NUCLEUS FINANCIAL PLATFORMS LIMITED
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Cash
—
Latest balance sheet
Net assets
£662m
-0.5% vs 2024
Employees
1,148
+6.7% vs 2024
Profit before tax
£62m
+22.3% highest in 3 filed years
Net assets
3-year trend · vs Industrials 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 |
|---|---|---|---|---|---|
| Gross written premiums | — | £174,558,000 | £132,422,000 | -24.1% | |
| Net earned premiums | — | — | — | — | |
| Claims incurred | — | — | — | — | |
| Investment return | — | £316,365,000 | £378,316,000 | +19.6% | |
| Profit before tax | £46,971,000 | £50,325,000 | £61,523,000 | +22.3% | |
| Net profit | £44,526,000 | £57,954,000 | £58,998,000 | +1.8% | |
| Insurance contract liabilities | — | £3,599,933,000 | £3,639,503,000 | +1.1% | |
| Total assets | £4,226,468,000 | — | — | — | |
| Total liabilities | £3,679,435,000 | — | — | — | |
| Equity | £547,033,000 | £665,099,000 | £662,039,000 | -0.5% | |
| Average employees | 1,449 | 1,076 | 1,148 | +6.7% |
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 |
|---|---|---|---|---|
| Operating margin | 38.4% | 33.3% | — | |
| Net margin | 28.3% | 26.6% | — | |
| Return on capital employed | 1.5% | 1.7% | — | |
| Gearing (liabilities / total assets) | 87.1% | — | — | |
| Current ratio | 4.07x | 4.66x | — |
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
- NUCLEUS FINANCIAL PLATFORMS LIMITED 2021-12-23 → present
- IFG UK HOLDINGS LIMITED 2007-07-25 → 2021-12-23
- CLEAN UP LIMITED 2006-12-19 → 2007-07-25
Audit & accounting basis
- Accounting basis
- IFRS
- Reporting scope
- Consolidated group
- Auditor
- Deloitte LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“Based on the assessment above, the Directors are satisfied that the Group and Company will have sufficient current financial resources to continue to operate and to meet its financial obligations as they fall due, for at least the 12 months from the date of approval of these Financial Statements.”
Group structure
- NUCLEUS FINANCIAL PLATFORMS LIMITED · parent
- IFG UK Group Holdings Limited 100%
- IPS Pensions Limited 100%
- James Hay Holdings Limited 100%
- Nucleus Clyde Acquisition Limited 100%
- The IPS Partnership Limited 100%
- Curtis Banks Group Limited 100%
- Curtis Banks Limited 100%
- Suffolk Life Group Limited 100%
- Suffolk Life Annuities Limited 100%
- Dunstan Thomas Group Limited 100%
- Third Financial Ltd. 100%
- Third Financial Software Limited 100%
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
11 active · 28 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| WAKEFORD, Helen Mary | Secretary | 2026-02-04 | — | — |
| BLAIR, Jake Anthony | Director | 2022-09-21 | Aug 1975 | American |
| BRAGG, Alison Gail | Director | 2025-07-14 | Apr 1961 | British |
| CLARKSON, Alastair James | Director | 2025-07-08 | Feb 1966 | British |
| CONRAN, Roisin | Director | 2022-09-21 | Jan 1991 | British |
| FRENCH, Scot Powell | Director | 2022-09-21 | Oct 1970 | American |
| HOSKINS, Richard | Director | 2022-12-02 | Aug 1964 | British |
| RILEY, Cathryn Elizabeth | Director | 2024-05-01 | Apr 1962 | British |
| RING, Andrew John | Director | 2025-10-15 | Jun 1983 | British |
| ROWNEY, Richard Alexander | Director | 2021-08-06 | Nov 1970 | British |
| WILSON, Gordon Alexander | Director | 2022-11-11 | Jun 1966 | British |
Show 28 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BRUCE, Michelle | Secretary | 2022-01-01 | 2025-02-01 |
| DIXIE, Alice Sian Rhiannon | Secretary | 2025-02-01 | 2025-12-15 |
| DIXIE, Alice Sian Rhiannon | Secretary | 2020-06-01 | 2022-01-01 |
| JONES, Clifford Spencer | Secretary | 2006-12-19 | 2009-12-04 |
