CERTUS CARD GROUP LTD
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Cash
£285k
+5.3% highest in 3 filed years
Net assets
£1.9m
+550.5% highest in 3 filed years
Employees
93
-13.9% lowest in 3 filed years
Profit before tax
£1.4m
+64.6% highest in 3 filed years
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
2 PSCs ceased in last 24 months
Significant control changed hands — see the Ownership section.
Net assets
3-year trend · vs Industrials 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 |
|---|---|---|---|---|---|
| Turnover | £13,752,060 | £14,431,415 | £14,705,088 | +1.9% | |
| Operating profit | -£1,059,245 | £1,035,298 | £1,512,072 | +46.1% | |
| Profit before tax | -£1,344,273 | £820,793 | £1,350,666 | +64.6% | |
| Net profit | -£1,344,273 | £1,159,421 | £1,634,042 | +40.9% | |
| Cash | £14,008 | £270,327 | £284,762 | +5.3% | |
| Total assets less current liabilities | £224,256 | £988,620 | £2,690,004 | +172.1% | |
| Net assets | -£862,567 | £296,854 | £1,930,896 | +550.5% | |
| Equity | -£862,567 | £296,854 | £1,930,896 | +550.5% | |
| Average employees | 122 | 108 | 93 | -13.9% | |
| Wages | £4,607,687 | £3,878,267 | £3,751,301 | -3.3% | |
| Directors' remuneration | £106,000 | £0 | £0 | — |
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 | -7.7% | 7.2% | 10.3% | |
| Net margin | -9.8% | 8.0% | 11.1% | |
| Return on capital employed | -472.3% | 104.7% | 56.2% | |
| Gearing (liabilities / total assets) | 113.7% | 94.8% | 66.9% | |
| Current ratio | 0.69x | 0.75x | — | |
| Interest cover | -3.72x | 4.83x | 9.37x |
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 5 times since incorporation — the current trading name was adopted 2026-06-01
- CERTUS CARD GROUP LTD 2026-06-01 → present
- INCODIA INTERNATIONAL LTD 2018-12-14 → 2026-06-01
- CPI CARD GROUP - UK LIMITED 2012-01-12 → 2018-12-14
- CPI CARD GROUP - COLCHESTER LIMITED 2008-10-20 → 2012-01-12
- PCC SERVICES LIMITED 2007-07-27 → 2008-10-20
- DROYHURST LIMITED 1979-06-19 → 2007-07-27
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Standalone (parent only)
- Auditor
- Hurst Accountants Limited
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The directors have reasonable expectation that the Company has adequate resources to continue in operational existence for the foreseeable future and that it is therefore appropriate to prepare the annual report and financial statements on a going concern basis.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
1 active · 47 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| KEATING, Mark William | Director | 2023-02-17 | May 1969 | Irish |
Show 47 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| ANGEL, Barry Paul | Secretary | 2004-03-23 | 2005-11-30 |
| COX, Ian | Secretary | 2000-02-25 | 2004-03-23 |
| DOUGLAS, Paul | Secretary | 1993-04-01 | 1993-07-31 |
| GAUNTLEY, Simon Paul | Secretary | 2005-12-01 | 2008-08-28 |
| O'BRIEN, Kevin | Secretary | 2016-10-04 | 2018-08-03 |
| RANGOLAN, Frederick John | Secretary | 1993-08-01 | 1996-06-13 |
| ROWNTREE, David | Secretary | 2008-08-29 | 2016-10-04 |
| SARGEANT, John | Secretary | — | 1993-03-31 |
| SPICER, Rosemary Ann | Secretary | 1997-06-30 | 2000-02-25 |
| ANDERSON, Michael Adrian | Director | 1994-10-04 | 1997-06-30 |
| BAKKE, Christopher Alan | Director | 2016-10-04 | 2018-03-31 |
| CAHN, Nicholas | Director | 2016-10-04 | 2018-12-14 |
| CAHN, Nicholas | Director | 2004-03-18 | 2008-08-28 |
| CLARKE, Robert | Director | 2008-08-29 | 2016-10-04 |
| COX, Ian | Director | 1998-04-30 | 2004-03-23 |
| CREECHAN, Kevin | Director | 2001-05-11 | 2004-03-31 |
| DOUGLAS, Paul | Director | — | 1996-04-25 |
| DOWNIE, Alfred | Director | 1997-01-29 | 2000-02-04 |
| DRIES, Jonathan | Director | 2008-08-29 | 2016-10-04 |
| FICK, Theodore | Director | 2008-08-29 | 2008-09-30 |
| GALLIHER, James | Director | 2008-08-29 | 2016-10-04 |
| GANNON, Michael | Director | 2000-02-15 | 2000-12-22 |
| GAUNTLEY, Simon Paul | Director | 2005-09-08 | 2008-08-28 |
