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The Personal Finance Society

05084125

active
private limited guarant nsc limited exemption
england wales
Companies House
Health Score
80 / 100

Healthy

30/30
Filing
10/30
Financial
40/40
Risk
  • Loss before tax (-10)
  • Current liabilities exceed current assets (-10)

Details

1st Floor 30 Old Broad Street, London, EC2N 1HT
Incorporated 25/03/2004

Previously known as

The Personal Finance Society Limited · until 27/01/2005
Doubleneed Limited · until 07/09/2004

Compliance

Last accounts

31/12/2024

total exemption full

Next accounts due

30/09/2026

On track

Confirmation statement

Last: 08/04/2026

Due 22/04/2027

On track

Industry

94120
Activities of professional membership organisations

Officers

Miss Carla Anne Brown

director · Since 22/06/2023

MANAGING DIRECTOR

BRITISH · ENGLAND · Age 52

Also on 2 other boards

Mr Edward Spencer Grant

director · Since 12/07/2023

DIRECTOR

BRITISH · ENGLAND · Age 59

Also on 1 other board

Mr Michael Paul Crane

director · Since 19/06/2024

DIRECTOR

BRITISH · ENGLAND · Age 57

Also on 2 other boards

Mr Matthew James Hill

director · Since 30/09/2024

DIRECTOR

BRITISH · ENGLAND · Age 56

Also on 4 other boards

Mrs Kathryn Elizabeth Gannon

director · Since 01/03/2025

CHARTERED INDEPENDENT FINANCIAL PLANNER

BRITISH · ENGLAND · Age 54

Also on 1 other board

Mr Craig Palfrey

director · Since 01/03/2025

CERTIFIED FINANCIAL PLANNER

BRITISH · WALES · Age 48

Also on 7 other boards

Mr Ian Michael Callaghan

director · Since 18/03/2025

CHARTERED INSURANCE PRACTITIONER

WELSH · WALES · Age 64

Mr Roger Jackson

director · Since 01/12/2025

BRITISH · ENGLAND · Age 37

Also on 4 other boards

Dr Alan Geoffrey Whittle

director · Since 02/03/2026

BRITISH · UNITED KINGDOM · Age 46

Mr Adam John Harper

director · Since 05/03/2026

BRITISH · ENGLAND · Age 56

Also on 1 other board

Carla Anne Brown

director · Since 22/06/2023

British · England · Age 52

Edward Spencer Grant

director · Since 12/07/2023

British · England · Age 59

Michael Paul Crane

director · Since 19/06/2024

British · England · Age 57

Matthew James Hill

director · Since 30/09/2024

British · England · Age 56

Craig Palfrey

director · Since 01/03/2025

British · Wales · Age 48

Kathryn Elizabeth Gannon

director · Since 01/03/2025

British · England · Age 54

Ian Michael Callaghan

director · Since 18/03/2025

Welsh · Wales · Age 64

Roger Jackson

director · Since 01/12/2025

British · England · Age 37

Alan Geoffrey Whittle

director · Since 02/03/2026

British · United Kingdom · Age 46

Adam John Harper

director · Since 05/03/2026

British · England · Age 56

Former

Swift Incorporations Limited

corporate nominee secretary · Resigned 22/07/2004

Nicola Suzanne Lines

secretary · Resigned 22/10/2004

Andrew George Clarke

director · Resigned 30/09/2005

Caroline Anne Banks

director · Resigned 01/11/2006

David Stephen Batchelor

director · Resigned 05/01/2007

Gillian Mary Cardy

director · Resigned 14/06/2007

John Malcolm Ellis

director · Resigned 30/11/2007

Robert Alan Bullivant

director · Resigned 14/03/2008

Tim Charles Eadon

director · Resigned 30/05/2008

Carole Patricia Nicholls

director · Resigned 25/11/2009

Simon Jeremy Holt

director · Resigned 20/09/2010

Paul Mclauchlan Lothian

director · Resigned 07/09/2011

Michael Patrick Fosberry

director · Resigned 07/09/2011

Peter Nicholas Martin

director · Resigned 17/06/2012

Fay Patricia Goddard

director · Resigned 08/04/2013

Jonathon Robert Edwin Everill

director · Resigned 19/09/2013

Edward Spencer Grant

director · Resigned 15/09/2014

Darren Lee Garner

director · Resigned 10/09/2015

Garry Alexander Hale

director · Resigned 15/09/2015

David John Ingram

director · Resigned 14/09/2016

Brendan O'Ciobhain

director · Resigned 14/09/2016

Cathleen Marie Harrison

director · Resigned 12/06/2017

