HUB FINANCIAL SOLUTIONS LIMITED
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Next accounts due
2027-09-30 (in 1y)
Last filed for 2025-12-31
Confirmation statement due
2026-07-10 (in 2mo)
Last made up 2025-06-26
Watchouts
Cash
£263K
+58.4% vs 2024
Net assets
£8M
+2.1% vs 2024
Employees
0
Average over period
Profit before tax
£226K
+126% vs 2024
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
4 officer resignations in last 12 months
Multiple officers have left the board recently — see the People section for who.
Net assets
2-year trend · vs Industrials median
Accounts
2-year trend · latest reflected 2025-12-31
| Metric | Trend | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Turnover | £20,957,000 | £21,413,000 | |
| Operating profit | -£279,000 | -£105,000 | |
| Profit before tax | £100,000 | £226,000 | |
| Net profit | -£456,000 | £169,000 | |
| Cash | £166,000 | £263,000 | |
| Total assets less current liabilities | £7,893,000 | £8,062,000 | |
| Net assets | £7,893,000 | £8,062,000 | |
| Equity | £7,893,000 | £8,062,000 | |
| Average employees | 0 | 0 | |
| Wages | — | — | |
| Directors' remuneration | — | — |
Values shown as filed in the company's annual accounts. — indicates the figure wasn't present under that line item in that period. About these numbers
Year-on-year
FY2024 → FY2025 · period ending 2025-12-31 vs 2024-12-31
-
Turnover
+2.2%
£20,957,000 £21,413,000
-
Cash
+58.4%
£166,000 £263,000
-
Net assets
+2.1%
£7,893,000 £8,062,000
-
Employees
—
Not reported
-
Operating profit
+62.4%
-£279,000 -£105,000
-
Profit before tax
+126%
£100,000 £226,000
Each % is (latest − prior) ÷ |prior| for the line item as filed. The comparison is only shown when the latest and prior accounts cover broadly equal-length periods — short or long stubs (typical around incorporation or a year-end change) are suppressed rather than misrepresented. Lines a company doesn't report are omitted. About these numbers
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating margin | -1.3% | -0.5% | |
| Net margin | -2.2% | 0.8% | |
| Return on capital employed | -3.5% | -1.3% | |
| Gearing (liabilities / total assets) | 25.0% | 36.8% | |
| Current ratio | 3.63x | 2.47x |
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 3 times since incorporation
- HUB FINANCIAL SOLUTIONS LIMITED 2017-07-03 → present
- JUST RETIREMENT SOLUTIONS LIMITED 2006-09-08 → 2017-07-03
- JUST RETIREMENT (PROPERTIES) LIMITED 2004-07-23 → 2006-09-08
- JUST RETIREMENT LIMITED 2004-05-12 → 2004-07-23
Audit & accounting basis
- Accounting basis
- IFRS
- Reporting scope
- Standalone (parent only)
- Auditor
- PricewaterhouseCoopers LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The financial statements have been prepared on a going concern basis which the directors consider to be appropriate... directors are confident that the Company will have sufficient funds to continue to meet its liabilities as they fall due for at least 12 months from the date of approval of the financial statements...”
Significant events
- “On 19 September 2025, Just Group plc announced shareholder approval of a recommended cash offer by BWS. Subsequently on 23 March 2026, Just Group plc announced that the Scheme is expected to become Effective on 1 April 2026.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
4 active · 44 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| WYSE, Anna | Secretary | 2026-05-01 | — | — |
| BHALLA, Shashank | Director | 2026-04-01 | Mar 1986 | British |
| JAMAL, Arshil | Director | 2026-04-01 | Sep 1967 | Canadian |
| OLDHAM, Frank Trevor | Director | 2026-04-01 | Apr 1961 | British |
Show 44 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| HUMPHREYS, Craig | Secretary | 2010-07-12 | 2011-06-24 |
| MCKELVIE, Andrew Laurence | Secretary | 2004-05-12 | 2006-10-24 |
| O'HARA, Simon Andrew | Secretary | 2016-04-19 | 2019-03-15 |
| SMITH, Martin Charles | Secretary | 2011-08-15 | 2016-04-19 |
| THOMAS, Simon | Secretary | 2011-06-24 | 2011-08-15 |
| WATERS, Paul | Secretary | 2019-03-15 | 2019-04-26 |
| WATSON, Simon Donald | Secretary | 2020-01-29 | 2026-05-01 |
| WELCH, Gaynor Jill | Secretary | 2006-10-24 | 2009-09-30 |
| WHITEHEAD, David | Secretary | 2019-04-26 | 2020-01-29 |
