PENSIONS AND LIFETIME SAVINGS ASSOCIATION
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Next accounts due
2026-09-30 (in 4mo)
Last filed for 2024-12-31
Confirmation statement due
2026-08-21 (in 3mo)
Last made up 2025-08-07
Watchouts
None on the register
Cash
£4M
+17.5% vs 2023
Net assets
£3M
+1.9% vs 2023
Employees
58
+7.4% vs 2023
Profit before tax
£93K
-23.8% vs 2023
Name history
Renamed 1 time since incorporation
- PENSIONS AND LIFETIME SAVINGS ASSOCIATION 2017-03-16 → present
- THE NATIONAL ASSOCIATION OF PENSION FUNDS LIMITED 2009-08-27 → 2017-03-16
Net assets
2-year trend · vs Consumer Discretionary median
Accounts
2-year trend · latest reflected 2024-12-31
| Metric | Trend | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Turnover | £7,914,713 | £7,995,099 | |
| Operating profit | £71,347 | -£31,214 | |
| Profit before tax | £122,505 | £93,395 | |
| Net profit | £81,505 | £61,395 | |
| Cash | £3,593,838 | £4,222,509 | |
| Total assets less current liabilities | £3,156,876 | £3,218,271 | |
| Net assets | £3,156,876 | £3,218,271 | |
| Equity | £3,156,876 | £3,218,271 | |
| Average employees | 54 | 58 | |
| Wages | £3,465,500 | £3,867,152 |
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 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Operating margin | 0.9% | -0.4% | |
| Net margin | 1.0% | 0.8% | |
| Return on capital employed | 2.3% | -1.0% | |
| Current ratio | 1.29x | 1.34x |
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
- HaysMac 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 at least twelve months from when the financial statements are authorised for issue.”
Group structure
- PENSIONS AND LIFETIME SAVINGS ASSOCIATION · parent
- Pension Quality Mark Limited
- PLSA Ltd
- National Association of Pension Funds Limited
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
11 active · 89 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| HOWELLS, Ceri | Secretary | 2021-09-10 | — | — |
| ALEXANDER, Zoe Laura | Director | 2024-11-04 | Mar 1978 | British |
| CHILMAN, John David | Director | 2021-10-14 | Jul 1967 | British |
| COPLIN, Dave Charles | Director | 2020-11-03 | Mar 1970 | British |
| DOUGLAS, Emma Elizabeth | Director | 2018-10-19 | Jul 1965 | British |
| FIVEASH, James Graham | Director | 2023-10-19 | Aug 1974 | British |
| HOWELLS, Ceri | Director | 2022-06-21 | Aug 1972 | British |
| MCCLYMONT, Gregg | Director | 2024-10-15 | Jun 1976 | British |
| MUND, Julian Oliver | Director | 2013-09-30 | May 1971 | British |
| MYERS, Laura Anne | Director | 2023-10-19 | Nov 1985 | British |
| YOUNG, Carol | Director | 2020-11-03 | Jun 1975 | British |
Show 89 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BINGLEY, Joan Hilary | Secretary | 1998-02-11 | 2000-03-01 |
| BOGIRA, Edward Stephen John | Secretary | 2016-12-08 | 2018-10-01 |
| CONNOR, Carl Francis | Secretary | 2000-03-01 | 2003-04-30 |
| COOKE, Mark | Secretary | 2018-10-01 | 2021-09-10 |
| COX, Christopher | Secretary | 2004-07-01 | 2004-12-31 |
| FAIRCLOUGH, Richard John | Secretary | — | 1997-06-30 |
| GOULD, David John | Secretary | 2005-01-01 | 2012-02-17 |
| ROGERS, John Ernest | Secretary | 1997-07-01 | 1997-09-10 |
| SHEPHEARD, Geoffrey Arthur George | Secretary | 1997-09-10 | 1998-02-11 |
| WEBB, Laura Aldyth | Secretary | 2012-02-20 | 2016-12-08 |
| CARGIL MANAGEMENT SERVICES LIMITED | Corporate Secretary | 2003-04-30 | 2004-06-30 |
