IPS PENSIONS LIMITED
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Next accounts due
2026-09-30 (in 4mo)
Last filed for 2024-12-31
Confirmation statement due
2027-03-09 (in 10mo)
Last made up 2026-02-23
Watchouts
Cash
£5M
-2.3% vs 2023
Net assets
£6M
+20.3% vs 2023
Employees
15
-25% vs 2023
Profit before tax
£2M
+13.8% vs 2023
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
4 officer resignations in last 12 months
Multiple officers have left the board recently — see the People section for who.
Name history
Renamed 2 times since incorporation
- IPS PENSIONS LIMITED 2007-05-03 → present
- IPS ACTUARIAL SERVICES LIMITED 1991-10-09 → 2007-05-03
- QUAYSHELFCO 364 LIMITED 1991-04-16 → 1991-10-09
Net assets
2-year trend · vs Financials median
Accounts
2-year trend · latest reflected 2024-12-31
| Metric | Trend | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Turnover | £3,963,000 | £3,600,000 | |
| Operating profit | £1,649,000 | £1,998,000 | |
| Profit before tax | £1,700,000 | £1,935,000 | |
| Net profit | £1,494,000 | £2,528,000 | |
| Cash | £5,107,000 | £4,992,000 | |
| Total assets less current liabilities | — | — | |
| Net assets | £5,173,000 | £6,225,000 | |
| Equity | £5,173,000 | £6,225,000 | |
| Average employees | 20 | 15 | |
| Wages | £887,000 | £753,000 |
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 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Operating margin | 41.6% | 55.5% | |
| Net margin | 37.7% | 70.2% | |
| Gearing (liabilities / total assets) | 21.9% | 14.0% | |
| Current ratio | 4.70x | 7.72x |
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
- Deloitte LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The Directors believe, after reviewing both the Company's forecasts and projections and taking into account any relevant macro-economic factors including inflation and interest rate movements, and changes in trading performance, that the Company will have sufficient current financial resources to continue to operate and to meet its financial obligations as they fall due, for at least the 12 months from the date of approval of these financial statements.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
6 active · 52 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| WAKEFORD, Helen Mary | Secretary | 2026-02-04 | — | — |
| CLARKSON, Alastair James | Director | 2025-10-01 | Feb 1966 | British |
| RILEY, Cathryn Elizabeth | Director | 2024-05-01 | Apr 1962 | British |
| RING, Andrew John | Director | 2025-10-01 | Jun 1983 | British |
| ROWNEY, Richard Alexander | Director | 2021-06-23 | Nov 1970 | British |
| WILSON, Gordon Alexander | Director | 2022-11-11 | Jun 1966 | British |
Show 52 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BRUCE, Michelle | Secretary | 2022-01-01 | 2025-02-01 |
| DARKE, Stephen John Charles | Secretary | 2015-12-31 | 2019-09-30 |
| DIXIE, Alice Sian Rhiannon | Secretary | 2025-02-01 | 2025-12-15 |
| DIXIE, Alice Sian Rhiannon | Secretary | 2019-09-30 | 2022-01-01 |
| DOW, Owen Glynne | Secretary | 2004-04-01 | 2008-05-21 |
| DOW, Owen Glynne | Secretary | 2004-04-01 | 2015-12-31 |
| PETHERICK, Louis | Secretary | 2025-12-15 | 2026-02-04 |
| SHRUBB, Richard James | Secretary | 1996-12-31 | 2004-04-01 |
| TARRAN, Paul James | Secretary | 1991-09-27 | 1996-12-31 |
| NQH (CO SEC) LIMITED | Corporate Nominee Secretary | 1991-04-16 | 1991-09-27 |
| BANKS, Christopher Charles | Director | 1991-09-27 | 1998-09-22 |
| BEALE, Richard Andrew | Director | 2008-01-21 | 2017-04-25 |
| BOGARD, Mark Alexander | Director | 2007-07-10 | 2011-05-17 |
| BOURKE, Mark George | Director | 2011-05-25 | 2014-04-25 |
| BOUSFIELD, Clare Jane | Director | 2024-07-01 | 2025-06-30 |
| BUNT, Maureen Margaret | Director | 2007-02-07 | 2007-12-06 |
| BUNT, Maureen Margaret | Director | 2004-04-13 | 2006-12-18 |
| BURTONSHAW, Peter Mark | Director | 2013-12-19 | 2015-04-17 |
| CLARKSON, Geoffrey Stephen | Director | 2017-02-16 | 2019-09-13 |
| CONWAY, Alastair | Director | 2013-03-25 | 2020-12-14 |
| COTTER, John Anthony | Director | 2015-04-21 | 2018-04-17 |
| CURTIS, Rupert Morris | Director | 1991-07-26 | 2008-05-21 |
| DAVIDSON, Judith Mary | Director | 2022-12-16 | 2024-05-01 |
