PAYMENT CARD SOLUTIONS (UK) LIMITED
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Cash
£85m
-1.1% vs 2024
Net assets
£7.7m
+8.3% highest in 5 filed years
Employees
57
-35.2% vs 2024
Profit before tax
£288k
-66.8% first positive since 2020
Net assets
5-year trend · vs Technology median
Accounts
5-year trend · Δ = latest vs prior filed period · latest reflected 2025-12-31
| Metric | Trend | 2020-12-31 | 2021-12-31 | 2023-12-31 | 2024-12-31 | 2025-12-31 | Δ vs prior |
|---|---|---|---|---|---|---|---|
| Turnover | £2,709,363 | £3,729,995 | £19,100,859 | £18,480,793 | £21,333,549 | +15.4% | |
| Operating profit | -£21,302 | £47,642 | £1,799,245 | £842,050 | £287,589 | -65.8% | |
| Profit before tax | -£44,204 | £11,362 | £1,839,470 | £865,459 | £287,594 | -66.8% | |
| Net profit | £139,314 | £30,880 | £1,739,328 | £825,416 | £272,263 | -67% | |
| Cash | £11,952,017 | £14,640,312 | £58,885,961 | £85,830,881 | £84,852,686 | -1.1% | |
| Total assets less current liabilities | £2,806,050 | £2,497,570 | £5,796,893 | £7,172,291 | £7,777,257 | +8.4% | |
| Net assets | £1,903,686 | £1,699,044 | £5,772,210 | £7,107,565 | £7,697,200 | +8.3% | |
| Equity | £1,903,686 | £1,699,044 | £5,772,210 | £7,107,565 | £7,697,200 | +8.3% | |
| Average employees | 25 | 30 | 67 | 88 | 57 | -35.2% | |
| Wages | — | — | £5,265,834 | £6,356,334 | £3,669,741 | -42.3% | |
| Directors' remuneration | — | — | £1,167,084 | £851,947 | £560,263 | -34.2% |
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 | 2020-12-31 | 2021-12-31 | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|---|---|
| Operating margin | -0.8% | 1.3% | 9.4% | 4.6% | 1.3% | |
| Net margin | 5.1% | 0.8% | 9.1% | 4.5% | 1.3% | |
| Return on capital employed | -0.8% | 1.9% | 31.0% | 11.7% | 3.7% | |
| Gearing (liabilities / total assets) | — | — | — | 92.4% | 91.5% | |
| Current ratio | — | — | 1.04x | 1.08x | 1.09x | |
| Interest cover | -0.90x | 1.28x | — | — | — |
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
- Kirk Rice LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“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.”
Significant events
- “The parent company and its subsidiary companies was acquired by BC Midco Pte, Ltd on 29th December 2022.”
- “Following the acquisition B4B has successfully expanded its BaaS product offering utilising the banking facilities of the Banking Circle Group.”
- “The B4B Card Operating on 31st December 2024 and the TUPE of the technical teams on 1st January 2025 were transferred to Payment Card Solutions Group Limited.”
- “A BIN Sponsorship client closed down their UK product offering during 2025, which mainly attributable to a 10% decline in the value of card activity processed with MasterCard.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
5 active · 5 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| GULATI, Disha | Secretary | 2025-08-11 | — | — |
| BENISTY, Livia | Director | 2024-06-10 | Nov 1983 | British |
| HENSBY, Olivier Simon | Director | 2024-01-02 | May 1982 | British |
| JENNINGS, Thomas Michael Richard | Director | 2023-01-04 | Jun 1981 | British |
| SWINTON, Paul John | Director | 2006-09-20 | Jul 1973 | British |
Show 5 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| ANDERSON, Robert | Secretary | 2006-09-20 | 2006-11-08 |
| SWINTON, Paul John | Secretary | 2006-11-08 | 2025-08-11 |
| ANDERSON, Robert William | Director | 2006-11-02 | 2025-02-28 |
| BARNES, Peter Anthony | Director | 2020-06-16 | 2022-12-31 |
| DAY, Robin Alan | Director | 2006-11-02 | 2009-01-08 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Mr Paul Swinton | Individual | Voting 50–75% | 2016-04-27 | Ceased 2022-12-29 |
| Mr Robert William Anderson | Individual | Voting 25–50% | 2016-04-27 | Ceased 2022-12-29 |
| Payment Card Solutions Group Ltd | Corporate entity | Shares 75–100%, Voting 75–100% | 2016-04-27 | Active |
Filing timeline
Last 20 of 110 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-07-31 | AA | accounts | Accounts with accounts type full | |
| 2026-07-05 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2026-03-09 | CH01 | officers | Change person director company with change date | |
| 2026-03-09 | CH01 | officers | Change person director company with change date | |
| 2025-10-03 | CH01 | officers | Change person director company with change date | |
| 2025-10-03 | CH01 | officers | Change person director company with change date | |
| 2025-09-24 | AA | accounts | Accounts with accounts type full | |
| 2025-08-13 | AP03 | officers | Appoint person secretary company with name date | |
| 2025-08-13 | TM02 | officers | Termination secretary company with name termination date | |
| 2025-07-09 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-07-02 | AD02 | address | Change sail address company with old address new address | |
| 2025-03-06 | TM01 | officers | Termination director company with name termination date | |
| 2024-12-10 | AD01 | address | Change registered office address company with date old address new address | |
| 2024-07-01 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2024-06-10 | AP01 | officers | Appoint person director company with name date | |
| 2024-05-20 | AA | accounts | Accounts with accounts type full | |
| 2024-02-08 | RP04SH01 | capital | Second filing capital allotment shares | |
| 2024-01-31 | SH01 | capital | Capital allotment shares | |
| 2024-01-15 | AP01 | officers | Appoint person director company with name date | |
| 2023-11-22 | AA | accounts | Accounts with accounts type full |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 9
- Capital events
- 0
- Officers appointed
- 1
- Officers resigned
- 1
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.