CURTIS BANKS LIMITED
Curtis Banks Limited is a provider and administrator of self-invested personal pensions and small self-administered schemes, operating as a wholly owned subsidiary of Nucleus Financial Platforms Limited.
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Cash
£5.9m
-59% lowest in 3 filed years
Net assets
£17m
-2.9% lowest in 3 filed years
Employees
28
-55.6% lowest in 3 filed years
Profit before tax
£11m
+56.7% highest in 3 filed years
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
5 officer resignations in last 12 months
Multiple officers have left the board recently — see the People section for who.
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 | £27,957,000 | £27,062,000 | £26,374,000 | -2.5% | |
| Operating profit | £8,125,000 | £8,204,000 | £9,628,000 | +17.4% | |
| Profit before tax | £6,216,000 | £6,840,000 | £10,718,000 | +56.7% | |
| Net profit | £5,390,000 | £6,925,000 | £9,911,000 | +43.1% | |
| Cash | £10,417,000 | £14,402,000 | £5,899,000 | -59% | |
| Total assets less current liabilities | £19,054,000 | £17,214,000 | £16,715,000 | -2.9% | |
| Net assets | £17,289,000 | £17,214,000 | £16,715,000 | -2.9% | |
| Equity | £17,289,000 | £17,214,000 | £16,715,000 | -2.9% | |
| Average employees | 265 | 63 | 28 | -55.6% | |
| Wages | £10,762,000 | £2,815,000 | £942,000 | -66.5% | |
| Directors' remuneration | £1,464,000 | £217,000 | £171,000 | -21.2% | |
| Directors' pension contributions | £4,000 | — | £1,000 | — | |
| Highest paid director | £595,000 | £69,000 | £55,000 | -20.3% |
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 | 29.1% | 30.3% | 36.5% | |
| Net margin | 19.3% | 25.6% | 37.6% | |
| Return on capital employed | 42.6% | 47.7% | 57.6% | |
| Gearing (liabilities / total assets) | 45.3% | 52.4% | 37.2% | |
| Current ratio | 1.73x | 1.66x | 2.40x |
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
- CURTIS BANKS LIMITED 2013-07-17 → present
- CURTIS BANKS PLC 2009-03-25 → 2013-07-17
- BANKS PENSIONS PLC 2008-11-26 → 2009-03-25
Audit & accounting basis
- Accounting basis
- FRS 101
- Reporting scope
- Standalone (parent only)
- Auditor
- Deloitte LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“Based on a review of the above factors, the Directors are satisfied that the Company has and will maintain sufficient resources to enable it to continue operating for at least 12 months from the date of approval of the financial statements.”
Group structure
- CURTIS BANKS LIMITED · parent
- Colston Trustees Limited 100%
- Montpelier Pension Trustees Limited 100%
- Tower Pension Trustees Limited 100%
- SPS Trustees Limited 100%
- Crescent Trustees Limited 100%
- Tower Pension (S-B) Trustees Limited 100%
- Bridgewater Pension Trustees Limited 100%
- Temple Quay Pension Trustees Limited 100%
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
6 active · 32 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| WAKEFORD, Helen Mary | Secretary | 2026-02-04 | — | — |
| CLARKSON, Alastair James | Director | 2022-12-21 | Feb 1966 | British |
| RILEY, Cathryn Elizabeth | Director | 2024-05-01 | Apr 1962 | British |
| RING, Andrew John | Director | 2025-10-01 | Jun 1983 | British |
| ROWNEY, Richard Alexander | Director | 2025-10-01 | Nov 1970 | British |
| WILSON, Gordon Alexander | Director | 2025-10-01 | Jun 1966 | British |
Show 32 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BRUCE, Michelle | Secretary | 2024-03-01 | 2025-02-01 |
| CURTIS, Rupert Morris | Secretary | 2009-05-08 | 2010-09-28 |
| DIXIE, Alice Sian Rhiannon | Secretary | 2025-02-01 | 2025-12-15 |
