TPT RETIREMENT SOLUTIONS LIMITED
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Cash
£11M
+49.2% vs 2024
Net assets
£18M
+50.9% vs 2024
Employees
287
+9.1% vs 2024
Profit before tax
-£359K
-112.2% vs 2024
Net assets
2-year trend · vs Financials median
Accounts
2-year trend · Δ = latest vs prior filed period · latest reflected 2025-09-30
| Metric | Trend | 2024-09-30 | 2025-09-30 | Δ vs prior |
|---|---|---|---|---|
| Turnover | £42,635,000 | £50,773,000 | +19.1% | |
| Operating profit | £2,593,000 | -£738,000 | -128.5% | |
| Profit before tax | £2,941,000 | -£359,000 | -112.2% | |
| Net profit | £2,377,000 | -£330,000 | -113.9% | |
| Cash | £7,662,000 | £11,431,000 | +49.2% | |
| Total assets less current liabilities | £16,813,000 | £21,748,000 | +29.4% | |
| Net assets | £12,129,000 | £18,299,000 | +50.9% | |
| Equity | £12,129,000 | £18,299,000 | +50.9% | |
| Average employees | 263 | 287 | +9.1% | |
| Wages | £16,382,000 | £18,823,000 | +14.9% | |
| Directors' remuneration | £892,000 | £1,005,000 | +12.7% |
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 | 2024-09-30 | 2025-09-30 |
|---|---|---|---|
| Operating margin | 6.1% | -1.5% | |
| Net margin | 5.6% | -0.6% | |
| Return on capital employed | 15.4% | -3.4% | |
| Gearing (liabilities / total assets) | 52.1% | 41.3% | |
| Current ratio | 1.62x | 1.88x |
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
- TPT RETIREMENT SOLUTIONS LIMITED 2020-11-27 → present
- TPT RETIREMENT SOLUTIONS LTD 2017-09-05 → 2020-11-27
- SMARTER PENSIONS (TPT) LIMITED 2015-06-15 → 2017-09-05
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Consolidated group
- Auditor
- PricewaterhouseCoopers 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 and meet its liabilities and obligations for a period of not less than 12 months from the date of approval of these Financial Statements. Thus, they continue to adopt the going concern basis in preparing the Financial Statements.”
Group structure
- TPT RETIREMENT SOLUTIONS LIMITED · parent
- TPT Investment Management Limited 100%
- TPT One Limited 100%
- TPT Two Limited
Significant events
- “On 8 October 2025, the Company incorporated TPT CDC Trustee Limited, the corporate Trustee for the CDC scheme. TPT CDC Trustee Limited is a wholly owned subsidiary of the Company.”
- “On 1 November 2025, the Group onboarded its first client under the DB Connect product.”
- “The financial statements were approved for issuance by the Board of Directors on 15 January 2026. Subsequent events have been evaluated until this date.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
5 active · 4 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| PARKINSON, Amanda | Secretary | 2023-10-02 | — | — |
| BALFOUR, Michael Warren | Director | 2023-08-01 | Jun 1960 | British |
| LANE, David John | Director | 2015-06-15 | Jul 1964 | British |
| ROBERTSON, David Stewart | Director | 2018-06-14 | Jul 1960 | British |
| THOMSON, Calum Mackenzie | Director | 2024-01-01 | Jun 1960 | British |
Show 4 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| PARRY, Karen Louise | Secretary | 2015-06-15 | 2023-10-01 |
| COATES, John Richard | Director | 2023-08-01 | 2024-04-30 |
| DARRACOTT, Michelle Lesley | Director | 2024-01-01 | 2026-02-17 |
| RAMSEY, Michael Francis | Director | 2018-06-14 | 2022-06-01 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Verity Trustees Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Active |
Filing timeline
Last 20 of 49 total filings
Material constitutional events — rename, articles re-file, resolution
- 2023-10-24 MA Memorandum articles
- 2023-10-24 RESOLUTIONS Resolution
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-04-22 | SH01 | capital | Capital allotment shares | |
| 2026-04-15 | AA | accounts | Accounts with accounts type group | |
| 2026-02-17 | TM01 | officers | Termination director company with name termination date | |
| 2025-10-06 | CH01 | officers | Change person director company with change date | |
| 2025-10-06 | CH01 | officers | Change person director company with change date | |
| 2025-07-07 | PSC05 | persons-with-significant-control | Change to a person with significant control | |
| 2025-07-07 | SH01 | capital | Capital allotment shares | |
| 2025-06-21 | AD01 | address | Change registered office address company with date old address new address | |
| 2025-06-21 | AD01 | address | Change registered office address company with date old address new address | |
| 2025-06-20 | AD01 | address | Change registered office address company with date old address new address | |
| 2025-06-16 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-03-17 | AA | accounts | Accounts with accounts type group | |
| 2024-09-30 | CH01 | officers | Change person director company with change date | |
| 2024-06-17 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2024-04-30 | TM01 | officers | Termination director company with name termination date | |
| 2024-04-16 | AA | accounts | Accounts with accounts type group | |
| 2024-01-05 | AP01 | officers | Appoint person director company with name date | |
| 2024-01-05 | AP01 | officers | Appoint person director company with name date | |
| 2023-10-24 | MA | incorporation | Memorandum articles | |
| 2023-10-24 | RESOLUTIONS | resolution | Resolution |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 7
- Capital events
- 2
- 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.