VIRGIN MONEY PERSONAL FINANCIAL SERVICE LIMITED
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Next accounts due
2026-12-31 (in 7mo)
Last filed for 2025-03-31
Confirmation statement due
2026-08-15 (in 3mo)
Last made up 2025-08-01
Watchouts
Cash
£0
Latest balance sheet
Net assets
—
Equity attributable
Employees
0
Average over period
Profit before tax
-£8K
Period ending 2025-03-31
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
3 officer resignations in last 12 months
Multiple officers have left the board recently — see the People section for who.
Name history
Renamed 3 times since incorporation
- VIRGIN MONEY PERSONAL FINANCIAL SERVICE LIMITED 2002-02-04 → present
- VIRGIN DIRECT PERSONAL FINANCIAL SERVICE LIMITED 1996-05-17 → 2002-02-04
- VIRGIN DIRECT UNIT TRUST MANAGERS LIMITED 1995-10-30 → 1996-05-17
- SPEED 5073 LIMITED 1995-06-27 → 1995-10-30
Profit before tax
2-year trend · vs Industrials median
Accounts
2-year trend · latest reflected 2025-03-31
| Metric | Trend | 2023-09-30 | 2025-03-31 |
|---|---|---|---|
| Turnover | £3,000 | £2,000 | |
| Operating profit | — | — | |
| Profit before tax | -£13,000 | -£8,000 | |
| Net profit | -£13,000 | -£8,000 | |
| Cash | £7,764,000 | £0 | |
| Total assets less current liabilities | — | — | |
| Net assets | — | — | |
| Equity | £7,746,000 | £100,000 | |
| 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 | 2023-09-30 | 2025-03-31 |
|---|---|---|---|
| Net margin | -433.3% | -400.0% |
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
- UK adopted International Accounting Standards
- Reporting scope
- Standalone (parent only)
- Auditor
- Ernst & Young LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The Directors have made an assessment of the Company's ability to continue as a going concern and have considered a number of factors. The Company incurred residual winding down transactional activity in the period and became dormant from 27 September 2024. There are, however, no immediate plans to liquidate the Company and the Directors are satisfied that it has adequate resources to continue in business for at least 12 months from the approval of the financial statements. Accordingly, the Directors adopt the going concern basis in preparing the Annual report and financial statements.”
Significant events
- “On 1 October 2024, Virgin Money was acquired by Nationwide Building Society (Nationwide).”
- “On 29 September 2022, the Company novated its life insurance contract with BISL Limited to a fellow subsidiary company CYB Intermediaries Limited. Since then, only residual trading activity has taken place and activities during the period relate to residual winding down transactional activity. The last transaction occurred on 27 September 2024 and the Company has been dormant thereafter.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
4 active · 65 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| NBS COSEC LIMITED | Corporate Secretary | 2025-07-31 | — | — |
| BATES, Peter John | Director | 2026-02-11 | Jan 1980 | British |
| SHUFFLETON, Joanne Lucy | Director | 2026-02-11 | Sep 1982 | British |
| WRIGHT, Jason Leslie | Director | 2026-02-11 | Nov 1970 | British |
Show 65 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BAYLISS, Joshua | Secretary | 2006-08-31 | 2007-03-01 |
| FITZPATRICK, Jasan | Secretary | 2012-02-16 | 2012-05-23 |
| GADHIA, Jayne-Anne | Secretary | 1995-07-13 | 1997-04-23 |
| GERRARD, Barry Alexander Ralph | Secretary | 2007-03-01 | 2012-02-16 |
| GRAM, Peter Gerardus | Secretary | 2000-03-17 | 2006-08-31 |
| LEGGE, Diana Patricia | Secretary | 1997-04-23 | 2000-03-17 |
| MARSHALL, Katie Jane | Secretary | 2013-10-01 | 2019-03-01 |
| MCMILLAN, Lorna Forsyth | Secretary | 2019-03-01 | 2025-07-31 |
| PEARSON, William Stephen | Secretary | 2012-05-23 | 2013-10-01 |
| WATERLOW SECRETARIES LIMITED | Corporate Nominee Secretary | 1995-06-27 | 1995-07-13 |
| ABBOTT, Trevor Michael | Director | 1996-09-16 | 1997-12-09 |
| ABRAHAMS, Clifford James | Director | 2022-03-18 | 2024-12-15 |
| ANDERSON, Philip John | Director | 2000-03-17 | 2001-10-31 |
| BATCHELOR, Paul John | Director | 1999-11-05 | 2002-10-21 |
| BOLE, Peter Douglas | Director | 2017-01-31 | 2019-02-26 |
| BOWKER, Steven Richard | Director | 2001-01-11 | 2001-11-30 |
| BRANSON, Richard Charles Nicholas, Sir | Director | 1996-09-16 | 2004-05-06 |
| CHATER, Hugh Leathley | Director | 2020-07-08 | 2023-11-08 |
| CLEGG, Simon John | Director | 1998-11-18 | 1999-10-13 |
| CLIFFORD, Robert Martin | Director | 2009-02-12 | 2009-05-08 |
| CREESE, Neville Charles | Director | 1997-04-23 | 1998-01-21 |
| DUFFY, David Joseph | Director | 2018-10-15 | 2020-07-08 |
| DYER, David Norman | Director | 2007-08-16 | 2010-02-22 |
| EVANS, Darrell Paul | Director | 2015-06-22 | 2015-12-09 |
