PAYCARE
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Cash
—
Latest balance sheet
Net assets
£5.5M
+2.5% vs 2024
Employees
31
-3.1% lowest in 3 filed years
Profit before tax
£151K
+159.7% highest in 3 filed years
Net assets
3-year trend · vs Financials median
Accounts
3-year trend · Δ = latest vs prior filed period · latest reflected 2025-12-31
| Metric | Trend | 2023-12-31 | 2024-12-31 | 2025-12-31 | Δ vs prior |
|---|---|---|---|---|---|
| Gross written premiums | — | £6,800,972 | £6,945,054 | +2.1% | |
| Net earned premiums | — | £6,800,972 | £6,945,054 | +2.1% | |
| Claims incurred | — | £5,306,448 | £4,979,364 | -6.2% | |
| Investment return | — | £199,010 | £227,316 | +14.2% | |
| Profit before tax | -£354,005 | -£252,653 | £150,774 | +159.7% | |
| Net profit | -£360,005 | -£253,706 | £134,258 | +152.9% | |
| Insurance contract liabilities | — | £198,151 | £208,577 | +5.3% | |
| Total assets | £6,431,020 | £6,090,430 | £6,258,218 | +2.8% | |
| Total liabilities | — | £704,763 | £738,293 | +4.8% | |
| Equity | £5,669,923 | £5,385,667 | £5,519,925 | +2.5% | |
| Average employees | 33 | 32 | 31 | -3.1% |
Values shown as filed in the company's annual accounts. — indicates the figure wasn't present under that line item in that period. The Δ column is the change from the prior filed period as a percentage of |prior|; lines a company doesn't report show —. About these numbers
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|
| Operating margin | -8.8% | -6.4% | — | |
| Net margin | -5.4% | -3.7% | — | |
| Return on capital employed | -9.9% | -7.8% | — | |
| Gearing (liabilities / total assets) | 11.8% | 11.6% | 11.8% | |
| Current ratio | 1.26x | 1.52x | — | |
| Interest cover | -5.78x | -4.69x | — |
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.
Name history
Renamed 1 time since incorporation
- PAYCARE 2005-05-03 → present
- PATIENTS' AID ASSOCIATION 1964-09-25 → 2005-05-03
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Consolidated group
- Auditor
- PKF Littlejohn LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“Based on the work we have performed, we have not identified any material uncertainties relating to events or conditions that, individually or collectively, may cast significant doubt on the group's or parent company's ability to continue as a going concern for a period of at least twelve months from when the financial statements are authorised for issue.”
Group structure
- PAYCARE · parent
- Paycare Wellbeing Ltd 100%
Significant events
- “A significant development has been the relocation to the University of Wolverhampton Science Park.”
- “The Board has also overseen enhancements to Paycare's governance and organisational structure, including the expansion of capabilities in innovation, risk, and compliance.”
- “We were pleased to welcome Keith Waitt to the Board during the year, bringing valuable financial services insight and strategic perspective that will support Paycare's next phase of development.”
- “At the end of 2024, we transitioned to Non-Directive Firm status under the new Solvency UK framework.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
7 active · 51 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| ASHTON, Nickeita | Secretary | 2020-11-20 | — | — |
| BURNS, Anthony Ivan | Director | 2018-02-13 | Mar 1971 | British |
| CARR, Sajida | Director | 2019-02-01 | Dec 1975 | British |
| GRACE, Jeremy Charles Hew | Director | 2020-10-22 | Apr 1965 | British |
| MUMFORD, Nicola | Director | 2023-01-09 | Dec 1980 | British |
| ROGERS, Kevin Alan | Director | 2025-01-10 | Nov 1960 | British |
| WAITT, Keith Whitelaw | Director | 2025-06-23 | Apr 1960 | British |
Show 51 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| COUSENS, John William | Secretary | 1991-06-13 | 1993-08-13 |
| GARSIDE, Andrew | Secretary | 1993-08-13 | 1996-02-15 |
| MALTBY, Gail Susan | Secretary | 2009-07-01 | 2012-11-23 |
| PREECE, Jane Campbell | Secretary | 1996-09-19 | 1997-03-31 |
| PRICE, Elizabeth Ann | Secretary | 1996-03-21 | 2009-06-30 |
| ROGERS, Kevin | Secretary | 2012-11-23 | 2020-11-19 |
| ABRAM, Eric | Director | — | 1993-05-09 |
| BEVAN, Albert | Director | 2003-10-23 | 2016-06-01 |
| BIDDELL, Michael Leonard | Director | 2008-06-16 | 2015-06-30 |
| BOOTH, Eric Pinkney | Director | — | 2004-04-28 |
| BRENNAND, Anna Elizabeth | Director | 2005-01-27 | 2007-06-08 |
| CARTER-SHECKLEFORD, Louise Penelope | Director | 2015-09-01 | 2018-04-03 |
