EBS PENSIONS LIMITED
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Next accounts due
2027-09-30 (in 1y)
Last filed for 2025-12-31
Confirmation statement due
2026-11-21 (in 6mo)
Last made up 2025-11-07
Watchouts
Cash
£12M
-13.6% vs 2024
Net assets
£12M
-0.9% vs 2024
Employees
—
Average over period
Profit before tax
-£160K
-109.1% vs 2024
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.
Name history
Renamed 3 times since incorporation
- EBS PENSIONS LIMITED 2017-07-03 → present
- EBS PENSIONS PLC 2017-07-03 → 2017-07-03
- EBS MANAGEMENT PLC 2007-07-02 → 2017-07-03
- E.B.S. (MANAGEMENT) PLC 1970-12-31 → 2007-07-02
Net assets
2-year trend · vs Industrials median
Accounts
2-year trend · latest reflected 2025-12-31
| Metric | Trend | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Turnover | £6,850,000 | £7,166,000 | |
| Operating profit | £1,761,000 | -£160,000 | |
| Profit before tax | £1,760,000 | -£160,000 | |
| Net profit | £1,145,000 | -£106,000 | |
| Cash | £13,607,000 | £11,760,000 | |
| Total assets less current liabilities | — | — | |
| Net assets | £11,606,000 | £11,500,000 | |
| Equity | £11,606,000 | £11,500,000 | |
| Average employees | — | — | |
| Wages | £104,000 | £122,000 |
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
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating margin | 25.7% | -2.2% | |
| Net margin | 16.7% | -1.5% | |
| Gearing (liabilities / total assets) | 29.2% | 29.2% | |
| Current ratio | 4.41x | 4.19x | |
| Interest cover | 1761.00x | -160.00x |
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
“Based on this review, the Directors are comfortable that the Company has adequate resources available to continue in operational existence for the foreseeable future, being the next 12 months from the date of this report. Thus, they continue to adopt the going concern basis of accounting in preparing the annual report and financial statements.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
11 active · 40 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| RAMAN, Krishna Venkata | Secretary | 2026-03-01 | — | — |
| BARUA, Chirantan | Director | 2024-09-01 | Nov 1973 | British |
| BRUMPTON, Dena Jane | Director | 2026-02-02 | Dec 1963 | British |
| CHALMERS, William Leon David | Director | 2024-09-01 | Jul 1968 | British |
| COOPER, Kirstine Ann | Director | 2024-09-01 | Aug 1964 | British |
| CUHLS, Matthew Hilmar | Director | 2024-09-01 | Aug 1974 | British |
| MCNAMARA, Paul Gerard | Director | 2024-09-02 | Sep 1966 | Irish |
| MOULDER, Christopher John George | Director | 2024-09-01 | Feb 1958 | British |
| NYAHASHA, Shingirai Thaddeus | Director | 2024-09-01 | Jan 1974 | British |
| SCHUMACHER, Gayle Elaine | Director | 2024-09-01 | May 1959 | British |
| TRUSSELL, Mary Helen | Director | 2025-07-07 | Jun 1963 | British |
Show 40 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| CAMBONIE, Vincent Philippe Francois | Secretary | 2018-07-12 | 2020-02-24 |
| GILLING SMITH, Gordon Dryden | Secretary | — | 2003-07-18 |
| JORDAN, Ana Louise | Secretary | 2022-06-21 | 2024-09-12 |
| MEGAW, Nicola | Secretary | 2020-12-08 | 2022-06-21 |
| RATHORE, Afshan | Secretary | 2017-06-05 | 2018-07-12 |
| RIDDY, Caroline Anne | Secretary | 2024-09-13 | 2026-02-28 |
| TEPER, Gary | Secretary | 2003-07-18 | 2012-09-18 |
| UNG, Julie | Secretary | 2012-09-18 | 2017-05-31 |
| ABBERLEY, Paul Andrew | Director | 2014-12-09 | 2017-05-31 |
| ANDERSON, Jonathan | Director | 2022-05-26 | 2024-08-31 |
| CAMBONIE, Vincent Philippe Francois | Director | 2017-06-05 | 2022-01-31 |
| CURRIE, Ian William | Director | 2018-10-12 | 2019-03-15 |
| DAVIES, Priscilla Ann | Director | 2022-12-02 | 2023-06-30 |
| DAVIS, Deborah Lee | Director | 2024-09-01 | 2025-03-18 |
| DEAN, Julie Ann | Director | 2018-10-12 | 2019-03-21 |
| DOWNING, Paul | Director | 2018-01-08 | 2022-01-31 |
| ETHERINGTON, David John | Director | 2017-06-05 | 2021-04-04 |
| FOX, John Damien | Director | 2018-10-12 | 2019-03-21 |
| GILLING SMITH, Gordon Dryden | Director | — | 2006-10-26 |
| GILLING-SMITH, Carole Marie-Therese Laura, Dr | Director | — | 2003-07-18 |