Rowan Mark Paterson

secretary · Resigned 18/07/2018

Caroline Sarah Lace

secretary · Resigned 03/07/2019

Marianne Clare Wyles

secretary · Resigned 31/12/2019

Sian Fisher

director · Resigned 07/02/2022

Victoria Jane Finney

secretary · Resigned 15/05/2022

Sarah Joanna Lord

director · Resigned 20/09/2022

Vanessa Frances Barnes

director · Resigned 21/06/2023

Mark Ashley Hutchinson

director · Resigned 12/07/2023

Azlina Kamarulzaman

director · Resigned 12/07/2023

Andrew Mark Briscoe

director · Resigned 07/12/2023

Christine Anne Elliott

director · Resigned 01/06/2024

Sarah Anne Howe

director · Resigned 30/09/2024

Neil Alexander Buckley

director · Resigned 30/09/2024

Elizabeth Bastin

director · Resigned 19/12/2024

Mathew Lee Mallett

director · Resigned 04/04/2025

Christine Anne Elliott

director · Resigned 10/04/2025

Trevor Joseph Edwards

director · Resigned 08/08/2025

Deborah Elizabeth Mitchell

director · Resigned 30/11/2025

Persons with Significant Control

Chartered Insurance Institute

Significant control

1st Floor, 30 Old Broad Street, London, EC2N 1HT

Reg: Rc000104 · Companies House · Royal Charter Body

Notified 06/04/2016

Former PSCs

Miss Sian Fisher

Ceased 31/03/2022

Mr Keith Richards

Ceased 30/06/2021

Change History

statusactive
2026-06-12

Active

typeprivate-limited-guarant-nsc-limited-exemption
2026-06-12

PRI/LBG/NSC (Private, Limited by guarantee, no share capital, use of 'Limited' exemption)

address line11st Floor 30 Old Broad Street
2026-06-12

1ST FLOOR

post townLondon
2026-06-12

LONDON

officer appointedBROWN, Carla Anne
2026-06-12
officer appointedCALLAGHAN, Ian Michael
2026-06-12
officer appointedCRANE, Michael Paul
2026-06-12
officer appointedGANNON, Kathryn Elizabeth
2026-06-12
officer appointedGRANT, Edward Spencer
2026-06-12
officer appointedHARPER, Adam John
2026-06-12
officer appointedHILL, Matthew James
2026-06-12
officer appointedJACKSON, Roger
2026-06-12
officer appointedPALFREY, Craig
2026-06-12
officer appointedWHITTLE, Alan Geoffrey, Dr
2026-06-12

CompanyRankvs 313+ SIC 94120 peers
78

Financial strength100th percentile among SIC peers · 25/25
Employees23th percentile among SIC peers · 3/15
LiquidityCurrent ratio 7.82× · 20/20
Longevity15 years trading (max 15) · 15/15
Filing complianceAll filings up to date · 15/15
Show leaderboard
How is this score calculated?
Financial strength25/25 pts

Net worth compared to all companies in the same SIC code with published accounts. Top quartile earns the full 25 points.

Employees3/15 pts

Workforce size relative to sector peers from the most recent accounts. A larger team generally signals commercial scale.

Liquidity20/20 pts

Current assets ÷ current liabilities. A ratio above 2× earns full marks; between 1–2× scores partially; below 0.5× scores minimal points.

Longevity15/15 pts

One point per year of operation since incorporation, capped at 15. Older companies have a proven track record.

Filing compliance15/15 pts

Full 15 points when both annual accounts and confirmation statement are filed on time. Points are deducted for each overdue filing.

Maximum score is 100. Deductions apply for insolvency history, outstanding charges, going concern doubt, or disqualified officers.

Key FinancialsYear ending 31/12/2024

Turnover

£8.7M

Annual revenue

Net Worth

£18.6M

Balance sheet strength

Cash

£13.3M

Cash in the bank

Profit Before Tax

-£662k

Bottom line earnings

Net Current Assets

£18.4M

Working capital

Current Assets

£21.1M

Current Liabilities

£2.7M

Fixed Assets

£172k

Debtors

£7.9M

Cost of Sales

£10.2M

Gross Profit

-£1.4M

Operating Profit

-£1.4M

0avg. employees-2

Balance Sheet

Intangible assets£172k
Assets less current liabilities£18.6M
Prepared with Companies House

EstimatesDerived

YearCurrent RatioImplied Profit
20247.82-£490k
20238.10+£5.1M
20206.19

Derived from filed accounts. Not audited figures.