PEPPER (UK) LIMITED

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

• Turnover

  +3.9%

  £35,634,000 → £37,035,000

• Cash

  +103.1%

  £844,000 → £1,714,000

• Net assets

  +49.9%

  £9,789,000 → £14,675,000

• Employees

  +3.1%

  360 → 371

• Operating profit

  +39.5%

  £4,428,000 → £6,176,000

• Profit before tax

  +10%

  £5,752,000 → £6,325,000

• Wages

  +5%

  £23,779,000 → £24,973,000

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

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.

1. PEPPER (UK) LIMITED 2014-02-04 → present
2. ENGAGE CREDIT LIMITED 2008-03-29 → 2014-02-04

Accounting basis

IFRS

Reporting scope

Standalone (parent only)

Auditor

Deloitte LLP

Audit opinion

Unqualified (clean)

Going concern

Affirmed

“Therefore, the directors have a reasonable expectation that the Company has adequate resources to continue in operational existence for a period of 12 months from the date of approval of the financial statements. For this reason, they continue to adopt the going concern basis in preparing the financial statements.”

Significant events

• “The Company left the Pepper Group on 03.03.2025, and thereafter all Pepper Money intercompanies were classified as third party.”
• “Upon sale of the business to J C Flowers in the first quarter of 2025, this scheme and any related employee loans were fully settled by PGTCL and there were no further obligations or liabilities in respect of this scheme as at 31 December 2025.”
• “One Company director resigned during the year, and the Company paid £219k as compensation in respect of the loss of office.”

Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers

Filings

15

last 12 months

Capital events

0

last 24 months

Officers appointed

2

last 12 months

Officers resigned

2

last 12 months

Direct counts from the register. No score, no rating — see the Filing timeline for the underlying events.