| ALEXANDER, Gregor Ramage | Director | — | 1995-04-28 |
| ALLEN, Graham Keith | Director | 1994-03-11 | 2000-03-17 |
| AMY, Ronald John | Director | — | 1997-05-14 |
| ARMITAGE, Christopher Harry | Director | 1993-05-07 | 2001-05-18 |
| AYERS, Kenneth Edwin | Director | 2000-03-17 | 2005-05-12 |
| BARLOW, Richard Alexander | Director | 2007-06-05 | 2009-10-16 |
| BLOW, Barbara Luise | Director | 2005-05-12 | 2007-06-30 |
| BOOKER, Peter John | Director | 1997-05-14 | 2001-05-18 |
| BROWN, Robert Haynes | Director | 2013-10-18 | 2017-10-20 |
| BROWNING, Elizabeth | Director | — | 1995-04-28 |
| BUTCHER, Richard | Director | 2013-10-18 | 2021-10-14 |
| CHAPMAN, Alan Charles | Director | 1995-04-28 | 1999-05-21 |
| CHAPMAN, Alan Charles | Director | — | 1994-04-29 |
| CHILMAN, John David | Director | 2021-09-10 | 2021-09-10 |
| CHYNOWETH, David Boyd | Director | 1998-05-15 | 2001-05-18 |
| CLAYTON, Tina Louise | Director | 2007-05-25 | 2007-10-02 |
| COOKE, Mark Anthony | Director | 2014-12-18 | 2021-07-08 |
| COOMBE, Michael Alfred | Director | — | 1995-04-28 |
| DAWRANT, Andrew Christopher | Director | 1995-04-28 | 1999-05-21 |
| DEMBITZ, John Andrew | Director | 2014-09-11 | 2020-11-03 |
| DENNIS, Roger Anthony | Director | — | 1993-05-07 |
| DERRICK, Peter | Director | 1997-05-14 | 2001-05-18 |
| DUNCOMBE, Michael Charles | Director | 1993-05-07 | 2001-05-18 |
| EDGEWORTH, Anna Lynnette | Director | 1995-04-28 | 1998-05-15 |
| ELLISON, Robin Charles | Director | 2001-05-18 | 2009-10-16 |
| ELLISON, Robin Charles | Director | 1992-06-14 | 2000-05-12 |
| FARNISH, Christine | Director | 2005-05-12 | 2006-10-02 |
| FAULKNER, Terence Brian | Director | 1998-05-15 | 2006-06-05 |
| FAWCETT, Mark Alexander | Director | 2013-11-13 | 2015-10-16 |
| FERGUSON, Gordon William Hugh | Director | 1994-04-29 | 1998-05-15 |
| FIVEASH, James Graham | Director | 2015-12-10 | 2018-10-19 |
| GIBSON, Robert James Mcintosh | Director | 1992-02-28 | 1993-05-07 |
| GILCHRIST, Clive Mace | Director | — | 1994-03-11 |
| GLEIG, Sheila | Director | — | 1995-04-28 |
| GOLDMAN, Ruth Janice | Director | 2006-06-13 | 2011-10-21 |
| GOLDMAN, Ruth Janice | Director | 2003-05-22 | 2005-05-12 |
| GOLDMAN, Ruth Janice | Director | 2000-05-12 | 2001-05-18 |
| GOY, Michael | Director | 2005-05-12 | 2008-09-24 |
| HADLEY, Kate | Director | 2020-12-09 | 2025-09-02 |
| HALL, Dennis Trayton | Director | — | 1993-05-07 |
| HARTRIDGE- PRICE, Colin Charles | Director | 1999-05-21 | 2001-05-18 |
| HATCHER, Alison | Director | 2018-10-19 | 2023-10-19 |
| HEATH-LAY, Patrick Iain | Director | 2018-10-19 | 2020-11-03 |
| HITCHEN, Christopher John | Director | 2002-05-10 | 2011-10-21 |
| HOGG, Chris Duncan | Director | 2017-10-20 | 2018-10-19 |
| HOLLENDER, Keith | Director | 2008-05-06 | 2011-04-30 |
| HYDE HARRISON, Mark | Director | 2009-10-16 | 2015-10-16 |
| JENKINS, Jamie Jonathan Jestyn | Director | 2017-12-07 | 2018-10-19 |
| JOHNSON, Cyril Francis | Director | 2014-12-18 | 2018-10-19 |
| JONES, Warwick | Director | 1993-05-07 | 2001-05-18 |
| KITTS, Arno | Director | 2006-06-08 | 2011-10-21 |
| KOBER, Stephen Walter | Director | 2005-05-12 | 2014-09-05 |
| LEIGH, Richard Wyndham | Director | 1995-04-28 | 1997-05-14 |
| LEWIN, Christopher George | Director | 1995-04-28 | 2001-05-18 |
| LINDEY, Geoffrey Max | Director | 1993-05-07 | 1998-03-19 |
| MACMAHON, Brian Sean | Director | — | 1995-04-28 |
| MANNION, Martin | Director | 2011-10-21 | 2013-10-18 |