| DEARSLEY, Arthur Mark | Director | 2019-10-16 | 2022-11-11 |
| DIGNAM, Keith Martin | Director | 2014-10-30 | 2019-09-13 |
| DOW, Owen Glynne | Director | 1994-06-01 | 2015-12-31 |
| ERHARDT, David Anthony | Director | 2003-10-01 | 2004-03-10 |
| FILSHIE, Alexander | Director | 2024-02-26 | 2024-12-20 |
| HOSKINS, Richard | Director | 2022-12-02 | 2025-10-01 |
| HOWARD, Gavin | Director | 2019-02-05 | 2022-09-12 |
| ISDEN, Glyn Roy | Director | 2008-11-07 | 2009-07-08 |
| JAMES, Francis Arthur Anthony | Director | 1998-09-24 | 2004-03-10 |
| KNOWLES, Peter Thomas | Director | 2004-04-13 | 2006-12-13 |
| MATTISON, Richard Thomas | Director | 2008-02-28 | 2011-09-23 |
| MCCOO, Iain Beattie | Director | 2015-10-23 | 2019-06-28 |
| MCNAMARA, Paul Gerard | Director | 2015-05-01 | 2016-09-13 |
| MOODY, Colin Stephen | Director | 2015-08-05 | 2016-04-28 |
| PAGE, David Keith | Director | 2015-11-10 | 2016-07-13 |
| PAIGE, David Victor | Director | 2019-10-16 | 2022-12-02 |
| PRIESTLEY, William De Bretton | Director | 2019-10-16 | 2023-01-11 |
| PURVES, Kathryn Elizabeth | Director | 2017-02-14 | 2024-06-07 |
| REGAN, Michael Robert | Director | 2022-09-12 | 2024-03-08 |
| ROWNEY, Richard Alexander | Director | 2020-10-05 | 2020-10-05 |
| SARGISSON, Timothy Charles | Director | 2008-02-26 | 2013-03-25 |
| TARRAN, Paul James | Director | 1991-09-27 | 1996-12-31 |
| TEMBLETT, Richard Colin | Director | 2005-01-09 | 2006-12-13 |
| VALENTINE, Richard Mark | Director | 2008-02-28 | 2014-12-31 |
| WARRACK, Julia Mary | Director | 2018-05-23 | 2018-11-30 |
| WATSON, John Anderson Scotland | Director | 2008-01-21 | 2015-04-07 |
| WILLIAMS, Andrew | Director | 2004-04-13 | 2004-12-01 |
| WILSON, Owen Henry | Director | 2019-10-16 | 2022-09-21 |
| NQH LIMITED | Corporate Nominee Director | 1991-04-16 | 1991-06-26 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Nucleus Financial Platforms Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Active |
Filing timeline
Last 20 of 233 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-03-04 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2026-03-03 | PSC05 | persons-with-significant-control | Change to a person with significant control | |
| 2026-02-11 | AP03 | officers | Appoint person secretary company with name date | |
| 2026-02-11 | TM02 | officers | Termination secretary company with name termination date | |
| 2026-01-07 | AP03 | officers | Appoint person secretary company with name date | |
| 2026-01-07 | TM02 | officers | Termination secretary company with name termination date | |
| 2025-10-23 | AP01 | officers | Appoint person director company with name date | |
| 2025-10-13 | TM01 | officers | Termination director company with name termination date | |
| 2025-10-13 | AP01 | officers | Appoint person director company with name date | |
| 2025-09-29 | AA | accounts | Accounts with accounts type full | |
| 2025-07-04 | TM01 | officers | Termination director company with name termination date | |
| 2025-03-06 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-02-06 | AP03 | officers | Appoint person secretary company with name date | |
| 2025-02-03 | TM02 | officers | Termination secretary company with name termination date | |
| 2025-01-31 | AD01 | address | Change registered office address company with date old address new address | |
| 2025-01-23 | AD01 | address | Change registered office address company with date old address new address | |
| 2025-01-03 | TM01 | officers | Termination director company with name termination date | |
| 2024-11-14 | CH01 | officers | Change person director company with change date | |
| 2024-10-08 | AA | accounts | Accounts with accounts type full | |
| 2024-07-08 | AP01 | officers | Appoint person director company with name date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 11
- Capital events
- 0
- Officers appointed
- 3
- Officers resigned
- 4
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
-9.2%
£3,963,000 £3,600,000
-
Cash
-2.3%
£5,107,000 £4,992,000
-
Net assets
+20.3%
£5,173,000 £6,225,000
-
Employees
-25%
20 15
-
Operating profit
+21.2%
£1,649,000 £1,998,000
-
Profit before tax
+13.8%
£1,700,000 £1,935,000
-
Wages
-15.1%
£887,000 £753,000
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