PERSONAL MANAGEMENT SOLUTIONS LIMITED

1. PERSONAL MANAGEMENT SOLUTIONS LIMITED 2001-07-03 → present
2. HOWPER 372 LIMITED 2001-06-12 → 2001-07-03

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

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.

Accounting basis

FRS 101

Reporting scope

Standalone (parent only)

Auditor

Ernst & Young LLP

Audit opinion

Unqualified (clean)

Going concern

Affirmed

“The financial statements have been prepared on a going concern basis which the Directors consider to be appropriate. The Company has net current assets of £1,987,000 (2023: net current assets £411,000) and cash at bank and in hand of £1,184,000 (2023: £521,000). Historically, the Company had relied on funding from its ultimate parent company, Personal Group Holdings Plc, to meet its liabilities as they fall due. Personal Group Holdings Plc has indicated its intention to continue to make available such funds if needed by the Company over the period to 12 June 2026. Nevertheless, the Directors note that the Company is now able to operate profitably with a positive net asset position and cash reserves.”

Significant events

• “The Company continued its provision of employee benefits, through its in-house benefit platform Hapi throughout the year and successfully migrated its customers onto Hapi 2.0. The total number of employee benefit clients on the platform at the end of the year totalled 204 (2023: 215).”

Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers

Filings

3

last 12 months

Capital events

0

last 24 months

Officers appointed

0

last 12 months

Officers resigned

0

last 12 months

Direct counts from the register. No score, no rating — see the Filing timeline for the underlying events.

• Turnover

  +14.4%

  £6,511,000 → £7,451,000

• Cash

  +127.3%

  £521,000 → £1,184,000

• Net assets

  +340.8%

  £451,000 → £1,988,000

• Employees

  -20%

  25 → 20

• Operating profit

  +33.6%

  £1,164,000 → £1,555,000

• Profit before tax

  +31.9%

  £1,105,000 → £1,457,000

• Wages

  -21.1%

  £1,833,000 → £1,447,000

Each % is (latest − prior) ÷ |prior| for the line item as filed. The comparison is only shown when the latest and prior accounts cover broadly equal-length periods — short or long stubs (typical around incorporation or a year-end change) are suppressed rather than misrepresented. Lines a company doesn't report are omitted. About these numbers