| MARK, Nicola | Director | 2017-12-07 | 2018-10-19 |
| MARSHALL, George Brownlie | Director | — | 1997-05-14 |
| MARTIN, Raymond John | Director | 2009-10-16 | 2011-10-21 |
| MARTIN, Raymond John | Director | 2004-05-13 | 2004-12-17 |
| MARTIN, Raymond John | Director | 1995-04-28 | 2001-05-18 |
| MATHESON, Angus William | Director | — | 1996-03-13 |
| MAY, Catherine Jean | Director | 2018-10-19 | 2024-10-15 |
| MITCHELL, Timothy Frank Munroe | Director | — | 1995-04-28 |
| MOORE, Joy | Director | 2008-07-16 | 2013-10-18 |
| MORGAN, David George | Director | 2005-05-12 | 2007-05-25 |
| MORGAN, David George | Director | 2001-05-18 | 2004-05-13 |
| MORGAN, David George | Director | 1993-05-07 | 1997-05-14 |
| MORGAN, David George | Director | — | 1992-05-08 |
| MURRAY, Peter Anthony | Director | 1993-05-07 | 2001-05-18 |
| O'BRIEN, Michael | Director | 2011-10-21 | 2013-10-18 |
| O'BRIEN, Mike | Director | 2013-11-15 | 2015-10-16 |
| PARKER, Michael Dennis | Director | 1999-05-21 | 2001-05-18 |
| PEAPLE, Nigel | Director | 2020-12-09 | 2024-08-31 |
| PEAPLE, Nigel | Director | 2007-05-26 | 2010-07-17 |
| PEARSON, Geoffrey Thomas | Director | 1995-04-28 | 2001-05-18 |
| PEEL, Jacqueline | Director | 2015-12-10 | 2017-10-20 |
Ownership
Persons with significant control
Filing timeline
Last 20 of 335 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-02-16 | TM01 | officers | Termination director company with name termination date | |
| 2025-09-12 | AP01 | officers | Appoint person director company with name date | |
| 2025-09-10 | AA | accounts | Accounts with accounts type full | |
| 2025-09-09 | TM01 | officers | Termination director company with name termination date | |
| 2025-08-11 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-11-11 | AP01 | officers | Appoint person director company with name date | |
| 2024-10-21 | AP01 | officers | Appoint person director company with name date | |
| 2024-10-21 | TM01 | officers | Termination director company with name termination date | |
| 2024-09-09 | TM01 | officers | Termination director company with name termination date | |
| 2024-08-07 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-07-18 | AA | accounts | Accounts with accounts type small | |
| 2023-10-20 | AP01 | officers | Appoint person director company with name date | |
| 2023-10-20 | AP01 | officers | Appoint person director company with name date | |
| 2023-10-20 | TM01 | officers | Termination director company with name termination date | |
| 2023-09-23 | CH01 | officers | Change person director company with change date | |
| 2023-09-08 | CH01 | officers | Change person director company with change date | |
| 2023-08-09 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-07-08 | AA | accounts | Accounts with accounts type small | |
| 2023-07-01 | AD01 | address | Change registered office address company with date old address new address | |
| 2022-08-09 | CS01 | confirmation-statement | Confirmation statement with no updates |
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.
Year-on-year
FY2023 → FY2024 · period ending 2024-12-31 vs 2023-12-31
-
Turnover
+1%
£7,914,713 £7,995,099
-
Cash
+17.5%
£3,593,838 £4,222,509
-
Net assets
+1.9%
£3,156,876 £3,218,271
-
Employees
+7.4%
54 58
-
Operating profit
-143.7%
£71,347 -£31,214
-
Profit before tax
-23.8%
£122,505 £93,395
-
Wages
+11.6%
£3,465,500 £3,867,152
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