MY PENSION EXPERT LIMITED
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Cash
£2.4m
+162,559.9% vs 2024
Net assets
£19m
+93.8% highest in 6 filed years
Employees
124
+27.8% highest in 6 filed years
Profit before tax
£9.9m
+408.9% highest in 3 filed years
Net assets
6-year trend · vs Financials median
Accounts
6-year trend · Δ = latest vs prior filed period · latest reflected 2025-12-31
| Metric | Trend | 2020-12-31 | 2021-12-31 | 2022-12-31 | 2023-12-31 | 2024-12-31 | 2025-12-31 | Δ vs prior |
|---|---|---|---|---|---|---|---|---|
| Turnover | — | — | — | £12,557,382 | £17,524,547 | £25,948,496 | +48.1% | |
| Operating profit | — | — | — | £1,496,081 | £2,020,282 | £10,055,404 | +397.7% | |
| Profit before tax | — | — | — | £775,058 | £1,948,358 | £9,915,967 | +408.9% | |
| Net profit | — | £1,002,117 | £1,439,664 | £639,717 | £1,912,863 | £9,397,676 | +391.3% | |
| Cash | £469,377 | £553,916 | £2,628,998 | £978,012 | £1,492 | £2,426,885 | +162,559.9% | |
| Total assets less current liabilities | £1,698,658 | £2,670,872 | £7,466,097 | £8,361,753 | £10,310,111 | £21,313,989 | +106.7% | |
| Net assets | £1,230,002 | £2,232,119 | £7,466,097 | £8,105,814 | £10,018,677 | £19,416,353 | +93.8% | |
| Equity | £1,230,002 | £2,232,119 | £7,466,097 | £8,105,814 | £10,018,677 | £19,416,353 | +93.8% | |
| Average employees | 58 | 57 | 71 | 81 | 97 | 124 | +27.8% | |
| Wages | — | — | — | £3,393,100 | £4,604,363 | £6,142,518 | +33.4% | |
| Directors' remuneration | — | — | — | £475,048 | £560,996 | £862,116 | +53.7% | |
| Directors' pension contributions | £NaN | £NaN | £NaN | £10,007 | £13,399 | £33,405 | +149.3% | |
| Highest paid director | £NaN | £NaN | £NaN | — | £153,767 | £196,967 | +28.1% |
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 | 2020-12-31 | 2021-12-31 | 2022-12-31 | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|---|---|---|
| Operating margin | — | — | — | 11.9% | 11.5% | 38.8% | |
| Net margin | — | — | — | 5.1% | 10.9% | 36.2% | |
| Return on capital employed | — | — | — | 17.9% | 19.6% | 47.2% | |
| Gearing (liabilities / total assets) | 60.3% | 40.0% | 14.7% | 20.1% | 33.8% | 30.9% | |
| Current ratio | — | — | — | 5.12x | 2.15x | 2.87x | |
| Interest cover | — | — | — | 22.70x | 19.59x | 65.22x |
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)
- Auditor
- Cooper Parry Group Limited
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“In auditing the financial statements, we have concluded that the directors' use of the going concern basis of accounting in the preparation of the financial statements is appropriate. Based on the work we have performed, we have not identified any material uncertainties relating to events or conditions that, individually or collectively, may cast significant doubt on the Company's ability to continue as a going concern for a period of at least twelve months from when the financial statements are authorised for issue.”
Significant events
- “Post year end, the Company has already completed one book deal.”
- “On 25 April 2025, a composite cross company guarantee structure was re-financed between Project Impetus TopCo Limited, Project Impetus BidCo Limited, My Money Expert Limited, My Pension Expert Limited and Lead Management Services Limited.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
9 active · 9 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| COOPER, Simon Darryl | Director | 2025-03-10 | Aug 1983 | British |
| DUNLOP, Bernadette Teresa | Director | 2022-08-01 | Aug 1969 | Irish |
| MEGSON, Andrew Peter | Director | 2017-06-29 | May 1963 | British |
| MEGSON, Lily | Director | 2022-09-05 | Jun 1993 | British |
| SIMPSON, Kyle | Director | 2025-08-22 | Jan 1987 | British |
| STATHER, Katie | Director | 2025-08-22 | Sep 1991 | British |
| STEWART, Alistair James | Director | 2023-07-31 | Jan 1985 | British |
| STRONG, Andrew Jonathan Peter | Director | 2023-01-23 | Oct 1964 | British |
| TURNER, Naomi | Director | 2025-08-22 | Apr 1982 | British |
Show 9 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BINNS, Andrew | Director | 2011-05-09 | 2017-12-31 |
| DARLINGTON, Julie | Director | 2022-10-31 | 2023-10-13 |
| ENGLISH, Craig Daniel | Director | 2020-03-11 | 2023-07-31 |
| GREEN, Daniel | Director | 2021-03-22 | 2023-07-21 |
| METCALFE, Aaron Lee | Director | 2021-03-22 | 2022-11-25 |
| MORRALL, Richard James | Director | 2015-09-23 | 2019-08-28 |
| MULLEN, Scott | Director | 2015-11-09 | 2017-10-25 |
| PADWICK-GRAHAM, Emma | Director | 2022-11-01 | 2023-04-21 |
| TERRY, Jonathan Mark | Director | 2018-04-25 | 2020-02-24 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| My Money Expert Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2020-02-25 | Active |
| My Expert Holdings Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors, Significant influence (as firm) | 2016-04-06 | Ceased 2020-02-25 |
Filing timeline
Last 20 of 83 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-08-10 | AA | accounts | Accounts with accounts type full | |
| 2026-07-17 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2026-07-08 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2026-07-05 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-09-30 | AUD | auditors | Auditors resignation company | |
| 2025-09-01 | AP01 | officers | Appoint person director company with name date | |
| 2025-09-01 | AP01 | officers | Appoint person director company with name date | |
| 2025-09-01 | AP01 | officers | Appoint person director company with name date | |
| 2025-06-30 | AA | accounts | Accounts with accounts type full | |
| 2025-05-06 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-04-29 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2025-04-24 | PSC05 | persons-with-significant-control | Change to a person with significant control | |
| 2025-03-25 | AP01 | officers | Appoint person director company with name date | |
| 2024-09-11 | AA | accounts | Accounts with accounts type full | |
| 2024-05-30 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2024-05-09 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-05-09 | AP01 | officers | Appoint person director company with name date | |
| 2023-12-21 | AA | accounts | Accounts with accounts type small | |
| 2023-11-20 | TM01 | officers | Termination director company with name termination date | |
| 2023-08-04 | CH01 | officers | Change person director company with change date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 8
- Capital events
- 0
- Officers appointed
- 0
- 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.