EMBARK GROUP LIMITED
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Next accounts due
2027-09-30 (in 1y)
Last filed for 2025-12-31
Confirmation statement due
2026-11-28 (in 6mo)
Last made up 2025-11-14
Watchouts
Cash
—
Latest balance sheet
Net assets
—
Equity attributable
Employees
—
Average over period
Profit before tax
£7M
+38.8% vs 2024
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 1 time since incorporation
- EMBARK GROUP LIMITED 2015-12-07 → present
- HORNBUCKLE MITCHELL HOLDINGS LIMITED 1998-06-09 → 2015-12-07
Net assets
2-year trend · vs Industrials median
Accounts
2-year trend · latest reflected 2025-12-31
| Metric | Trend | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Turnover | £18,000,000 | £10,000,000 | |
| Operating profit | £5,042,000 | £6,971,000 | |
| Profit before tax | £5,024,000 | £6,971,000 | |
| Net profit | £17,628,000 | £6,994,000 | |
| Cash | — | — | |
| Total assets less current liabilities | — | — | |
| Net assets | £422,315,000 | — | |
| Equity | £422,315,000 | — | |
| Average employees | — | — | |
| 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 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating margin | 28.0% | 69.7% | |
| Net margin | 97.9% | 69.9% | |
| Gearing (liabilities / total assets) | 0.1% | — | |
| Interest cover | 280.11x | — |
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
- IFRS
- Reporting scope
- Standalone (parent only)
- Auditor
- Deloitte LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The Directors have given careful consideration to the future prospects of the Company in deciding upon the appropriateness of the going concern basis of preparation. The financial position of the Company, its cash flows, liquidity, and financial position have been reviewed by the Directors for the next 12 months from the date of this report... Based on this review, the Directors are comfortable that the Company has adequate resources available to continue in operational existence for the foreseeable future, being the next 12 months from the date of this report. Thus, they continue to adopt the going concern basis of accounting in preparing the annual report and financial statements.”
Group structure
- EMBARK GROUP LIMITED · parent
- Embark Services Limited 100%
- Hornbuckle Mitchell Trustees Limited 100%
- Embark Trustees Limited 100%
- Embark Investment Services Limited 100%
- Charterhall Nominees Limited 100%
- Embark Investment Services Nominees Limited 100%
- Avalon SIPP Trustees Limited 100%
- Avalon Investment Services (Nominees) Limited 100%
- The Adviser Centre Limited 100%
- Embark Corporate Services Limited 100%
- EBS Pensions Limited 100%
- Alpha Trustees Limited 100%
- EBS Pensioneer Trustees Limited 100%
- EBS Self-Administered Personal Pension Plan Trustees Limited 100%
- Embark Pensions Trustees Limited 100%
- Sterling ISA Managers Limited 100%
- Sterling ISA Managers (Nominees) Limited 100%
- Embark Investments Limited 100%
- Halifax Share Dealing Limited 100%
Significant events
- “February the Board approved the Scottish Widows Lifetime Investment as the new workplace pension default, reflecting customer feedback.”
- “Later in the year the Board supported offering an integrated Long-Term Asset Fund to give workplace pension customers access to private market investments.”
- “June the Board looked in depth at its strategic vision to create Britain's most distinctive retirement proposition, including innovation via the Customer Waterfront.”
- “October the Board announced the acquisition of Schroders Personal Wealth, to create a seamless end-to-end wealth proposition under one brand.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
11 active · 42 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| RAMAN, Krishna Venkata | Secretary | 2026-03-01 | — | — |
| BARUA, Chirantan | Director | 2024-09-01 | Nov 1973 | British |
| BRUMPTON, Dena Jane | Director | 2026-02-02 | Dec 1963 | British |
| CHALMERS, William Leon David | Director | 2024-09-01 | Jul 1968 | British |
| COOPER, Kirstine Ann | Director | 2024-09-01 | Aug 1964 | British |
| CUHLS, Matthew Hilmar | Director | 2024-09-01 | Aug 1974 | British |
| MCNAMARA, Paul Gerard | Director | 2024-09-02 | Sep 1966 | Irish |
| MOULDER, Christopher John George | Director | 2024-09-01 | Feb 1958 | British |
| NYAHASHA, Shingirai Thaddeus | Director | 2024-09-01 | Jan 1974 | British |
| SCHUMACHER, Gayle Elaine | Director | 2024-09-01 | May 1959 | British |
| TRUSSELL, Mary Helen | Director | 2025-07-07 | Jun 1963 | British |
Show 42 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| CAMBONIE, Vincent Philippe Francois | Secretary | 2018-07-12 | 2020-12-08 |
| CAMBONIE, Vincent Philippe Francois | Secretary | 2016-02-25 | 2017-05-19 |
| JORDAN, Ana Louise | Secretary | 2022-06-21 | 2024-09-12 |
| KENNEDY, John Leslie | Secretary | 2014-05-23 | 2014-08-28 |