| JUST RETIREMENT SOLUTIONS LIMITED | Corporate Secretary | 2009-09-30 | 2009-09-30 |
| SWIFT INCORPORATIONS LIMITED | Corporate Nominee Secretary | 2004-05-12 | 2004-05-12 |
| AVERY, Kate | Director | 2013-10-09 | 2016-04-04 |
| AVERY, Kate | Director | 2013-10-09 | 2013-10-09 |
| CAUSER, Jason Keith | Director | 2021-08-25 | 2023-01-05 |
| CAUSER, Jason Keith | Director | 2021-01-21 | 2021-01-21 |
| COOK, Rodney Malcolm | Director | 2010-07-05 | 2016-04-04 |
| COOPER, David Paul | Director | 2007-03-19 | 2026-04-24 |
| CORMACK, Ian Donald | Director | 2016-04-04 | 2023-01-05 |
| CRACKNELL, Michelle Ann | Director | 2023-01-05 | 2026-04-01 |
| CROSS BROWN, Tom | Director | 2010-05-26 | 2016-04-04 |
| DEAKIN, Michael John | Director | 2014-04-30 | 2019-07-15 |
| DEIGHTON, Shayne Paul | Director | 2010-05-26 | 2016-04-04 |
| FRASER, James Annand | Director | 2010-03-18 | 2016-04-04 |
| FULLER, Michael John | Director | 2006-08-03 | 2010-07-02 |
| GRAY, Simon John | Director | 2017-10-25 | 2018-06-08 |
| HALES, Peter Robert | Director | 2006-12-04 | 2010-05-31 |
| HASTINGS-BASS, John Peter | Director | 2023-01-05 | 2025-04-30 |
| HAYNES, William Paul Glen | Director | 2006-09-01 | 2007-07-16 |
| JONES, Keith | Director | 2010-05-26 | 2014-04-30 |
| KENNEDY, Jane Anne | Director | 2016-04-04 | 2017-06-30 |
| KYLE, Steven William Barnes | Director | 2006-08-03 | 2016-04-04 |
| MCKELVIE, Andrew Laurence | Director | 2004-05-12 | 2006-08-03 |
| MELCHER, Andrew Stephen | Director | 2016-04-04 | 2022-12-31 |
| MELVIN, Clifton Adrian | Director | 2010-05-26 | 2013-10-09 |
| NICHOLSON, Keith | Director | 2013-10-09 | 2021-12-31 |
| OFFEN, Giles | Director | 2016-04-04 | 2023-12-12 |
| OWEN, Arthur Leslie | Director | 2010-05-26 | 2014-11-25 |
| PERKS, John Trevor | Director | 2023-01-01 | 2026-04-01 |
| PETERS, Ralph Michael | Director | 2006-12-04 | 2010-05-31 |
| PETTITT, Paul David | Director | 2019-10-15 | 2023-01-05 |
| SHERWOOD, Charles Nigel Cross | Director | 2010-03-18 | 2013-11-11 |
| SPOTTISWOODE, Clare Mary Joan | Director | 2016-04-04 | 2022-05-10 |
| THOMAS, Simon George | Director | 2006-10-24 | 2016-04-04 |
| WELCH, Gaynor Jill | Director | 2004-05-12 | 2006-08-03 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Just Retirement (Holdings) Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Active |
Filing timeline
Last 20 of 222 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-05-08 | TM01 | officers | Termination director company with name termination date | |
| 2026-05-08 | AP03 | officers | Appoint person secretary company with name date | |
| 2026-05-08 | TM02 | officers | Termination secretary company with name termination date | |
| 2026-05-07 | AP01 | officers | Appoint person director company with name date | |
| 2026-04-13 | AA | accounts | Accounts with accounts type full | |
| 2026-04-09 | TM01 | officers | Termination director company with name termination date | |
| 2026-04-09 | TM01 | officers | Termination director company with name termination date | |
| 2026-04-09 | AP01 | officers | Appoint person director company with name date | |
| 2026-04-09 | AP01 | officers | Appoint person director company with name date | |
| 2025-06-26 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-04-30 | TM01 | officers | Termination director company with name termination date | |
| 2025-04-23 | AA | accounts | Accounts with accounts type full | |
| 2024-11-26 | PSC05 | persons-with-significant-control | Change to a person with significant control | |
| 2024-06-24 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-05-19 | AA | accounts | Accounts with accounts type full | |
| 2023-12-12 | TM01 | officers | Termination director company with name termination date | |
| 2023-06-14 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-06-14 | SH01 | capital | Capital allotment shares | |
| 2023-05-24 | AA | accounts | Accounts with accounts type full | |
| 2023-03-15 | RP04AP01 | officers | Second filing of director appointment with name |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 10
- Capital events
- 0
- Officers appointed
- 4
- Officers resigned
- 4
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.