PEPPER GROUP ANZ HOLDCO LIMITED
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Cash
£7.8k
AUD 15,637
+275.3% highest in 3 filed years
Net assets
£204m
AUD 411,038,321
-3.8% first positive since 2023
Employees
—
Average over period
Profit before tax
£22m
AUD 45,198,425
+266.5% highest in 3 filed years
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
1 PSC ceased in last 24 months
Significant control changed hands — see the Ownership section.
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 | — | — | — | — | |
| Operating profit | — | £13,659,197 | £34,629,899 | +153.5% | |
| Profit before tax | -£38,978,083 | -£13,469,939 | £22,433,207 | +266.5% | |
| Net profit | -£39,969,584 | -£5,924,355 | £24,965,922 | +521.4% | |
| Cash | £1,584 | £2,068 | £7,761 | +275.3% | |
| Total assets less current liabilities | -£31,601,635 | £212,097,175 | £204,009,490 | -3.8% | |
| Net assets | -£31,601,635 | £212,097,175 | £204,009,490 | -3.8% | |
| Equity | -£31,601,635 | £212,097,175 | £204,009,490 | -3.8% | |
| Average employees | 0 | 0 | — | — | |
| Wages | — | — | — | — | |
| Directors' remuneration | £0 | £0 | — | — | |
| Directors' pension contributions | £0 | £0 | — | — | |
| Highest paid director | £0 | £0 | — | — |
Figures converted to GBP from AUD at 0.496 per AUD (Frankfurter spot rate) — hover any figure for the original. — 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 |
|---|---|---|---|---|
| Return on capital employed | — | 6.4% | 17.0% | |
| Gearing (liabilities / total assets) | 107.4% | 47.1% | 49.7% | |
| Current ratio | 0.12x | 0.32x | 0.31x | |
| Interest cover | — | 0.43x | 2.03x |
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
- PEPPER GROUP ANZ HOLDCO LIMITED 2019-10-23 → present
- ENGAGE CREDIT LIMITED 2014-02-04 → 2019-10-23
- ENGAGE CREDIT SERVICES LIMITED 2008-03-29 → 2014-02-04
Audit & accounting basis
- Accounting basis
- IFRS
- Reporting scope
- Standalone (parent only)
- Auditor
- Deloitte LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The Directors have a reasonable expectation that the Company has adequate resources to continue in operational existence for the foreseeable future. For this reason, they intend to continue trading and adopt the going concern basis in preparing the financial statements.”
Group structure
- PEPPER GROUP ANZ HOLDCO LIMITED · parent
- Pepper Money Limited Australia 60%
- Pepper Group Services (Australia) Pty Limited 100%
Significant events
- “On 14 April 2026, the Company received a dividend of $20,772,168 from PML, representing $0.078 per share on 266,309,851 shares held.”
- “On 28 May 2026, the Company declared a dividend of the same amount to Midco.”
- “On 5 June 2026, the Company received a total distribution of $104,884,818 from Pepper Group Services (Australia) Pty Limited, comprising a capital return of $98,000,000 and a dividend of $6,884,818.”
- “On 28 May 2026, the Company capitalised $413,751,274 of intercompany payables to Midco. The Company issued 287,427,075 ordinary shares of 1.4395 each to Midco to settle the equivalent outstanding intercompany payable.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
4 active · 13 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| KEEBLE, Anthony John, Mr. | Director | 2026-01-14 | Jan 1970 | British |
| LANSDOWNE, Roger Stephen, Mr. | Director | 2026-01-14 | Sep 1962 | British |
| MASON, Ryan James | Director | 2024-03-01 | Jun 1990 | Australian |
| MOREY, Laurence | Director | 2023-10-01 | Jun 1974 | British |
Show 13 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| LANSDOWNE, Roger Stephen | Secretary | 2008-03-31 | 2021-04-15 |
| HCS SECRETARIAL LIMITED | Corporate Secretary | 2008-03-29 | 2008-03-31 |
| CULHANE, Michael Charles | Director | 2019-10-22 | 2024-01-01 |
| CULHANE, Michael Charles | Director | 2008-03-31 | 2010-10-31 |
| DAY, Andrew David | Director | 2019-12-05 | 2023-01-24 |
| GEMMELL, Fraser Mcleod, Dr | Director | 2022-03-28 | 2025-02-17 |
| HOGG, Stephen Andrew | Director | 2008-03-31 | 2011-09-23 |
| HOTCHKIN, Simon John | Director | 2019-10-22 | 2021-09-30 |
| KLEMMER, Richard Eugene | Director | 2021-02-17 | 2022-01-01 |
| KLEMMER, Richard Eugene | Director | 2008-03-31 | 2020-01-01 |
| MILLER, Jason Jones | Director | 2008-03-31 | 2010-04-30 |
| WHITE, James Mark | Director | 2008-03-31 | 2019-10-22 |
| HANOVER DIRECTORS LIMITED | Corporate Director | 2008-03-29 | 2008-03-31 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Kkr & Co. Inc. | Corporate entity | Shares 50–75%, Voting 50–75% | 2025-11-05 | Active |
| Pepper Global Midco Limited | Corporate entity | Shares 75–100%, Voting 75–100% | 2025-04-17 | Ceased 2025-11-05 |
| Pepper European Servicing Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Ceased 2021-03-11 |
Filing timeline
Last 20 of 121 total filings
Material constitutional events — rename, articles re-file, resolution
- 2024-12-16 RESOLUTIONS Resolution
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-08-05 | AA | accounts | Accounts with accounts type full | |
| 2026-06-26 | SH01 | capital | Capital allotment shares | |
| 2026-04-01 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2026-02-02 | AP01 | officers | Appoint person director company with name date | |
| 2026-02-02 | AP01 | officers | Appoint person director company with name date | |
| 2025-11-11 | PSC07 | persons-with-significant-control | Cessation of a person with significant control | |
| 2025-11-11 | PSC02 | persons-with-significant-control | Notification of a person with significant control | |
| 2025-10-02 | AA | accounts | Accounts with accounts type full | |
| 2025-05-14 | PSC02 | persons-with-significant-control | Notification of a person with significant control | |
| 2025-05-14 | PSC09 | persons-with-significant-control | Withdrawal of a person with significant control statement | |
| 2025-04-16 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2025-04-16 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2025-04-04 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2025-02-28 | TM01 | officers | Termination director company with name termination date | |
| 2024-12-16 | SH19 | capital | Capital statement capital company with date currency figure | |
| 2024-12-16 | SH20 | capital | Legacy | |
| 2024-12-16 | CAP-SS | insolvency | Legacy | |
| 2024-12-16 | RESOLUTIONS | resolution | Resolution | |
| 2024-11-20 | SH01 | capital | Capital allotment shares | |
| 2024-10-14 | AA | accounts | Accounts with accounts type full |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 8
- Capital events
- 4
- Officers appointed
- 2
- Officers resigned
- 0
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.