BETTER WITH MONEY LTD
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Next accounts due
2027-09-30 (in 1y)
Last filed for 2025-12-31
Confirmation statement due
2027-01-27 (in 8mo)
Last made up 2026-01-13
Watchouts
Cash
£12K
-83.1% lowest in 4 filed years
Net assets
£509K
+15.7% highest in 4 filed years
Employees
3
0% vs 2024
Profit before tax
£75K
-25.9% lowest in 4 filed years
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
3 officer resignations in last 12 months
Multiple officers have left the board recently — see the People section for who.
Net assets
4-year trend · vs Industrials median
Accounts
4-year trend · latest reflected 2025-12-31
| Metric | Trend | 2023-03-31 | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|---|
| Turnover | £329,792 | £179,522 | £256,046 | £171,242 | |
| Operating profit | £253,061 | £76,989 | £101,636 | £75,268 | |
| Profit before tax | £253,094 | £76,989 | £101,636 | £75,268 | |
| Net profit | — | — | £75,953 | £69,068 | |
| Cash | £175,728 | £47,080 | £73,221 | £12,371 | |
| Total assets less current liabilities | £287,958 | £364,433 | £440,386 | £509,454 | |
| Net assets | £287,958 | £364,433 | £440,386 | £509,454 | |
| Equity | £287,958 | £364,433 | £440,386 | £509,454 | |
| Average employees | 3 | 3 | 3 | 3 | |
| Wages | — | — | — | — | |
| 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
FY2024 → FY2025 · period ending 2025-12-31 vs 2024-12-31
-
Turnover
-33.1%
£256,046 £171,242
lowest in 4 filed years
-
Cash
-83.1%
£73,221 £12,371
lowest in 4 filed years
-
Net assets
+15.7%
£440,386 £509,454
highest in 4 filed years
-
Employees
0%
3 3
-
Operating profit
-25.9%
£101,636 £75,268
lowest in 4 filed years
-
Profit before tax
-25.9%
£101,636 £75,268
lowest in 4 filed years
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 | 2023-03-31 | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|---|
| Operating margin | 76.7% | 42.9% | 39.7% | 44.0% | |
| Net margin | — | — | 29.7% | 40.3% | |
| Return on capital employed | 87.9% | 21.1% | 23.1% | 14.8% | |
| Gearing (liabilities / total assets) | — | — | 19.3% | 16.1% | |
| Current ratio | — | — | 5.17x | 6.19x |
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 §1A
- Reporting scope
- Standalone (parent only)
- Auditor
- Ernst & Young LLP
- 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 12 months from when the financial statements are authorised for issue.”
Significant events
- “On 10 December 2025, NatWest Group announced that Willis Towers Watson (WTW) will acquire 100% of the NW A Holdings Ltd shareholding including Cushon Group and subsidiaries, of which, approximately 85% of shares is currently held by NatWest Group and the remaining 15% held by Cushon's management team. Completion of this transaction has been approved by the FCA and is expected to complete in the first half of 2026.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
3 active · 7 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| ALLAN, Stephen Richard | Director | 2026-04-30 | Jul 1971 | British |
| CLUTTERBUCK, Troy Adam | Director | 2022-01-31 | Sep 1974 | British,Australian |
| HODGES, Charlotte Mary | Director | 2026-04-30 | Oct 1970 | British |
Show 7 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| NATWEST GROUP SECRETARIAL SERVICES LIMITED | Corporate Secretary | 2023-06-01 | 2026-04-30 |
| CUMBERS, Matthew | Director | 2023-09-04 | 2026-04-30 |
| STEEL, Sarah Margaret | Director | 2023-01-01 | 2025-11-25 |
| STEEL, Sarah Margaret | Director | 2020-03-13 | 2022-01-31 |
| THRESHER, Joanne Jessica | Director | 2016-01-11 | 2020-03-13 |
| THRESHER, Paul Jacob | Director | 2016-01-11 | 2020-03-13 |
| WHITE, David Ian | Director | 2022-11-15 | 2023-05-31 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Cushon Group Limited | Corporate entity | Shares 75–100%, Voting 75–100% | 2022-01-31 | Active |
| Mrs Sarah Margaret Steel | Individual | Shares 75–100%, Voting 75–100%, Appoints directors | 2020-03-13 | Ceased 2022-01-31 |
| Mrs Joanne Jessica Thresher | Individual | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Ceased 2020-03-13 |
Filing timeline
Last 20 of 69 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-05-07 | AP01 | officers | Appoint person director company with name date | |
| 2026-05-07 | AP01 | officers | Appoint person director company with name date | |
| 2026-05-07 | TM01 | officers | Termination director company with name termination date | |
| 2026-05-07 | TM02 | officers | Termination secretary company with name termination date | |
| 2026-05-07 | AD01 | address | Change registered office address company with date old address new address | |
| 2026-05-04 | AA | accounts | Accounts with accounts type full | |
| 2026-02-25 | TM01 | officers | Termination director company with name termination date | |
| 2026-01-16 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-10-02 | AA | accounts | Accounts with accounts type full | |
| 2025-08-26 | RP04CS01 | confirmation-statement | Second filing of confirmation statement with made up date | |
| 2025-01-13 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2024-09-19 | AA | accounts | Accounts with accounts type full | |
| 2024-05-31 | PSC05 | persons-with-significant-control | Change to a person with significant control | |
| 2024-05-31 | AD01 | address | Change registered office address company with date old address new address | |
| 2024-03-02 | AA | accounts | Accounts with accounts type audit exemption subsiduary | |
| 2024-03-02 | PARENT_ACC | accounts | Legacy | |
| 2024-02-22 | GUARANTEE2 | other | Legacy | |
| 2024-02-22 | AGREEMENT2 | other | Legacy | |
| 2024-02-10 | AGREEMENT2 | other | Legacy | |
| 2024-02-10 | GUARANTEE2 | other | Legacy |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 10
- Capital events
- 0
- Officers appointed
- 2
- Officers resigned
- 3
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.