PAYMENT CARD SOLUTIONS (UK) LIMITED
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Next accounts due
2026-09-30 (in 4mo)
Last filed for 2024-12-31
Confirmation statement due
2026-07-14 (in 2mo)
Last made up 2025-06-30
Watchouts
None on the register
Cash
£86M
+45.8% highest in 5 filed years
Net assets
£7M
+23.1% highest in 5 filed years
Employees
88
+31.3% highest in 5 filed years
Profit before tax
£865K
-53% first positive since 2020
Net assets
6-year trend · vs Technology median
Accounts
6-year trend · latest reflected 2024-12-31
| Metric | Trend | 2019-12-31 | 2020-12-31 | 2021-12-31 | 2022-12-31 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|---|---|---|---|
| Turnover | £3,490,611 | £2,709,363 | — | — | — | — | |
| Operating profit | £1,040,801 | -£21,302 | — | — | — | — | |
| Profit before tax | £1,031,974 | -£44,204 | — | £163,343 | £1,839,470 | £865,459 | |
| Net profit | £989,003 | £139,314 | — | £244,860 | £1,739,328 | £825,416 | |
| Cash | £5,392,627 | £11,952,017 | — | £53,686,046 | £58,885,961 | £85,830,881 | |
| Total assets less current liabilities | £1,993,555 | £2,806,050 | — | £2,098,590 | £5,796,893 | £7,172,291 | |
| Net assets | £1,989,626 | £1,903,686 | — | £2,098,590 | £5,772,210 | £7,107,565 | |
| Equity | £1,989,626 | £1,903,686 | — | £2,098,590 | £5,772,210 | £7,107,565 | |
| Average employees | 16 | 25 | — | 49 | 67 | 88 | |
| Wages | — | — | — | £2,560,402 | £5,265,834 | £6,366,273 |
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 | 2019-12-31 | 2020-12-31 | 2021-12-31 | 2022-12-31 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|---|---|---|---|
| Operating margin | 29.8% | -0.8% | — | — | — | — | |
| Net margin | 28.3% | 5.1% | — | — | — | — | |
| Return on capital employed | 52.2% | -0.8% | — | — | — | — | |
| Interest cover | 99.79x | -0.90x | — | — | — | — |
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 102
- Reporting scope
- Standalone (parent only)
- Auditor
- Kirk Rice LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“In auditing the financial statements, we have concluded that the directors' use of the going concern basis of accounting in the preparation of the financial statements is appropriate.”
Significant events
- “The parent company and its subsidiary companies was acquired by BC Midco Pte, Ltd on 29th December 2022.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
5 active · 5 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| GULATI, Disha | Secretary | 2025-08-11 | — | — |
| BENISTY, Livia | Director | 2024-06-10 | Nov 1983 | British |
| HENSBY, Olivier Simon | Director | 2024-01-02 | May 1982 | British |
| JENNINGS, Thomas Michael Richard | Director | 2023-01-04 | Jun 1981 | British |
| SWINTON, Paul John | Director | 2006-09-20 | Jul 1973 | British |
Show 5 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| ANDERSON, Robert | Secretary | 2006-09-20 | 2006-11-08 |
| SWINTON, Paul John | Secretary | 2006-11-08 | 2025-08-11 |
| ANDERSON, Robert William | Director | 2006-11-02 | 2025-02-28 |
| BARNES, Peter Anthony | Director | 2020-06-16 | 2022-12-31 |
| DAY, Robin Alan | Director | 2006-11-02 | 2009-01-08 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Mr Paul Swinton | Individual | Voting 50–75% | 2016-04-27 | Ceased 2022-12-29 |
| Mr Robert William Anderson | Individual | Voting 25–50% | 2016-04-27 | Ceased 2022-12-29 |
| Payment Card Solutions Group Ltd | Corporate entity | Shares 75–100%, Voting 75–100% | 2016-04-27 | Active |
Filing timeline
Last 20 of 108 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-03-09 | CH01 | officers | Change person director company with change date | |
| 2026-03-09 | CH01 | officers | Change person director company with change date | |
| 2025-10-03 | CH01 | officers | Change person director company with change date | |
| 2025-10-03 | CH01 | officers | Change person director company with change date | |
| 2025-09-24 | AA | accounts | Accounts with accounts type full | |
| 2025-08-13 | AP03 | officers | Appoint person secretary company with name date | |
| 2025-08-13 | TM02 | officers | Termination secretary company with name termination date | |
| 2025-07-09 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-07-02 | AD02 | address | Change sail address company with old address new address | |
| 2025-03-06 | TM01 | officers | Termination director company with name termination date | |
| 2024-12-10 | AD01 | address | Change registered office address company with date old address new address | |
| 2024-07-01 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2024-06-10 | AP01 | officers | Appoint person director company with name date | |
| 2024-05-20 | AA | accounts | Accounts with accounts type full | |
| 2024-02-08 | RP04SH01 | capital | Second filing capital allotment shares | |
| 2024-01-31 | SH01 | capital | Capital allotment shares | |
| 2024-01-15 | AP01 | officers | Appoint person director company with name date | |
| 2023-11-22 | AA | accounts | Accounts with accounts type full | |
| 2023-09-26 | SH01 | capital | Capital allotment shares | |
| 2023-07-03 | CS01 | confirmation-statement | Confirmation statement with updates |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 9
- Capital events
- 0
- Officers appointed
- 1
- Officers resigned
- 1
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 → FY2024 · period ending 2024-12-31 vs 2023-12-31
-
Turnover
—
Not reported
-
Cash
+45.8%
£58,885,961 £85,830,881
highest in 5 filed years
-
Net assets
+23.1%
£5,772,210 £7,107,565
highest in 5 filed years
-
Employees
+31.3%
67 88
highest in 5 filed years
-
Profit before tax
-53%
£1,839,470 £865,459
first positive since 2020
-
Wages
+20.9%
£5,265,834 £6,366,273
highest in 3 filed years
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