DIRECT LIFE AND PENSION SERVICES LIMITED
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Next accounts due
2026-09-30 (in 4mo)
Last filed for 2024-12-31
Confirmation statement due
2027-02-20 (in 9mo)
Last made up 2026-02-06
Watchouts
None on the register
Cash
£164K
-48.2% lowest in 4 filed years
Net assets
-£748K
-499% lowest in 4 filed years
Employees
70
-7.9% lowest in 4 filed years
Profit before tax
-£810K
-421.6% lowest in 4 filed years
Name history
Renamed 2 times since incorporation
- DIRECT LIFE AND PENSION SERVICES LIMITED 1998-04-27 → present
- WARD MORTGAGES LIMITED 1990-03-20 → 1998-04-27
- MINDFAST LIMITED 1990-02-06 → 1990-03-20
Net assets
5-year trend · vs Financials median
Accounts
5-year trend · latest reflected 2024-12-31
| Metric | Trend | 2019-01-01 | 2019-12-31 | 2020-12-31 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|---|---|---|
| Turnover | — | £13,186,121 | £13,342,057 | £2,923,048 | £2,555,629 | |
| Operating profit | — | £120,835 | £180,150 | -£155,393 | -£772,262 | |
| Profit before tax | — | £121,119 | £180,150 | -£155,393 | -£810,496 | |
| Net profit | — | — | — | -£104,222 | -£631,706 | |
| Cash | — | £1,138,804 | £1,377,931 | £317,485 | £164,498 | |
| Total assets less current liabilities | — | £1,433,779 | £1,504,309 | — | — | |
| Net assets | — | £1,009,932 | £1,058,022 | -£124,791 | -£747,503 | |
| Equity | — | £1,009,932 | £1,058,022 | -£124,791 | -£747,503 | |
| Average employees | — | 116 | 123 | 76 | 70 | |
| Wages | — | £2,422,915 | £2,561,734 | £1,817,247 | £1,574,733 |
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 | 2019-01-01 | 2019-12-31 | 2020-12-31 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|---|---|---|
| Operating margin | — | 0.9% | 1.4% | -5.3% | -30.2% | |
| Net margin | — | — | — | -3.6% | -24.7% | |
| Return on capital employed | — | 8.4% | 12.0% | — | — | |
| Gearing (liabilities / total assets) | — | — | — | 106.3% | 140.3% | |
| Current ratio | — | — | — | 0.70x | 0.65x | |
| Interest cover | — | — | — | — | -20.20x |
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
- Reporting scope
- Standalone (parent only)
- Auditor
- Ernst & Young LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The Company directors have concluded that preparing the financial statements on a going concern basis is appropriate based on forecast performance of the Company and available support from the Company's ultimate parent company, LSL Property Services plc. As a result, the directors have prepared the financial statements on a going concern basis.”
Group structure
- DIRECT LIFE AND PENSION SERVICES LIMITED · parent
- LifeQuote Limited 100%
- Direct Life Limited 100%
Significant events
- “During 2025, the Company transitioned its offering from Life Quote to Novium, reflecting a change in its technology solutions offering.”
- “An audit tender exercise had been concluded resulting in Grant Thornton UK LLP being appointed as the Company's auditor for the year ending 31 December 2025, and EY will resign.”
- “The former company secretary, S Bedi Fitzgerald resigned 15 September 2024, and D A Fish was appointed as company secretary on 27 January 2025.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
3 active · 43 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| FISH, Deborah Ann | Secretary | 2025-01-27 | — | — |
| HOLLINGWORTH, Emma Louise | Director | 2025-05-19 | Nov 1977 | British |
| HOWELLS, Richard James | Director | 2023-12-13 | Aug 1971 | British |
Show 43 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| DAVIDSON, Gillian Mary | Secretary | 2006-10-01 | 2008-03-19 |
| DAWSON, John William | Secretary | 2001-08-16 | 2006-09-30 |
| FITZGERALD, Sapna Bedi | Secretary | 2021-01-22 | 2024-09-15 |
| LORIMER, Matthew Justin | Secretary | 2015-02-02 | 2016-10-31 |
| SCULL, Colin Francis | Secretary | 2000-04-01 | 2001-08-16 |
| WARD, Michael Andrew | Secretary | — | 2000-04-01 |
| CARDIFF PINNACLE SECRETARIES LIMITED | Corporate Secretary | 2008-03-19 | 2015-02-02 |
| BARKER, Richard Anthony | Director | 1999-08-01 | 2003-06-16 |
| BEEVER, Dominic John | Director | 2023-06-21 | 2025-06-03 |
| BROTZEL, Paul Christian | Director | 2013-04-25 | 2014-04-11 |
| CARLE, Steven Alexander Anderson | Director | 2000-05-05 | 2001-08-16 |
| CASTAGNO, John | Director | 2008-03-19 | 2013-01-11 |
| CLARK, Iain Lloyd | Director | 2022-01-21 | 2022-11-11 |
