDDY, Thomas Richard Hamilton | Director | 2025-09-25 | Oct 1977 | British |
Show 34 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BROWN, Mel | Secretary | 2023-07-17 | 2024-01-19 |
| DAY, Mark | Secretary | 2024-01-22 | 2025-12-03 |
| WITCOMBE, Ian Michael | Secretary | 2003-04-23 | 2023-07-19 |
| BARLEY, Michael James | Director | 2010-04-30 | 2016-07-06 |
| BENNETT, Anna Louise | Director | 2017-01-01 | 2022-11-11 |
| BLEAKLEY, Tracey Paula | Director | 2013-07-10 | 2017-07-13 |
| BLOOM, Margaret Janet, Lady | Director | 2003-11-17 | 2015-07-16 |
| BULL, Gill | Director | 2003-04-23 | 2008-03-16 |
| COLES, Adrian Michael | Director | 2003-04-23 | 2004-02-24 |
| COLVILL, Robert William Chaigneau | Director | 2003-04-23 | 2004-03-30 |
| CRINE, Simon John Geoffrey | Director | 2013-07-10 | 2019-07-18 |
| GIMBER, Martyn | Director | 2010-04-30 | 2017-02-02 |
| HALL, Martin Allan | Director | 2003-04-23 | 2013-11-28 |
| HUNTER, Garry Gates | Director | 2008-02-14 | 2011-07-06 |
| KEASEY, Adrian Ryan | Director | 2017-01-01 | 2023-07-17 |
| LOMNICKA, Eva, Professor | Director | 2003-07-29 | 2011-12-08 |
| MALENCZUK, Lucy Elizabeth | Director | 2019-09-01 | 2025-08-30 |
| MANCHANDA, Vineeta | Director | 2018-09-01 | 2023-12-31 |
| MCKAY, Gail | Director | 2013-11-28 | 2021-06-17 |
| MORTIMER SYKES, Judith Anne | Director | 2010-04-30 | 2013-05-31 |
| MULLEN, Andrew Ian | Director | 2005-08-09 | 2008-05-01 |
| POMEROY, Brian Walter, Sir | Director | 2003-04-23 | 2009-12-31 |
| SAMRA, Neelam | Director | 2012-01-26 | 2013-06-08 |
| SAUNDERS, John Norman | Director | 2003-11-17 | 2010-07-07 |
| SHARPLES, Adam John | Director | 2016-07-06 | 2023-07-17 |
| SLADE, Lawrence Charles | Director | 2017-09-01 | 2023-07-17 |
| SLIPMAN, Sue | Director | 2003-11-17 | 2004-10-05 |
| SMEE, Paul Howard | Director | 2017-09-01 | 2024-07-10 |
| SWEENEY, Tim | Director | 2003-04-23 | 2005-07-19 |
| WATSON, Jennifer | Director | 2008-02-14 | 2017-07-13 |
| WHYLEY, Claire Margaret | Director | 2012-01-26 | 2018-07-17 |
| WILKIE, Rebecca Clare | Director | 2018-09-01 | 2025-02-18 |
| WILLIAMS, Sian Alexis | Director | 2012-01-26 | 2018-07-17 |
| WILLIS, Merrick Charles | Director | 2012-01-26 | 2018-07-17 |
Ownership
Persons with significant control
Filing timeline
Last 20 of 165 total filings
Material constitutional events — rename, articles re-file, resolution
- 2025-06-13 MA Memorandum articles
- 2025-06-13 RESOLUTIONS Resolution
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-06-29 | AA | accounts | Accounts with accounts type full | |
| 2026-04-18 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2026-04-15 | RP01AP01 | officers | Replacement filing of director appointment with name | |
| 2026-04-15 | RP01AP01 | officers | Replacement filing of director appointment with name | |
| 2026-03-25 | CH01 | officers | Change person director company with change date | |
| 2026-03-20 | CH01 | officers | Change person director company with change date | |
| 2025-12-03 | TM02 | officers | Termination secretary company with name termination date | |
| 2025-10-14 | TM01 | officers | Termination director company with name termination date | |
| 2025-10-07 | AA | accounts | Accounts with accounts type full | |
| 2025-10-03 | AP01 | officers | Appoint person director company with name date | |
| 2025-09-30 | CH01 | officers | Change person director company with change date | |
| 2025-09-30 | AP01 | officers | Appoint person director company with name date | |
| 2025-06-13 | MA | incorporation | Memorandum articles | |
| 2025-06-13 | RESOLUTIONS | resolution | Resolution | |
| 2025-05-07 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-03-31 | AD01 | address | Change registered office address company with date old address new address | |
| 2025-02-19 | TM01 | officers | Termination director company with name termination date | |
| 2024-08-12 | AA | accounts | Accounts with accounts type full | |
| 2024-07-12 | TM01 | officers | Termination director company with name termination date | |
| 2024-05-07 | CS01 | confirmation-statement | Confirmation statement with no updates |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 12
- Capital events
- 0
- Officers appointed
- 2
- 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.