UK Companies House feature
RESPONSIBLE LENDING LIMITED
Cash
£2M
-37% vs 2021
Net assets
£963K
-23.4% vs 2021
Employees
60
+30.4% vs 2021
Profit before tax
—
Period ending 2022-12-31
Profile
- Company number
- 09801855
- Status
- Active
- Incorporation
- 2015-09-30
- Last accounts made up
- 2024-12-31
- Account category
- FULL
- Primary SIC
- 64999
- Hubs
- UK Fintech
Net assets
4-year trend · vs UK Fintech median
Accounts
4-year trend · latest 2022-12-31
| Metric | Trend | 2019-12-31 | 2020-12-31 | 2021-12-31 | 2022-12-31 |
|---|---|---|---|---|---|
| Turnover | — | — | — | — | |
| Operating profit | — | — | — | — | |
| Profit before tax | — | — | — | — | |
| Net profit | — | — | — | — | |
| Cash | £159,692 | £267,595 | £2,871,430 | £1,808,994 | |
| Total assets less current liabilities | £984,786 | £1,025,825 | £2,584,868 | £2,455,282 | |
| Net assets | -£479,461 | -£484,255 | £1,257,513 | £962,729 | |
| Equity | -£479,461 | -£484,255 | £1,257,513 | £962,729 | |
| Average employees | 35 | 42 | 46 | 60 | |
| Wages | — | — | — | — |
Values shown as filed in iXBRL accounts. — indicates the figure was not present in the extracted filing (either not filed under that concept or absent from the period). About these numbers
Audit & accounting basis
From AI-extracted PDF accounts
- Accounting basis
- FRS 102
- Reporting scope
- Standalone (parent only)
- Auditor
- KPMG LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The Company's ultimate parent undertaking, RLMIS, has indicated that it will continue to provide financial support to the Company to allow it to meet its obligations as they fall due for at least one year from the date of approval of these financial statements. As with any company placing reliance on other group entities for financial support, the directors acknowledge that there can be no certainty that this support will continue although, at the date of approval of these financial statements, they have no reason to believe that it will not do so. For this reason, the directors have continued to adopt the going concern basis in preparing the financial statements.”
Significant events
- “On 31 January 2024, the Company became a wholly owned subsidiary of The Royal London Mutual Insurance Society Limited (RLMIS), following the acquisition of the remaining 60% of share capital not already owned by it.”
- “During the year, following the completion of the acquisition, the Company rebranded and began to operate fully under the Royal London brand.”
- “The Company also undertook a significant reorganisation of its Operations functions, with the aim of better serving our customers.”
- “At the start of 2025, the Company continued to deliver strategic enhancements to its products and services, including the development of a new broker portal, which launched successfully in May 2025.”
- “There are positive signs for the equity release market, with Q1 2025 data provided by the Equity Release Council indicating that the market grew overall by 7% versus Q4 2024 and by 32% compared to Q1 2024.”
- “On 5 March 2025, the Company issued 700,000 redeemable preference shares of £1 each to its sole shareholder, RLMIS.”
- “On 7 April 2025, the Company issued a further 300,000 redeemable preference shares of £1 each to RLMIS.”
- “On 24 June 2025, the Company issued a further 700,000 redeemable preference shares of £1 each to RLMIS.”
Auditor / going-concern / subsidiary information is extracted from the PDF version of the latest annual accounts and is not tagged in iXBRL. About these numbers
People
4 active · 12 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| ROYAL LONDON MANAGEMENT SERVICES LIMITED | Corporate Secretary | 2024-01-31 | — | — |
| HICKMAN, Bernard Leigh | Director | 2026-04-20 | Jun 1975 | British |
| RITCHIE, Alan John | Director | 2025-02-01 | May 1978 | British |
| WILLIAMS, Ian | Director | 2024-12-03 | Dec 1974 | British |
Show 12 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| ALLEN, Timothy Paul | Director | 2021-12-14 | 2025-02-28 |
| HAGGART, Keith Gerard | Director | 2016-10-27 | 2025-02-28 |
| HOOD, Carlton | Director | 2020-05-26 | 2025-03-06 |
| JONES, Daniel George | Director | 2015-09-30 | 2020-05-01 |
| KERSHAW, Ben | Director | 2020-09-03 | 2021-03-31 |
| LOGAN, Susan Esther Helen | Director | 2021-09-14 | 2022-09-20 |
| SAMSI, Ritwik Gurunandan | Director | 2022-09-20 | 2025-02-01 |
| SCOTT, Julie Frances | Director | 2021-09-14 | 2021-12-13 |
| STARKEY, Paul Edward | Director | 2016-10-27 | 2024-01-31 |
| UNGLESS, Joanne Clare | Director | 2021-12-14 | 2026-01-15 |
| WATERLOW, Timothy Paul | Director | 2016-10-27 | 2021-12-13 |
| WILKIE, Steven Thomas | Director | 2016-10-27 | 2024-01-31 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| The Royal London Mutual Insurance Society Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2021-07-01 | Active |
| Mr Steven Thomas Wilkie | Individual | Shares 25–50%, Voting 25–50% | 2016-09-30 | Ceased 2024-01-31 |
| Mr Paul Edward Starkey | Individual | Shares 25–50% | 2016-06-30 | Ceased 2024-01-31 |
| Mr Daniel George Jones | Individual | Appoints directors | 2016-06-30 | Ceased 2017-10-20 |
| Responsible Life Limited | Corporate entity | Shares 75–100%, Voting 75–100% | 2016-06-30 | Ceased 2017-10-20 |
Filing timeline
Last 20 of 102 total filings
| Date | Type | Category | Description |
|---|---|---|---|
| 2026-04-21 | AP01 | officers | appoint person director company with name date |
| 2026-02-03 | TM01 | officers | termination director company with name termination date |
| 2025-12-23 | RESOLUTIONS | resolution | resolution |
| 2025-10-17 | CS01 | confirmation-statement | confirmation statement with updates |
| 2025-10-09 | RESOLUTIONS | resolution | resolution |
| 2025-10-08 | SH01 | capital | capital allotment shares |
| 2025-08-06 | AA | accounts | accounts with accounts type full |
| 2025-08-06 | RESOLUTIONS | resolution | resolution |
| 2025-07-04 | SH01 | capital | capital allotment shares |
| 2025-05-08 | ANNOTATION | miscellaneous | legacy |
| 2025-04-15 | RESOLUTIONS | resolution | resolution |
| 2025-04-09 | SH01 | capital | capital allotment shares |
| 2025-03-19 | TM01 | officers | termination director company with name termination date |
| 2025-03-12 | AP01 | officers | appoint person director company with name date |
| 2025-03-11 | TM01 | officers | termination director company with name termination date |
| 2025-03-11 | TM01 | officers | termination director company with name termination date |
| 2025-03-11 | TM01 | officers | termination director company with name termination date |
| 2025-03-06 | AP04 | officers | appoint corporate secretary company with name date |
| 2025-03-06 | RESOLUTIONS | resolution | resolution |
| 2025-03-03 | SH01 | capital | capital allotment shares |
Credit score
Altman Z″ — composite of working capital, retained earnings, EBIT, and leverage
Activity Score
Filings velocity, capital events, officer churn, accounts trajectory