PEPPER MONEY LIMITED
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Next accounts due
2026-09-30 (in 4mo)
Last filed for 2024-12-31
Confirmation statement due
2027-04-09 (in 11mo)
Last made up 2026-03-26
Watchouts
None on the register
Cash
£25K
+66.7% vs 2023
Net assets
£49M
+2.5% vs 2023
Employees
0
Average over period
Profit before tax
£2M
+83.8% vs 2023
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 | £7,596,000 | £4,647,000 | |
| Operating profit | £3,041,000 | £5,124,000 | |
| Profit before tax | £1,278,000 | £2,349,000 | |
| Net profit | £1,803,000 | £1,192,000 | |
| Cash | £15,000 | £25,000 | |
| Total assets less current liabilities | £48,263,000 | £50,043,000 | |
| Net assets | £48,263,000 | £49,455,000 | |
| Equity | £48,263,000 | £49,455,000 | |
| Average employees | 0 | 0 | |
| Wages | — | — | |
| Directors' remuneration | £96,754 | £162,288 |
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
-38.8%
£7,596,000 £4,647,000
-
Cash
+66.7%
£15,000 £25,000
-
Net assets
+2.5%
£48,263,000 £49,455,000
-
Employees
—
Not reported
-
Operating profit
+68.5%
£3,041,000 £5,124,000
-
Profit before tax
+83.8%
£1,278,000 £2,349,000
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 | 40.0% | 110.3% | |
| Net margin | 23.7% | 25.7% | |
| Return on capital employed | 6.3% | 10.2% | |
| Gearing (liabilities / total assets) | 4.9% | 4.6% | |
| Current ratio | 18.79x | 27.27x | |
| Interest cover | 0.31x | — |
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
- IFRS
- Reporting scope
- Standalone (parent only)
- Auditor
- Deloitte LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The financial statements have been prepared on a going concern basis. The Directors have assessed the likelihood the Company will be able to meet its debts as they fall due for the period of 24 months from signing of the financial statements (the "Going Concern Assessment"). Notwithstanding this, the Directors are confident that, the business will have enough capital and liquidity to achieve business goals and be able to meet its debts as they fall due for the foreseeable future. The Directors have, therefore, adopted the going concern basis of accounting in preparing the financial statements.”
Significant events
- “In the previous period, the company exercised call rights on Polaris 2020-1 plc and transferred £187.5m mortgages to UKMLL.”
- “EV Salary Sacrifice Scheme was launched in October 2024, to encourage responsible green transport.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
6 active · 5 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| KEEBLE, Anthony John | Secretary | 2024-07-10 | — | — |
| BIRD, Kimberley | Director | 2024-07-01 | Feb 1970 | British |
| COLSELL, Steven James | Director | 2020-08-12 | Jul 1964 | British |
| MOREY, Laurence | Director | 2018-03-27 | Jun 1974 | British |
| O'SHEA, James Desmond | Director | 2025-03-31 | Feb 1956 | Irish |
| VOSS, Andrew James | Director | 2023-05-30 | Jul 1976 | British,Australian |
Show 5 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| GALLAGHER, Michael Thomas | Secretary | 2022-08-31 | 2024-02-08 |
| HASTINGS-JONES, Ellen | Secretary | 2019-01-23 | 2022-08-31 |
| DEANE, Stuart John | Director | 2020-12-23 | 2025-06-30 |
| JUSTICE, Warren Henry | Director | 2018-03-27 | 2020-07-31 |
| KEEBLE, Anthony John | Director | 2020-11-10 | 2023-05-30 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Pepper Money (Pmb) Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2018-03-27 | Active |
Filing timeline
Last 20 of 51 total filings
Material constitutional events — rename, articles re-file, resolution
- 2023-10-07 RESOLUTIONS Resolution
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-04-01 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-12-04 | CH01 | officers | Change person director company with change date | |
| 2025-09-11 | AA | accounts | Accounts with accounts type full | |
| 2025-07-01 | TM01 | officers | Termination director company with name termination date | |
| 2025-05-20 | AP01 | officers | Appoint person director company with name date | |
| 2025-03-27 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-09-10 | AA | accounts | Accounts with accounts type full | |
| 2024-07-29 | AP01 | officers | Appoint person director company with name date | |
| 2024-07-12 | AP03 | officers | Appoint person secretary company with name date | |
| 2024-04-04 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-02-23 | TM02 | officers | Termination secretary company with name termination date | |
| 2023-10-07 | RESOLUTIONS | resolution | Resolution | |
| 2023-10-05 | AA | accounts | Accounts with accounts type full | |
| 2023-07-11 | AD01 | address | Change registered office address company with date old address new address | |
| 2023-06-06 | AP01 | officers | Appoint person director company with name date | |
| 2023-06-06 | TM01 | officers | Termination director company with name termination date | |
| 2023-04-18 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-10-05 | AP03 | officers | Appoint person secretary company with name date | |
| 2022-10-05 | TM02 | officers | Termination secretary company with name termination date | |
| 2022-09-09 | AA | accounts | Accounts with accounts type full |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 5
- 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.