CONSUMER CREDIT COUNSELLING SERVICE (EQUITY RELEASE) LIMITED
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Next accounts due
2026-09-30 (in 4mo)
Last filed for 2024-12-31
Confirmation statement due
2026-11-19 (in 6mo)
Last made up 2025-11-05
Watchouts
Cash
£116K
-70.5% vs 2023
Net assets
-£309K
-89.7% vs 2023
Employees
13
-31.6% vs 2023
Profit before tax
-£146K
+49.1% vs 2023
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
Material uncertainty over going concern
Following the losses in the last two years and the continued difficult trading conditions, the directors decided in April 2025 to discontinue operations. The company has agreed with its parent company that this will be conducted as an orderly wind-down with parent company support.
Net assets
2-year trend · vs Financials median
Accounts
2-year trend · latest reflected 2024-12-31
| Metric | Trend | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Turnover | £578,171 | £487,953 | |
| Operating profit | -£286,905 | -£146,145 | |
| Profit before tax | -£286,905 | -£146,145 | |
| Net profit | -£286,905 | -£146,145 | |
| Cash | £391,987 | £115,541 | |
| Total assets less current liabilities | -£162,846 | -£308,991 | |
| Net assets | -£162,846 | -£308,991 | |
| Equity | -£162,846 | -£308,991 | |
| Average employees | 19 | 13 | |
| Wages | £647,178 | £455,790 | |
| 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
FY2023 → FY2024 · period ending 2024-12-31 vs 2023-12-31
-
Turnover
-15.6%
£578,171 £487,953
-
Cash
-70.5%
£391,987 £115,541
-
Net assets
-89.7%
-£162,846 -£308,991
-
Employees
-31.6%
19 13
-
Operating profit
+49.1%
-£286,905 -£146,145
-
Profit before tax
+49.1%
-£286,905 -£146,145
-
Wages
-29.6%
£647,178 £455,790
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 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Operating margin | -49.6% | -30.0% | |
| Net margin | -49.6% | -30.0% | |
| Return on capital employed | 176.2% | 47.3% | |
| Current ratio | — | 0.34x |
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)
- Abridged
- Yes — abridged accounts (limited disclosure)
- Auditor
- PKF Littlejohn LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Material uncertainty disclosed
“Following the losses in the last two years and the continued difficult trading conditions, the directors decided in April 2025 to discontinue operations. The company has agreed with its parent company that this will be conducted as an orderly wind-down with parent company support.”
Significant events
- “Following the losses in the last two years and the continued difficult trading conditions, the directors decided in April 2025 to discontinue operations. The company has agreed with its parent company that this will be conducted as an orderly wind-down with parent company support.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
4 active · 19 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| SMITH, Catherine Jennifer | Secretary | 2024-05-14 | — | — |
| BROWNRIDGE, Vikki Joanne | Director | 2023-06-15 | Oct 1976 | British |
| CLIFT, Martin | Director | 2025-02-26 | May 1969 | British |
| KLIMAYTYS, Yvonne Jean | Director | 2022-03-01 | Mar 1958 | British |
Show 19 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BRADFORD, Rachel Julia | Secretary | 2014-10-31 | 2016-03-17 |
| LYNCH, Malcolm John | Secretary | 2008-11-05 | 2014-10-31 |
| O'CONNOR, Michael Cornelius | Secretary | 2016-03-17 | 2016-06-03 |
| SOBO-ALLEN, Femi | Secretary | 2016-06-15 | 2016-07-15 |
| ANDREW, Philip Richard | Director | 2018-03-21 | 2023-04-30 |
| BELL, Gordon | Director | 2008-11-13 | 2013-12-31 |
| BRITTEN, Richard Charles | Director | 2018-11-15 | 2025-12-31 |
| COATES, David Raiffe | Director | 2009-06-09 | 2009-11-04 |
| GREEN, Joanna Elizabeth Louise | Director | 2008-11-05 | 2008-11-13 |
| HILL, Andrew Ratcliffe | Director | 2017-09-19 | 2022-07-01 |
| HURLSTON, Malcolm | Director | 2008-11-13 | 2010-12-20 |
| LANE, Richard Stephen | Director | 2021-09-27 | 2025-02-26 |
| MCKENZIE, Richard James | Director | 2018-06-29 | 2021-08-13 |
| MEGAW, Fiona Ann | Director | 2015-10-31 | 2021-04-30 |
| NICHOLSON, Stephen John | Director | 2010-02-26 | 2015-10-31 |
| O'CONNOR, Michael Cornelius | Director | 2014-06-24 | 2017-11-17 |
| PHILLIPS, Ian Andrew | Director | 2022-03-01 | 2023-06-30 |
| SHANNON, Richard | Director | 2017-07-07 | 2018-10-04 |
| STEVENSON, Robert Wilfrid, Lord Stevenson Of Balmacara | Director | 2011-09-29 | 2015-03-31 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Foundation For Credit Counselling | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Active |
Filing timeline
Last 20 of 96 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-05-12 | GAZ1(A) | gazette | Gazette notice voluntary | |
| 2026-04-29 | DS01 | dissolution | Dissolution application strike off company | |
| 2026-01-06 | TM01 | officers | Termination director company with name termination date | |
| 2025-11-27 | CH01 | officers | Change person director company with change date | |
| 2025-11-06 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-09-03 | CH01 | officers | Change person director company with change date | |
| 2025-06-06 | AA | accounts | Accounts with accounts type full | |
| 2025-02-27 | AP01 | officers | Appoint person director company with name date | |
| 2025-02-27 | TM01 | officers | Termination director company with name termination date | |
| 2024-11-06 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-07-04 | AA | accounts | Accounts with accounts type full | |
| 2024-05-21 | AP03 | officers | Appoint person secretary company with name date | |
| 2024-01-04 | CH01 | officers | Change person director company with change date | |
| 2023-11-08 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-07-03 | TM01 | officers | Termination director company with name termination date | |
| 2023-06-15 | AP01 | officers | Appoint person director company with name date | |
| 2023-05-24 | AA | accounts | Accounts with accounts type full | |
| 2023-05-01 | PSC05 | persons-with-significant-control | Change to a person with significant control | |
| 2023-05-01 | TM01 | officers | Termination director company with name termination date | |
| 2022-11-07 | CS01 | confirmation-statement | Confirmation statement with no updates |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 7
- Capital events
- 0
- Officers appointed
- 0
- 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.