PARAGON PERSONAL FINANCE (1) LIMITED
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Next accounts due
2027-06-30 (in 1y)
Last filed for 2025-09-30
Confirmation statement due
2027-01-27 (in 8mo)
Last made up 2026-01-13
Watchouts
None on the register
Cash
£80K
+9.6% vs 2024
Net assets
£13M
+6.5% vs 2024
Employees
0
Average over period
Profit before tax
£1M
+19.5% vs 2024
Name history
Renamed 1 time since incorporation
- PARAGON PERSONAL FINANCE (1) LIMITED 2008-02-25 → present
- PARAGON PERSONAL FINANCE LIMITED 1997-01-13 → 2008-02-25
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 | £1,119,000 | £1,099,000 | |
| Operating profit | £897,000 | £1,072,000 | |
| Profit before tax | £897,000 | £1,072,000 | |
| Net profit | £673,000 | £804,000 | |
| Cash | £73,000 | £80,000 | |
| Total assets less current liabilities | £12,337,000 | £13,141,000 | |
| Net assets | £12,337,000 | £13,141,000 | |
| Equity | £12,337,000 | £13,141,000 | |
| 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 |
|---|---|---|---|
| Operating margin | 80.2% | 97.5% | |
| Net margin | 60.1% | 73.2% | |
| Return on capital employed | 7.3% | 8.2% | |
| Gearing (liabilities / total assets) | 2.0% | 2.3% | |
| Current ratio | 49.57x | 43.12x |
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
- KPMG LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“After considering the Company's position, the economic environment and the forecasts described above, the directors have a reasonable expectation that the Company will have adequate resources to continue in operational existence for the foreseeable future. This is further supported by the Group holding sufficient cash resources to support the Company's obligations as they fall due. For this reason, they continue to adopt the going concern basis in preparing the Financial Statements.”
Significant events
- “While the economic outlook has not changed greatly over the course of the year, the principal UK economic indicators have been subject to fluctuations in the period. The longer-term results of the policies being adopted by the UK government elected in 2024, and the fiscal and economic measures announced in its October 2024 budget have yet to become clear, and there have been a number of significant leadership changes in major economies in the past twelve months which have the potential to impact on the global outlook.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
2 active · 10 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| ALLEN, Keith Graham | Director | 2015-09-23 | Jul 1972 | British |
| WOODMAN, Richard James | Director | 2014-05-27 | May 1965 | British |
Show 10 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| GEMMELL, John Grigor | Secretary | 1997-01-20 | 2014-06-30 |
| SHARP, Pandora | Secretary | 2014-06-30 | 2020-06-01 |
| RUTLAND SECRETARIES LIMITED | Corporate Nominee Secretary | 1997-01-13 | 1997-01-20 |
| CARROLL, Peter Joseph | Director | 1999-03-02 | 2003-03-31 |
| GEMMELL, John Grigor | Director | 1997-01-20 | 2014-06-30 |
| KEEN, Nicholas | Director | 1997-01-20 | 2009-05-01 |
| MEHMET, Adem | Director | 1999-05-14 | 2010-05-14 |
| PANDYA, Pawan | Director | 1997-03-27 | 2003-02-18 |
| SHELTON, Richard Dominic | Director | 1997-01-20 | 2021-02-03 |
| RUTLAND DIRECTORS LIMITED | Corporate Nominee Director | 1997-01-13 | 1997-01-20 |
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 198 total filings
Material constitutional events — rename, articles re-file, resolution
- 2025-12-21 RESOLUTIONS Resolution
- 2025-12-21 MA Memorandum articles
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-03-10 | AA | accounts | Accounts with accounts type full | |
| 2026-01-13 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-12-21 | RESOLUTIONS | resolution | Resolution | |
| 2025-12-21 | MA | incorporation | Memorandum articles | |
| 2025-03-05 | AA | accounts | Accounts with accounts type full | |
| 2025-01-14 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-02-20 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2024-02-20 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2024-02-20 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2024-02-20 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2024-02-15 | AA | accounts | Accounts with accounts type full | |
| 2024-01-16 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-02-16 | AA | accounts | Accounts with accounts type full | |
| 2023-01-13 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-02-08 | AA | accounts | Accounts with accounts type full | |
| 2022-01-13 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2021-02-16 | AA | accounts | Accounts with accounts type full | |
| 2021-02-03 | TM01 | officers | Termination director company with name termination date | |
| 2021-01-14 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2020-06-09 | TM02 | officers | Termination secretary company with name termination date |
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
-1.8%
£1,119,000 £1,099,000
-
Cash
+9.6%
£73,000 £80,000
-
Net assets
+6.5%
£12,337,000 £13,141,000
-
Employees
—
Not reported
-
Operating profit
+19.5%
£897,000 £1,072,000
-
Profit before tax
+19.5%
£897,000 £1,072,000
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