| FAIRMAN, Richard William Mark | Director | 2005-04-12 | 2007-07-25 |
| FIELD, Trevor John | Director | 2005-04-12 | 2007-07-31 |
| GADHIA, Jayne-Anne | Director | 2016-12-28 | 2018-10-15 |
| GADHIA, Jayne-Anne | Director | 2007-03-30 | 2009-02-12 |
| GADHIA, Jayne-Anne | Director | 1995-07-13 | 2001-07-27 |
| GORMAN, William Richard | Director | 1998-08-12 | 2002-10-21 |
| GORMLEY, Rowan | Director | 1995-07-13 | 2000-02-11 |
| HODGKINSON, Mark Philip | Director | 2003-07-09 | 2007-06-04 |
| HULL, Gordon Robert | Director | 2016-05-06 | 2017-01-24 |
| JOHNSON, Peter Thomas | Director | 1999-11-05 | 2000-09-09 |
| JOHNSON, Peter Thomas | Director | 1999-01-28 | 1999-09-24 |
| KING, Michael David | Director | 1997-04-23 | 1999-08-25 |
| LARKIN, Ian David | Director | 2002-04-18 | 2005-07-01 |
| LEEMING, Simon Edward | Director | 2001-09-25 | 2007-09-14 |
| LYALL, Grant Alexander | Director | 2016-01-04 | 2017-01-24 |
| MARTIN, Marian Macdonald | Director | 2007-08-22 | 2019-01-01 |
| MCCALLUM, Gordon Douglas | Director | 1998-08-12 | 2004-05-05 |
| MELLER, Craig Duncan | Director | 2000-01-14 | 2001-07-25 |
| MOODY, Annette Sheila | Director | 2005-11-15 | 2007-07-31 |
| MURPHY, Fergus John | Director | 2020-07-08 | 2022-03-18 |
| MURPHY, Stephen Thomas Matthew | Director | 1996-09-16 | 2000-09-09 |
| PARKER, Mark Ashley | Director | 2012-03-01 | 2015-09-23 |
| PATRIZI, Allegra Cristina | Director | 2023-11-08 | 2024-10-28 |
| PESTER, Paul David, Doctor | Director | 1999-07-27 | 2005-07-01 |
| RHODES, Christopher Stuart | Director | 2024-10-29 | 2026-02-11 |
| RUSSELL, Roland John | Director | 2009-05-22 | 2011-08-31 |
| SCHWARTZ, Jonathan Eliot | Director | 1996-09-16 | 1998-08-12 |
| SELBY, Mark Edward | Director | 2012-03-01 | 2012-03-01 |
| SELBY, Mark Edward | Director | 2011-11-09 | 2012-02-16 |
| SKELLERN, Jodie | Director | 1996-09-16 | 1997-09-09 |
| SMITH, Ian Stuart | Director | 2019-02-27 | 2020-07-08 |
| THOMPSON, Trevor James | Director | 1998-08-12 | 2000-11-23 |
| THUNDERCLIFFE, Mark John | Director | 2019-01-01 | 2020-07-08 |
| TRUMBULL III, George Rea | Director | 1996-09-16 | 1999-09-24 |
| TYLER, William Ker | Director | 2005-04-12 | 2005-09-08 |
| WADE, Timothy Cardwell | Director | 2001-01-11 | 2002-10-14 |
| WATSON, Anthony | Director | 1996-09-16 | 1998-08-12 |
| WILLIAMSON, Finlay Ferguson | Director | 2010-02-22 | 2014-04-15 |
| WOOD, Antony Michael | Director | 1995-07-13 | 1998-03-25 |
| ZABORSZKY, Gergely Mark | Director | 2025-03-04 | 2026-01-31 |
| WATERLOW NOMINEES LIMITED | Corporate Nominee Director | 1995-06-27 | 1995-07-13 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Virgin Money Holdings (Uk) Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Active |
Filing timeline
Last 20 of 305 total filings
Material constitutional events — rename, articles re-file, resolution
- 2024-07-04 RESOLUTIONS Resolution
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-02-11 | AP01 | officers | Appoint person director company with name date | |
| 2026-02-11 | AP01 | officers | Appoint person director company with name date | |
| 2026-02-11 | TM01 | officers | Termination director company with name termination date | |
| 2026-02-11 | AP01 | officers | Appoint person director company with name date | |
| 2026-02-11 | TM01 | officers | Termination director company with name termination date | |
| 2025-08-11 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2025-08-05 | AP04 | officers | Appoint corporate secretary company with name date | |
| 2025-08-05 | TM02 | officers | Termination secretary company with name termination date | |
| 2025-07-30 | AA | accounts | Accounts with accounts type full | |
| 2025-03-06 | AP01 | officers | Appoint person director company with name date | |
| 2024-12-17 | TM01 | officers | Termination director company with name termination date | |
| 2024-11-11 | AP01 | officers | Appoint person director company with name date | |
| 2024-11-11 | TM01 | officers | Termination director company with name termination date | |
| 2024-10-01 | AA01 | accounts | Change account reference date company current extended | |
| 2024-08-12 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-07-04 | SH19 | capital | Capital statement capital company with date currency figure | |
| 2024-07-04 | CAP-SS | insolvency | Legacy | |
| 2024-07-04 | SH20 | capital | Legacy | |
| 2024-07-04 | RESOLUTIONS | resolution | Resolution | |
| 2024-02-05 | CH03 | officers | Change person secretary company with change date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 9
- Capital events
- 2
- Officers appointed
- 4
- Officers resigned
- 3
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 → FY2025 · period ending 2025-03-31 vs 2023-09-30