| GILLING-SMITH, Geoffrey Lawrence | Director | — | 2003-07-18 |
| GUILD, Scott Cameron | Director | 2022-01-31 | 2024-08-31 |
| HARRIS, Joanna Kate | Director | 2024-09-01 | 2025-06-04 |
| HURST, Peter Anthony | Director | 2004-08-03 | 2011-08-31 |
| LEIPER, Jacqueline | Director | 2022-10-31 | 2024-08-31 |
| LILWALL, Michael Raymond Ian | Director | 2003-07-18 | 2017-05-31 |
| LOWE, David Andrew | Director | 2022-01-31 | 2022-08-31 |
| LOWE, Jacqueline | Director | 2023-02-01 | 2023-09-30 |
| MACKECHNIE, Donald | Director | 2022-12-02 | 2024-08-31 |
| MCMAHON, Paul | Director | 2022-05-26 | 2024-08-31 |
| MONEY-COUTTS, Benjamin Burdett | Director | 2015-01-29 | 2015-09-03 |
| O'CONNOR, Sophie Jane | Director | 2022-12-02 | 2023-09-30 |
| RAGNAUTH, Kate | Director | 2003-07-18 | 2018-04-06 |
| RAWLINGSON, James Hedley | Director | 2011-09-01 | 2015-01-07 |
| SKINNER, Dudley Mark Hewitt | Director | 2022-12-02 | 2024-08-31 |
| SMITH, Phillip John | Director | 2017-06-05 | 2019-12-06 |
| SPENCER, Christopher | Director | 2021-04-28 | 2022-10-31 |
| TOMLIN, James | Director | 2017-06-05 | 2018-10-31 |
| WALKER, Richard John | Director | — | 1992-01-16 |
| WHEWAY, Jonathan Scott | Director | 2024-09-01 | 2025-10-31 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Embark Group Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2017-05-31 | Active |
| Charles Stanley Group Plc | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors, significant-influence-or-control-as-firm | 2016-04-06 | Ceased 2017-05-31 |
Filing timeline
Last 20 of 247 total filings
Material constitutional events — rename, articles re-file, resolution
- 2024-11-27 MA Memorandum articles
- 2024-11-27 RESOLUTIONS Resolution
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-04-04 | AA | accounts | Accounts with accounts type full | |
| 2026-03-02 | AP03 | officers | Appoint person secretary company with name date | |
| 2026-03-02 | TM02 | officers | Termination secretary company with name termination date | |
| 2026-02-03 | AP01 | officers | Appoint person director company with name date | |
| 2025-11-07 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-11-04 | TM01 | officers | Termination director company | |
| 2025-10-06 | RP01CS01 | confirmation-statement | Replacement filing of confirmation statement with made up date | |
| 2025-07-16 | AP01 | officers | Appoint person director company with name date | |
| 2025-06-09 | AA | accounts | Accounts with accounts type full | |
| 2025-06-05 | TM01 | officers | Termination director company with name termination date | |
| 2025-03-19 | TM01 | officers | Termination director company with name termination date | |
| 2025-03-10 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-12-11 | CH01 | officers | Change person director company with change date | |
| 2024-12-11 | AD01 | address | Change registered office address company with date old address new address | |
| 2024-12-05 | CH01 | officers | Change person director company with change date | |
| 2024-12-05 | CH01 | officers | Change person director company with change date | |
| 2024-12-05 | CH01 | officers | Change person director company with change date | |
| 2024-11-27 | MA | incorporation | Memorandum articles | |
| 2024-11-27 | RESOLUTIONS | resolution | Resolution | |
| 2024-09-19 | CS01 | confirmation-statement | Confirmation statement with no updates |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 10
- Capital events
- 0
- Officers appointed
- 3
- 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.
Year-on-year
FY2024 → FY2025 · period ending 2025-12-31 vs 2024-12-31
-
Turnover
+4.6%
£6,850,000 £7,166,000
-
Cash
-13.6%
£13,607,000 £11,760,000
-
Net assets
-0.9%
£11,606,000 £11,500,000
-
Employees
—
Not reported
-
Operating profit
-109.1%
£1,761,000 -£160,000
-
Profit before tax
-109.1%
£1,760,000 -£160,000
-
Wages
+17.3%
£104,000 £122,000
Each % is (latest − prior) ÷ |prior| for the line item as filed. Periods don't have to be exactly 12 months apart — a long or short period (typical around incorporation or year-end changes) will distort the comparison. Lines a company doesn't report are omitted. About these numbers