| MILLARD, Gemma Louise | Secretary | 2015-11-25 | 2024-02-29 |
| PETHERICK, Louis | Secretary | 2025-12-15 | 2026-02-04 |
| TARRAN, Paul James | Secretary | 2010-09-28 | 2018-05-29 |
| TARRAN, Paul James | Secretary | 2008-11-26 | 2009-05-08 |
| BANKS, Caroline Anne | Director | 2008-11-26 | 2011-02-15 |
| BANKS, Christopher Charles | Director | 2008-11-26 | 2017-12-08 |
| BARRAL, David Barclay | Director | 2022-05-26 | 2023-03-23 |
| BOUSFIELD, Clare Jane | Director | 2024-07-01 | 2025-06-30 |
| COWLAND, Dan James | Director | 2019-12-03 | 2023-12-31 |
| CURTIS, Rupert Morris | Director | 2009-06-17 | 2018-12-31 |
| DAVIDSON, Judith Mary | Director | 2023-09-26 | 2024-05-01 |
| DOCHERTY, Peter Gordon John | Director | 2023-01-10 | 2025-10-01 |
| HART, Steven Webster | Director | 2009-07-20 | 2017-10-31 |
| HOSKINS, Richard | Director | 2023-09-26 | 2025-10-01 |
| JACOBS, Anthony Jon | Director | 2016-01-18 | 2016-03-31 |
| KEEPIN, Paul Alan | Director | 2013-07-08 | 2022-05-31 |
| MACDONALD, Christopher Anthony James | Director | 2019-12-03 | 2022-05-26 |
| MORGANS, Kristian Luke | Director | 2009-07-20 | 2017-03-27 |
| PRESLEY, Nicola Marie | Director | 2013-07-08 | 2022-07-20 |
| PURVES, Kathryn Elizabeth | Director | 2023-09-26 | 2023-11-20 |
| REGAN, Michael Robert | Director | 2024-01-03 | 2025-10-01 |
| RIDGLEY, Jane Ann | Director | 2018-05-29 | 2023-05-01 |
| RODGERS, Nigel Trevor | Director | 2017-08-14 | 2022-03-31 |
| SCOTT, James Robert | Director | 2016-01-18 | 2021-07-05 |
| SELF, William Arthur | Director | 2017-08-14 | 2022-10-06 |
| STONE, Ian Charles | Director | 2016-01-18 | 2021-02-12 |
| TARRAN, Paul James | Director | 2012-12-17 | 2019-09-30 |
| TARRAN, Paul James | Director | 2008-11-26 | 2009-04-29 |
| VALENTINE, Richard Mark | Director | 2016-01-18 | 2018-04-06 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Curtis Banks Group Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Active |
Filing timeline
Last 20 of 161 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-09-17 | AA | accounts | Accounts with accounts type full | |
| 2026-06-17 | 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 | |
| 2026-01-07 | AP03 | officers | Appoint person secretary company with name date | |
| 2026-01-07 | TM02 | officers | Termination secretary company with name termination date | |
| 2025-12-02 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-10-23 | AP01 | officers | Appoint person director company with name date | |
| 2025-10-17 | TM01 | officers | Termination director company with name termination date | |
| 2025-10-15 | AP01 | officers | Appoint person director company with name date | |
| 2025-10-13 | AP01 | officers | Appoint person director company with name date | |
| 2025-10-13 | TM01 | officers | Termination director company with name termination date | |
| 2025-10-13 | TM01 | officers | Termination director company with name termination date | |
| 2025-09-29 | AA | accounts | Accounts with accounts type full | |
| 2025-07-04 | TM01 | officers | Termination director company with name termination date | |
| 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 | |
| 2025-01-27 | AD01 | address | Change registered office address company with date old address new address | |
| 2025-01-23 | PSC05 | persons-with-significant-control | Change to a person with significant control |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 13
- Capital events
- 0
- Officers appointed
- 4
- Officers resigned
- 5
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.