| CRADDOCK, Peter Martin | Director | 2006-01-01 | 2008-03-19 |
| CRADDOCK, Peter Martin | Director | 2001-09-19 | 2002-02-28 |
| CUTTER, David John | Director | 2006-01-01 | 2008-03-19 |
| DODD, Mike Patrick | Director | 2017-01-01 | 2021-01-22 |
| GLEN, Paul Edward | Director | 2008-03-19 | 2015-12-17 |
| GOLDING, Adam Jon | Director | 2008-03-19 | 2012-06-10 |
| GOODFELLOW, John Graham | Director | 2001-09-19 | 2008-03-19 |
| HOLT, Simon Jeremy | Director | 2001-09-19 | 2003-01-02 |
| HUGHES, Graham | Director | 1995-01-01 | 1998-04-30 |
| HURWOOD, Jason Lee | Director | 2023-08-31 | 2024-05-31 |
| HUTTON, Ewan Christopher | Director | 2023-06-21 | 2024-10-02 |
| MATHER, Timothy Nicholas | Director | 2015-01-05 | 2016-05-25 |
| MCCARTHY, Neil Daniel | Director | 2009-01-16 | 2022-01-07 |
| MYERS, Mark Edward | Director | 2019-03-11 | 2021-01-22 |
| MYERS, Mark Edward | Director | 2017-01-01 | 2018-07-02 |
| OPPERMAN, Peter Adam Ernest | Director | 2000-08-10 | 2001-08-16 |
| QUAYLE, Robert Andrew | Director | 2002-01-02 | 2023-08-31 |
| RAICHURA, Rajeev Ramniklal | Director | 2021-01-22 | 2022-01-31 |
| ROUND, Jonathan Pearson | Director | 2021-01-22 | 2023-12-13 |
| SCOTTER, John Alan | Director | 2003-01-20 | 2005-12-31 |
| SCULL, Colin Francis | Director | 1999-08-01 | 2001-07-31 |
| SMITH, Richard Martin | Director | 2021-12-16 | 2023-03-09 |
| SMITH, Toni | Director | 2021-01-22 | 2021-12-16 |
| TAYLOR, Gregory Martin | Director | 1998-04-20 | 1999-09-30 |
| VERDIN, Richard Stewart | Director | 2019-01-30 | 2022-12-05 |
| VERDIN, Richard Stewart | Director | 2002-07-01 | 2008-09-19 |
| WARD, Deborah Jayne | Director | — | 1997-06-06 |
| WARD, Michael Andrew | Director | — | 2010-10-26 |
| WHITTLE, Stuart | Director | 2022-03-21 | 2023-04-30 |
| WIGG, Andrew Miles | Director | 2013-03-20 | 2016-10-31 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Direct Life Quote Holdings Limited | Corporate entity | Shares 75–100% | 2016-10-31 | Active |
Filing timeline
Last 20 of 229 total filings
Material constitutional events — rename, articles re-file, resolution
- 2025-07-21 RESOLUTIONS Resolution
- 2025-07-21 MA Memorandum articles
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-04-19 | AA | accounts | Accounts with accounts type full | |
| 2026-02-06 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-07-21 | RESOLUTIONS | resolution | Resolution | |
| 2025-07-21 | MA | incorporation | Memorandum articles | |
| 2025-07-11 | PSC05 | persons-with-significant-control | Change to a person with significant control | |
| 2025-06-11 | TM01 | officers | Termination director company with name termination date | |
| 2025-05-29 | AP01 | officers | Appoint person director company with name date | |
| 2025-02-06 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-01-27 | AP03 | officers | Appoint person secretary company with name date | |
| 2024-10-23 | AA | accounts | Accounts with accounts type full | |
| 2024-10-16 | TM01 | officers | Termination director company with name termination date | |
| 2024-09-20 | TM02 | officers | Termination secretary company with name termination date | |
| 2024-09-03 | RP04AP01 | officers | Second filing of director appointment with name | |
| 2024-06-06 | TM01 | officers | Termination director company with name termination date | |
| 2024-02-14 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-12-21 | AP01 | officers | Appoint person director company with name date | |
| 2023-12-21 | TM01 | officers | Termination director company with name termination date | |
| 2023-10-10 | AA | accounts | Accounts with accounts type full | |
| 2023-09-07 | AP01 | officers | Appoint person director company with name date | |
| 2023-09-06 | TM01 | officers | Termination director company with name termination date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 7
- Capital events
- 0
- Officers appointed
- 1
- 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
-12.6%
£2,923,048 £2,555,629
lowest in 4 filed years
-
Cash
-48.2%
£317,485 £164,498
lowest in 4 filed years
-
Net assets
-499%
-£124,791 -£747,503
lowest in 4 filed years
-
Employees
-7.9%
76 70
lowest in 4 filed years
-
Operating profit
-397%
-£155,393 -£772,262
lowest in 4 filed years
-
Profit before tax
-421.6%
-£155,393 -£810,496
lowest in 4 filed years
-
Wages
-13.3%
£1,817,247 £1,574,733
lowest in 4 filed years
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