| MCGRADY, George | Secretary | 2014-09-30 | 2015-07-23 |
| MEGAW, Nicola | Secretary | 2020-12-08 | 2022-06-21 |
| PANCHOLI, Sanjaykumar | Secretary | 1998-06-09 | 2006-11-14 |
| RATHORE, Afshan | Secretary | 2017-05-19 | 2018-07-12 |
| RIDDY, Caroline Anne | Secretary | 2024-09-13 | 2026-02-28 |
| SCRIVENER, Nenette | Secretary | 2006-11-14 | 2009-07-24 |
| HALLMARK SECRETARIES LIMITED | Corporate Nominee Secretary | 1998-06-09 | 1998-06-09 |
| ANDERSON, Jonathan | Director | 2022-01-31 | 2024-08-31 |
| BARRAL, David Barclay | Director | 2021-04-01 | 2022-01-31 |
| BATES, Christopher Marshall | Director | 2002-11-01 | 2008-08-29 |
| BELCHER, Vivienne | Director | 2002-11-01 | 2013-05-10 |
| CAMBONIE, Vincent Philippe Francois | Director | 2017-10-03 | 2022-01-31 |
| CHURCHILL, Lawrence | Director | 2019-11-01 | 2020-07-31 |
| DAVIES, Priscilla Ann | Director | 2021-06-07 | 2023-06-30 |
| DAVIS, Deborah Lee | Director | 2024-09-01 | 2025-03-18 |
| DENISON, Trevor Newton | Director | 1998-06-09 | 2009-11-02 |
| DIXON, Gary | Director | 2011-05-26 | 2012-10-31 |
| ETHERINGTON, David John | Director | 2014-03-27 | 2021-04-04 |
| GREEN, Peter Robert | Director | 2011-05-26 | 2013-08-31 |
| GUILD, Scott Cameron | Director | 2022-01-31 | 2024-08-31 |
| HARRIS, Joanna Kate | Director | 2024-09-01 | 2025-06-04 |
| HEMLIN, Michael John | Director | 1998-06-09 | 2004-05-17 |
| HORNBUCKLE, Stephen Richard | Director | 1998-06-09 | 2003-12-01 |
| LEIPER, Jackie | Director | 2022-01-31 | 2024-08-31 |
| LOWE, Jacqueline | Director | 2023-02-01 | 2023-09-30 |
| MACKECHNIE, Donald | Director | 2022-01-31 | 2024-08-31 |
| MARSH, Neil Duncan | Director | 1998-06-09 | 2008-05-22 |
| MCMAHON, Paul | Director | 2022-05-26 | 2024-08-31 |
| O'CONNOR, Sophie Jane | Director | 2022-01-31 | 2023-09-30 |
| RUVIGNY, Rupert Francis James Henry | Director | 2017-01-30 | 2022-01-31 |
| SKINNER, Dudley Mark Hewitt | Director | 2017-01-30 | 2024-08-31 |
| SMITH, Phillip | Director | 2013-05-23 | 2021-09-01 |
| STUBBS, Mark Christopher | Director | 1998-06-09 | 2006-02-10 |
| WEBBER, Nigel John | Director | 2017-01-30 | 2017-11-30 |
| WHEWAY, Jonathan Scott | Director | 2024-09-01 | 2025-10-31 |
| WHITE, David | Director | 2002-11-01 | 2022-01-31 |
| WOHANKA, Richard Leslie Martin | Director | 2013-05-23 | 2019-09-24 |
| HALLMARK REGISTRARS LIMITED | Corporate Nominee Director | 1998-06-09 | 1998-06-09 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Scottish Widows Group Limited | Corporate entity | Shares 75–100% | 2022-01-31 | Active |
| Mr Richard Leslie Martin Wohanka | Individual | Shares 25–50% | 2016-04-06 | Ceased 2019-10-08 |
Filing timeline
Last 20 of 278 total filings
Material constitutional events — rename, articles re-file, resolution
- 2025-11-12 RESOLUTIONS Resolution
- 2025-11-10 RESOLUTIONS Resolution
- 2025-11-10 MA Memorandum articles
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-04-05 | AA | accounts | Accounts with accounts type full | |
| 2026-03-02 | TM02 | officers | Termination secretary company with name termination date | |
| 2026-03-02 | AP03 | officers | Appoint person secretary company with name date | |
| 2026-02-03 | AP01 | officers | Appoint person director company with name date | |
| 2025-11-14 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2025-11-12 | SH20 | capital | Legacy | |
| 2025-11-12 | SH19 | capital | Capital statement capital company with date currency figure | |
| 2025-11-12 | CAP-SS | insolvency | Legacy | |
| 2025-11-12 | RESOLUTIONS | resolution | Resolution | |
| 2025-11-10 | RESOLUTIONS | resolution | Resolution | |
| 2025-11-10 | MA | incorporation | Memorandum articles | |
| 2025-11-07 | SH08 | capital | Capital name of class of shares | |
| 2025-11-07 | SH10 | capital | Capital variation of rights attached to shares | |
| 2025-11-04 | TM01 | officers | Termination director company with name termination date | |
| 2025-07-16 | AP01 | officers | Appoint person director company with name date | |
| 2025-06-13 | AA | accounts | Accounts with accounts type full | |
| 2025-06-05 | TM01 | officers | Termination director company with name termination date | |
| 2025-03-19 | TM01 | officers | Termination director company with name termination date | |
| 2025-03-10 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-12-11 | TM01 | officers | Termination director company with name termination date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 17
- Capital events
- 4
- Officers appointed
- 3
- 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
FY2024 → FY2025 · period ending 2025-12-31 vs 2024-12-31
-
Turnover
-44.4%
£18,000,000 £10,000,000
-
Cash
—
Not reported
-
Net assets
—
Not reported
-
Employees
—
Not reported
-
Operating profit
+38.3%
£5,042,000 £6,971,000
-
Profit before tax
+38.8%
£5,024,000 £6,971,000
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