| CLEGG, David Howard | Director | — | 2005-04-26 |
| COOK, Martin | Director | 2000-06-22 | 2005-10-10 |
| COYLE, James Patrick | Director | 2002-05-16 | 2003-11-18 |
| CRADDOCK, Glenis | Director | 1997-05-20 | 2000-09-29 |
| DICKIE, James Mackenzie | Director | — | 1996-05-17 |
| GOBRAN, Jezz | Director | 2017-06-26 | 2020-11-19 |
| GOULDING, Mathew | Director | 2019-02-01 | 2020-02-12 |
| HARMSWORTH, Adrian Peter | Director | 2006-07-13 | 2007-07-09 |
| HARPER, Michelle | Director | 2001-02-22 | 2001-07-06 |
| HARRIS, Nicola Jane | Director | 2013-08-08 | 2015-06-30 |
| HOOPER, Helen Elizabeth | Director | 2021-10-01 | 2025-12-31 |
| HORAN, Thomas Patrick | Director | — | 1992-05-14 |
| HOWELL, Margaret Ann | Director | 1997-05-20 | 2000-12-22 |
| HUGALL, Elisabeth Janie Newton | Director | 2001-10-18 | 2006-01-09 |
| JASPAL, Milkinder Singh | Director | 2019-02-01 | 2024-12-31 |
| JELLEY, Simon James | Director | 1999-07-22 | 1999-12-06 |
| KENT, Doreen Lavinia | Director | — | 1998-05-15 |
| KNIGHT, James Louis | Director | 2016-01-28 | 2024-12-31 |
| LAWTON, Michael Richard | Director | 2002-09-19 | 2003-07-22 |
| LEWIS, Gerald Frederick | Director | — | 2002-05-01 |
| LISLE, Hellen Ruth | Director | 2003-10-23 | 2014-06-30 |
| LOVATT, Helen Mary | Director | 1999-06-17 | 2000-11-17 |
| MALTBY, Gail Susan | Director | 2008-01-21 | 2012-11-23 |
| MARSH, Michael Jeremy | Director | 2003-02-20 | 2016-02-01 |
| MCINTOSH, Donald | Director | 2006-07-13 | 2020-02-13 |
| MCLEAN-INGLIS, Richard Keith | Director | — | 1995-05-19 |
| MOORE, Richard Frank | Director | 1999-04-22 | 2002-05-01 |
| PREECE, Jane Campbell | Director | 1997-04-01 | 1999-09-21 |
| PRICE, Elizabeth Ann | Director | 2000-06-22 | 2009-06-30 |
| PRICE, Elizabeth Ann | Director | 1993-03-18 | 1996-07-31 |
| ROGERS, Kevin Alan | Director | 2010-01-21 | 2023-01-10 |
| SALEEM, Waheed | Director | 2013-07-26 | 2017-06-26 |
| SHERIDAN, Maureen Alice | Director | — | 1999-05-21 |
| SIBLEY, Ian Jackson | Director | — | 1993-09-01 |
| SLATER, Ann | Director | 2003-10-23 | 2012-10-31 |
| TIMMINS, Alan Charles | Director | — | 1996-05-17 |
| WHITMORE, Dennis Arthur | Director | 2004-12-23 | 2019-11-25 |
| WRIGHTON, Janet Lilian | Director | 2001-10-18 | 2007-11-01 |
| PAYCARE | Corporate Director | 2010-01-21 | 2010-01-21 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Mr Anthony Ivan Burns | Individual | Significant influence | 2023-01-10 | Active |
| Mr Kevin Alan Rogers | Individual | Significant influence | 2016-12-01 | Ceased 2023-01-10 |
Filing timeline
Last 20 of 237 total filings
Material constitutional events — rename, articles re-file, resolution
- 2026-04-08 RESOLUTIONS Resolution
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-06-06 | AA | accounts | Accounts with accounts type group | |
| 2026-04-19 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2026-04-08 | RESOLUTIONS | resolution | Resolution | |
| 2026-03-30 | RP01AP01 | officers | Replacement filing of director appointment with name | |
| 2026-03-10 | AD01 | address | Change registered office address company with date old address new address | |
| 2026-01-05 | TM01 | officers | Termination director company with name termination date | |
| 2025-06-23 | AP01 | officers | Appoint person director company with name date | |
| 2025-05-15 | AA | accounts | Accounts with accounts type group | |
| 2025-04-19 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-01-07 | AP01 | officers | Appoint person director company with name date | |
| 2025-01-07 | TM01 | officers | Termination director company with name termination date | |
| 2025-01-07 | TM01 | officers | Termination director company with name termination date | |
| 2024-07-23 | AA | accounts | Accounts with accounts type group | |
| 2024-04-19 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-07-24 | AA | accounts | Accounts with accounts type group | |
| 2023-04-18 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-01-20 | CH01 | officers | Change person director company with change date | |
| 2023-01-19 | CH01 | officers | Change person director company with change date | |
| 2023-01-19 | PSC07 | persons-with-significant-control | Cessation of a person with significant control | |
| 2023-01-19 | PSC01 | persons-with-significant-control | Notification of a person with significant control |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 6
- Capital events
- 0
- Officers appointed
- 0
- 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.