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Next accounts due

2027-05-31 (in 1y)

Last filed for 2025-08-31

Confirmation statement due

2026-07-12 (in 2mo)

Last made up 2025-06-28

Watchouts

1 item

Cash

£5M

-38.8% lowest in 4 filed years

Net assets

£5M

-16.3% vs 2024

Employees

13

0% vs 2024

Profit before tax

-£946K

-4,276.6% vs 2024

Watchouts

Facts from the Companies House register and the latest accounts — not a rating

Accounts

4-year trend · latest reflected 2025-08-31

Metric Trend 2021-08-312022-08-312024-08-312025-08-31
Turnover £148,814£134,046
Operating profit -£259,470-£1,079,207
Profit before tax -£21,609-£945,742
Net profit £2,572,584£1,224-£1,016,497
Cash £8,147,257£6,142,703£8,221,312£5,030,092
Total assets less current liabilities £4,673,341£7,145,396£6,707,716£5,723,606
Net assets £3,690,948£6,263,532£5,994,160£5,014,413
Equity £3,690,948£6,263,532£5,994,160£5,014,413
Average employees 14131313
Wages £596,182£683,521

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 2021-08-312022-08-312024-08-312025-08-31
Operating margin -174.4%-805.1%
Net margin 0.8%-758.3%
Return on capital employed -3.9%-18.9%
Current ratio 0.81x0.51x
Interest cover -4.40x-18.40x

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
TC Group
Audit opinion
Unqualified (clean)
Going concern
Affirmed

“These accounts are prepared on a going concern basis, which assumes the company will continue in operational existence for the foreseeable future. The directors have based their assessment of going concern on the strong balance sheet, significant cash balance and the good returns from the investment portfolio.”

Group structure

  1. EXPATRIATE ADVISORY SERVICES LIMITED · parent
    1. Individual Savings Accounts Limited 100% · England · discount broker
    2. The PEP Shop Limited 100% · England · discount broker
    3. New Individual Savings Accounts Limited 100% · England · dormant
    4. Lifetime Individual Savings Accounts Limited 100% · England · dormant

Significant events

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
BETTS, Mark Director 2007-06-11 Dec 1973 British
HUTCHINSON, Deborah Director 2023-09-07 Mar 1955 British
SINGH, Hardev Director 2012-01-03 May 1962 British
Show 7 resigned officers
Name Role Appointed Resigned
MARCHANT, Jane Patricia Secretary 1992-07-26
SHAPEERO, Ian Charles Secretary 1992-07-06
WILLOUGHBY CORPORATE SECRETARIAL LIMITED Corporate Secretary 1992-07-06 1991-08-05
WILLOUGHBY CORPORATE SECRETARIAL LIMITED Corporate Secretary 2018-05-30
GREEN, Dennis Director 2016-02-04
GREEN, Haydn Carrick Director 2007-05-28
GREEN, Maisie Director 2008-06-16 2013-12-31

Ownership

Persons with significant control

Name Kind Nature of control Notified Status
Hgf Companies Ltd Corporate entity Shares 75–100%, Voting 75–100% 2024-10-28 Active
Mr Paul Derek Thorogood Individual Shares 75–100%, Voting 75–100% 2024-06-25 Ceased 2024-10-28
Joanne Kathryn Ash Individual Shares 75–100%, Voting 75–100% 2023-05-30 Ceased 2024-10-28
Mr Hardev Singh Individual Shares 75–100%, Voting 75–100% 2020-06-04 Ceased 2024-10-28
Mr Mark Betts Individual Significant influence 2020-06-04 Ceased 2023-05-30
Mr Dennis Green (Deceased) Individual Shares 50–75%, Voting 50–75%, Appoints directors, significant-influence-or-control-as-firm 2020-06-04 Ceased 2023-05-30
Mrs Maisie Green (Deceased) Individual Shares 25–50%, Voting 25–50%, Appoints directors, significant-influence-or-control-as-firm 2020-06-04 Ceased 2023-05-30
Mr John Leslie Basham Individual Significant influence 2020-06-04 Ceased 2021-05-26

Filing timeline

Last 20 of 155 total filings

Date Type Category Description
2026-04-24 AA accounts Accounts with accounts type full
2025-07-01 CS01 confirmation-statement Confirmation statement with updates PDF
2025-03-03 AA accounts Accounts with accounts type group
2024-12-19 CERT10 change-of-name Certificate re registration public limited company to private
2024-12-19 MAR incorporation Re registration memorandum articles
2024-12-19 RESOLUTIONS resolution Resolution
2024-12-19 RR02 change-of-name Reregistration public to private company
2024-11-17 MA incorporation Memorandum articles
2024-11-17 RESOLUTIONS resolution Resolution
2024-11-05 PSC02 persons-with-significant-control Notification of a person with significant control PDF
2024-11-05 PSC07 persons-with-significant-control Cessation of a person with significant control PDF
2024-11-05 PSC07 persons-with-significant-control Cessation of a person with significant control PDF
2024-11-05 PSC07 persons-with-significant-control Cessation of a person with significant control PDF
2024-07-09 CS01 confirmation-statement Confirmation statement with updates PDF
2024-07-08 PSC01 persons-with-significant-control Notification of a person with significant control PDF
2024-03-06 AA accounts Accounts with accounts type group
2023-10-11 AP01 officers Appoint person director company with name date PDF
2023-06-28 CS01 confirmation-statement Confirmation statement with updates PDF
2023-06-28 PSC04 persons-with-significant-control Change to a person with significant control PDF
2023-06-28 PSC07 persons-with-significant-control Cessation of a person with significant control PDF

Public-record activity

Raw counts from Companies House — last 12–24 months

Filings
2

last 12 months

Capital events
0

last 24 months

Officers appointed
0

last 12 months

Officers resigned
0

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 2025-08-31 vs 2024-08-31

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

Official Companies House page