UNIVERSAL CREDIT LIMITED
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Next accounts due
2027-06-30 (in 1y)
Last filed for 2025-09-30
Confirmation statement due
2026-05-24 (this month)
Last made up 2025-05-10
Watchouts
None on the register
Cash
£183K
-13.3% vs 2024
Net assets
£55K
-24.7% vs 2024
Employees
0
Average over period
Profit before tax
£43K
-51.7% vs 2024
Net assets
2-year trend · vs Financials median
Accounts
2-year trend · latest reflected 2025-09-30
| Metric | Trend | 2024-09-30 | 2025-09-30 |
|---|---|---|---|
| Turnover | — | — | |
| Operating profit | £92,000 | £45,000 | |
| Profit before tax | £89,000 | £43,000 | |
| Net profit | £67,000 | £32,000 | |
| Cash | £211,000 | £183,000 | |
| Total assets less current liabilities | £73,000 | £55,000 | |
| Net assets | £73,000 | £55,000 | |
| Equity | £73,000 | £55,000 | |
| Average employees | 0 | 0 | |
| Wages | — | — |
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 | 2024-09-30 | 2025-09-30 |
|---|---|---|---|
| Return on capital employed | 126.0% | 81.8% | |
| Gearing (liabilities / total assets) | 65.4% | 69.9% | |
| Current ratio | 1.53x | 1.43x | |
| Interest cover | 23.00x | 22.50x |
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 101 Reduced Disclosure Framework
- Reporting scope
- Standalone (parent only)
- Auditor
- KPMG LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“After considering the above, the directors have a reasonable expectation that the Company will have adequate resources to continue in operational existence for the foreseeable future. For this reason, they continue to adopt the going concern basis in preparing the Financial Statements.”
Significant events
- “The directors of the Group, having considered the requirements for rotation of auditors after 10 years of service from KPMG LLP, conducted an audit tender process during the financial year. Deloitte LLP were selected as a result of this process, and have expressed their willingness to take office.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
2 active · 23 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| ALLEN, Keith Graham | Director | 2015-09-23 | Jul 1972 | British |
| WOODMAN, Richard James | Director | 2014-04-25 | May 1965 | British |
Show 23 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BARFORD WILKS, Sarah | Secretary | 1995-06-15 | 1995-11-01 |
| GEMMELL, John Grigor | Secretary | 1998-03-16 | 2014-06-30 |
| KILBEE, Michael Peter | Secretary | 1997-06-30 | 1998-03-16 |
| ROSS, John Howard | Secretary | 1995-11-01 | 1997-06-30 |
| SHARP, Pandora | Secretary | 2014-06-30 | 2020-06-01 |
| STAPLES, Graham | Secretary | 1994-01-01 | 1994-05-12 |
| STOREY, Leonard Alan | Secretary | — | 1994-01-01 |
| TAYLOR, John Keith | Secretary | 1994-05-09 | 1995-06-15 |
| BOURKE, John | Director | 1992-06-01 | 1994-03-31 |
| COOPER, David Norman | Director | — | 1992-06-30 |
| DAVIES, John Lewis | Director | 1996-08-07 | 1997-01-22 |
| DAWSON, Timothy Michael | Director | — | 1992-06-30 |
| DOWTHWAITE, Roger | Director | 1992-06-01 | 1995-05-12 |
| GEMMELL, John Grigor | Director | 1998-03-16 | 2014-06-30 |
| HARKNESS, James Elliot | Director | — | 1998-03-16 |
| HOOK, Peter Francis | Director | 1997-01-22 | 1998-03-16 |
| INGLE, Patrick | Director | 1994-07-04 | 1996-08-07 |
| KEEN, Nicholas | Director | 1998-03-16 | 2014-05-13 |
| KILBEE, Michael Peter | Director | 1998-03-13 | 1998-03-16 |
| MCSWEENEY, Roger Donald | Director | — | 1992-06-30 |
| MEHMET, Adem | Director | 2001-08-23 | 2010-05-14 |
| PEDELTY, Mervyn Kay, Sir | Director | 1994-03-01 | 1994-06-30 |
| SHELTON, Richard Dominic | Director | 1998-03-16 | 2021-02-03 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Paragon Banking Group Plc | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Active |
Filing timeline
Last 20 of 180 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-03-10 | AA | accounts | Accounts with accounts type full | |
| 2025-12-21 | RESOLUTIONS | resolution | Resolution | |
| 2025-12-21 | MA | incorporation | Memorandum articles | |
| 2025-05-13 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-03-05 | AA | accounts | Accounts with accounts type full | |
| 2024-05-14 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-03-08 | AA | accounts | Accounts with accounts type full | |
| 2023-05-11 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-02-27 | AA | accounts | Accounts with accounts type full | |
| 2022-05-10 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-02-25 | AA | accounts | Accounts with accounts type full | |
| 2022-01-27 | AD01 | address | Change registered office address company with date old address new address | |
| 2021-05-10 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2021-03-16 | AA | accounts | Accounts with accounts type full | |
| 2021-02-03 | TM01 | officers | Termination director company with name termination date | |
| 2020-06-09 | TM02 | officers | Termination secretary company with name termination date | |
| 2020-05-12 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2020-03-09 | AA | accounts | Accounts with accounts type full | |
| 2019-05-13 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2019-02-25 | AA | accounts | Accounts with accounts type full |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 4
- Capital events
- 0
- Officers appointed
- 0
- Officers resigned
- 0
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 2025-09-30 vs 2024-09-30
-
Turnover
—
Not reported
-
Cash
-13.3%
£211,000 £183,000
-
Net assets
-24.7%
£73,000 £55,000
-
Employees
—
Not reported
-
Operating profit
-51.1%
£92,000 £45,000
-
Profit before tax
-51.7%
£89,000 £43,000
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