TOGETHER PERSONAL FINANCE LIMITED
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Next accounts due
2027-03-31 (in 10mo)
Last filed for 2025-06-30
Confirmation statement due
2026-06-23 (in 1mo)
Last made up 2025-06-09
Watchouts
None on the register
Cash
£8M
-18.6% vs 2024
Net assets
—
Equity attributable
Employees
0
Average over period
Profit before tax
£13M
+37.2% vs 2024
Name history
Renamed 1 time since incorporation
- TOGETHER PERSONAL FINANCE LIMITED 2017-01-09 → present
- CHESHIRE MORTGAGE CORPORATION LIMITED 1991-05-22 → 2017-01-09
Profit before tax
2-year trend · vs Financials median
Accounts
2-year trend · latest reflected 2025-06-30
| Metric | Trend | 2024-06-30 | 2025-06-30 |
|---|---|---|---|
| Turnover | — | — | |
| Operating profit | £9,700,000 | £14,600,000 | |
| Profit before tax | £9,400,000 | £12,900,000 | |
| Net profit | £9,300,000 | £12,800,000 | |
| Cash | £9,700,000 | £7,900,000 | |
| Total assets less current liabilities | — | — | |
| Net assets | — | — | |
| Equity | £109,000,000 | £121,800,000 | |
| 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 | 2024-06-30 | 2025-06-30 |
|---|---|---|---|
| Interest cover | 0.13x | 0.19x |
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 Board of Together Financial Services Limited has confirmed that it is a going concern and that it will provide financial support to the Company for the going concern assessment period ending 16 September 2026, which is 12 months from the date of signing this report.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
7 active · 40 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| HANKIN, Andrew Anthony | Secretary | 2025-03-13 | — | — |
| BARKER, John Stephen | Director | 2024-10-17 | Dec 1985 | British |
| BECKETT, Gary Derek | Director | 2000-06-15 | Jan 1969 | British |
| GREGORY, Richard John | Director | 2019-01-31 | Aug 1954 | British |
| HOGAN, Jonathan Derek | Director | 2023-01-16 | Oct 1969 | British |
| HOOPER, John Elliott | Director | 2020-01-02 | May 1961 | British |
| WILSON, Paul Antony | Director | 2018-03-22 | Apr 1971 | British |
Show 40 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BARNACLE, Keith | Secretary | 1993-10-26 | 1995-04-24 |
| BECKETT, Gary Derek | Secretary | 2013-12-06 | 2016-04-26 |
| BECKETT, Gary Derek | Secretary | 1998-08-06 | 2006-04-05 |
| BLAKE, Sarah Elizabeth | Secretary | 2017-04-12 | 2025-03-13 |
| DALE, Nigel Andrew | Secretary | 2016-04-25 | 2017-04-12 |
| MOSER, Dorah Leah | Secretary | 1991-05-22 | 1993-10-26 |
| RICHARDS, Martin Basil | Secretary | 1995-04-24 | 1998-08-06 |
| RIDLEY, Matthew John | Secretary | 2006-04-05 | 2013-12-06 |
| BRITANNIA COMPANY FORMATIONS LIMITED | Corporate Nominee Secretary | 1991-05-22 | 1991-05-22 |
| BAILEY, Gary | Director | 2006-09-14 | 2012-09-06 |
| BAILEY, Tracey | Director | 2006-04-28 | 2012-08-03 |
| BAKER, Stephen Paul | Director | 2008-07-02 | 2016-04-27 |
| BALL, Peter Simon | Director | 2016-09-05 | 2024-04-24 |
| BAXTER, Ronald | Director | 2016-03-22 | 2019-09-30 |
| BEAN, Stuart | Director | 2008-06-05 | 2010-08-03 |
| BENNETT, David Jonathan | Director | 2012-10-03 | 2019-01-31 |
| BLYTHE, Elizabeth Anne | Director | 2019-09-02 | 2023-06-29 |
| BOWSER, Wayne | Director | 2018-01-15 | 2019-09-24 |
| BOWSER, Wayne | Director | 2017-10-18 | 2017-12-07 |
| BOWSER, Wayne | Director | 2016-02-22 | 2016-03-23 |
| GOLBY, Marcus John Joseph Reynolds | Director | 2016-03-22 | 2019-01-31 |
| GOLDBERG, Marc Richard | Director | 2001-03-02 | 2017-04-18 |
| GRANT, Adrian Joseph | Director | 1994-07-29 | 2006-04-06 |
| HACKING, Christopher William | Director | 2000-09-01 | 2001-11-07 |
| JENNISON, Gary Antony | Director | 2013-10-01 | 2015-09-30 |
| KERSLEY, Colin Martin | Director | 2016-04-25 | 2016-11-18 |
| LAWTON, Andrew Geoffrey | Director | 2008-06-05 | 2010-08-03 |
| MCTIGHE, Robert Michael | Director | 2012-10-03 | 2019-01-31 |
| MOSER, Dorah Leah | Director | 1991-05-22 | 1994-07-29 |
| MOSER, Gerald Maurice | Director | 1991-05-22 | 1993-09-27 |
| MOSER, Henry Neville | Director | 2014-07-14 | 2019-06-04 |
| MOSER, Henry Neville | Director | 1994-07-29 | 2013-06-06 |
| O'HARE, Steven Jonathan | Director | 2013-12-06 | 2016-03-23 |
| PUNSHON, Colin John | Director | 1994-07-29 | 1998-06-16 |
| RICHARDS, Martin Basil | Director | 1998-08-06 | 2000-09-01 |
| RIDLEY, Matthew John | Director | 2007-07-27 | 2010-08-03 |
| SEABRIDGE, David John | Director | 2001-09-03 | 2002-11-01 |
| SHAOUL, Joseph Michael | Director | 2006-04-06 | 2017-04-18 |
| SMITH, John Edward | Director | 2000-06-15 | 2001-01-29 |
| DEANSGATE COMPANY FORMATIONS LIMITED | Corporate Nominee Director | 1991-05-22 | 1991-05-22 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Together Financial Services Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Active |
Filing timeline
Last 20 of 236 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2025-10-13 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2025-10-03 | AA | accounts | Accounts with accounts type full | |
| 2025-06-11 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2025-06-09 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-03-17 | AP03 | officers | Appoint person secretary company with name date | |
| 2025-03-17 | TM02 | officers | Termination secretary company with name termination date | |
| 2024-10-17 | AP01 | officers | Appoint person director company with name date | |
| 2024-10-01 | AA | accounts | Accounts with accounts type full | |
| 2024-07-30 | CH03 | officers | Change person secretary company with change date | |
| 2024-06-10 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-04-25 | TM01 | officers | Termination director company with name termination date | |
| 2024-04-15 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2024-01-08 | CH01 | officers | Change person director company with change date | |
| 2023-11-22 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2023-11-22 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2023-11-22 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2023-11-22 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2023-11-22 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2023-11-22 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2023-11-22 | MR04 | mortgage | Mortgage satisfy charge 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 2025-06-30 vs 2024-06-30
-
Turnover
—
Not reported
-
Cash
-18.6%
£9,700,000 £7,900,000
-
Net assets
—
Not reported
-
Employees
—
Not reported
-
Operating profit
+50.5%
£9,700,000 £14,600,000
-
Profit before tax
+37.2%
£9,400,000 £12,900,000
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