| HUCKLE, Christopher John | Director | 2018-10-10 | 2020-12-10 |
| HURLEY, Donnacha | Director | 2000-02-15 | 2001-07-06 |
| JORDAN, Alan James | Director | 2003-10-06 | 2007-06-01 |
| KEARNS, Patrick | Director | 2000-02-15 | 2007-07-17 |
| LOCK, Allan Martin | Director | 2019-12-19 | 2023-06-08 |
| LYNCH, Peter Eugene | Director | 2007-05-29 | 2008-08-28 |
| MOLLOY, Brian Patrick | Director | — | 1996-06-13 |
| MONTROSS, Steven | Director | 2016-10-04 | 2017-10-04 |
| MONTROSS, Steven | Director | 2016-10-04 | 2016-10-04 |
| NICHOLSON, Elliott George | Director | 2018-08-03 | 2023-02-17 |
| O'BRIEN, Kevin | Director | 2016-10-04 | 2018-08-03 |
| PEARCE, Robert | Director | 2008-08-29 | 2016-10-04 |
| PETERS, Nicholas Andrew | Director | 2008-08-29 | 2016-10-04 |
| RANGOLAN, Frederick John | Director | 1993-03-10 | 1996-06-13 |
| RAVE, Jonas | Director | 2018-08-03 | 2021-08-06 |
| ROWNTREE, David | Director | 2008-08-29 | 2016-10-04 |
| SARGEANT, John | Director | — | 1993-03-31 |
| SCOTT, Alan James | Director | 1994-07-20 | 1998-01-07 |
| SCOTT, Maxwell Eddie | Director | — | 1993-07-31 |
| SEAMAN, Bradley | Director | 2008-08-29 | 2016-10-04 |
| SODEN, Philip | Director | 1996-07-26 | 2000-03-31 |
| SPICER, Rosemary Ann | Director | 1993-11-24 | 2000-02-25 |
| STAPLES, Robert | Director | — | 1993-07-31 |
| WILLIAMS, Michael John | Director | — | 1994-03-18 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Precision Card Services Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2026-06-10 | Active |
| Mrs Karen Doran | Individual | Shares 75–100%, Voting 75–100%, Appoints directors | 2023-02-17 | Ceased 2026-06-10 |
| Mr Patrick Doran | Individual | Shares 75–100%, Voting 75–100%, Appoints directors | 2023-02-17 | Ceased 2026-06-10 |
| Sea Fox Bidco Limited | Corporate entity | Shares 75–100%, Voting 75–100% | 2018-08-03 | Ceased 2023-02-17 |
| Cpi Card Group Inc. | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Ceased 2018-08-03 |
Filing timeline
Last 20 of 256 total filings
Material constitutional events — rename, articles re-file, resolution
- 2026-06-22 RESOLUTIONS Resolution
- 2026-06-22 MA Memorandum articles
- 2026-06-01 CERTNM Certificate change of name company PDF
- 2023-02-24 RESOLUTIONS Resolution
- 2023-02-24 MA Memorandum articles
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-09-27 | AA | accounts | Accounts with accounts type full | |
| 2026-06-22 | RESOLUTIONS | resolution | Resolution | |
| 2026-06-22 | MA | incorporation | Memorandum articles | |
| 2026-06-10 | PSC07 | persons-with-significant-control | Cessation of a person with significant control | |
| 2026-06-10 | PSC07 | persons-with-significant-control | Cessation of a person with significant control | |
| 2026-06-10 | PSC02 | persons-with-significant-control | Notification of a person with significant control | |
| 2026-06-10 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2026-06-01 | CERTNM | change-of-name | Certificate change of name company | |
| 2025-11-12 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2025-09-29 | AA | accounts | Accounts with accounts type full | |
| 2025-07-22 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2024-10-02 | AA | accounts | Accounts with accounts type full | |
| 2024-07-18 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-03-14 | AD01 | address | Change registered office address company with date old address new address | |
| 2024-03-14 | AD01 | address | Change registered office address company with date old address new address | |
| 2023-10-04 | AA | accounts | Accounts with accounts type full | |
| 2023-07-11 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2023-06-08 | TM01 | officers | Termination director company with name termination date | |
| 2023-02-24 | RESOLUTIONS | resolution | Resolution | |
| 2023-02-24 | MA | incorporation | Memorandum articles |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 9
- Capital events
- 0
- Officers appointed
- 0
- Officers resigned
- 0
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.