| PETHERICK, Louis | Secretary | 2025-12-15 | 2026-02-04 |
| BEALE, Richard Andrew | Director | 2009-12-07 | 2019-04-04 |
| BOGARD, Mark Alexander | Director | 2007-07-18 | 2011-05-17 |
| BOURKE, Mark George | Director | 2011-05-25 | 2014-04-25 |
| BOUSFIELD, Clare Jane | Director | 2024-07-01 | 2025-06-30 |
| CONWAY, Alastair | Director | 2020-08-28 | 2020-12-14 |
| COTTER, John Anthony | Director | 2016-09-13 | 2018-04-17 |
| DAVIDSON, Judith Mary | Director | 2022-12-16 | 2024-05-01 |
| DE BRETTON PRIESTLEY, William | Director | 2022-09-21 | 2023-01-11 |
| DEARSLEY, Arthur Mark | Director | 2022-09-21 | 2022-11-11 |
| FILSHIE, Alexander | Director | 2024-01-03 | 2024-12-20 |
| GANGEMI, Mary | Director | 2019-04-04 | 2020-03-31 |
| HOWARD, Gavin | Director | 2020-02-13 | 2022-09-12 |
| JONES, Clifford Spencer | Director | 2007-11-15 | 2009-12-04 |
| LAWRIE, John Francis | Director | 2008-05-21 | 2012-06-27 |
| MCNAMARA, Paul Gerard | Director | 2015-03-16 | 2016-09-13 |
| O'REILLY, Conleth | Director | 2014-03-11 | 2015-12-31 |
| PAIGE, David Victor | Director | 2022-09-21 | 2022-12-02 |
| PURVES, Kathryn Elizabeth | Director | 2022-09-21 | 2024-06-07 |
| PURVES, Kathryn Elizabeth | Director | 2018-04-18 | 2020-03-31 |
| REGAN, Michael Robert | Director | 2022-09-12 | 2024-01-03 |
| SARGISSON, Timothy Charles | Director | 2011-05-25 | 2014-09-05 |
| TAYLOR, Matthew James | Director | 2020-02-13 | 2022-09-21 |
| WATSON, John Anderson Scotland | Director | 2006-12-19 | 2015-04-07 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Ifg Group Plc | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Ceased 2019-09-04 |
| Ifg Group Limited | Corporate entity | Shares 75–100% | 2016-04-06 | Ceased 2016-04-06 |
Filing timeline
Last 20 of 169 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-09-17 | AA | accounts | Accounts with accounts type group | |
| 2026-06-17 | CH01 | officers | Change person director company with change date | |
| 2026-04-29 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2026-04-28 | RP01AP01 | officers | Replacement filing of director appointment with name | |
| 2026-03-28 | RP01AP01 | officers | Replacement filing of director appointment with name | |
| 2026-03-04 | CH01 | officers | Change person director company with change date | |
| 2026-02-11 | AP03 | officers | Appoint person secretary company with name date | |
| 2026-02-11 | TM02 | officers | Termination secretary company with name termination date | |
| 2026-01-12 | AP03 | officers | Appoint person secretary company with name date | |
| 2026-01-07 | TM02 | officers | Termination secretary company with name termination date | |
| 2025-10-29 | AP01 | officers | Appoint person director company with name date | |
| 2025-09-26 | AA | accounts | Accounts with accounts type group | |
| 2025-07-31 | AP01 | officers | Appoint person director company with name date | |
| 2025-07-29 | AP01 | officers | Appoint person director company with name date | |
| 2025-07-04 | TM01 | officers | Termination director company with name termination date | |
| 2025-03-06 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-02-06 | AP03 | officers | Appoint person secretary company with name date | |
| 2025-02-03 | TM02 | officers | Termination secretary company with name termination date | |
| 2025-01-31 | AD01 | address | Change registered office address company with date old address new address | |
| 2025-01-23 | AD01 | address | Change registered office address company with date old address new address |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 11
- 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.