CAPITA LIFE & PENSIONS REGULATED SERVICES LIMITED
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Cash
£34m
-26.1% vs 2024
Net assets
£263m
-4.4% vs 2024
Employees
1,228
-31% lowest in 6 filed years
Profit before tax
-£71m
-190.3% lowest in 3 filed years
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
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Insolvency history on file
Companies House holds prior insolvency events for this company. Detail and outcome on the official register.
Net assets
6-year trend · vs Financials median
Accounts
6-year trend · Δ = latest vs prior filed period · latest reflected 2025-12-31
| Metric | Trend | 2020-12-31 | 2021-12-31 | 2022-12-31 | 2023-12-31 | 2024-12-31 | 2025-12-31 | Δ vs prior |
|---|---|---|---|---|---|---|---|---|
| Turnover | £225,827,494 | £184,827,286 | £161,346,633 | £170,564,064 | £154,513,108 | £107,287,324 | -30.6% | |
| Operating profit | — | — | — | £6,190,496 | £12,212,046 | -£81,388,523 | -766.5% | |
| Profit before tax | — | — | — | £14,593,304 | £78,801,125 | -£71,183,974 | -190.3% | |
| Net profit | -£778,911 | -£22,681,334 | £31,316,306 | £9,546,683 | £68,376,492 | -£58,085,366 | -184.9% | |
| Cash | £54,272,725 | £25,865,363 | £35,526,088 | £51,557,026 | £45,915,052 | £33,911,356 | -26.1% | |
| Total assets less current liabilities | — | — | — | £261,088,916 | £325,696,128 | £337,834,720 | +3.7% | |
| Net assets | — | — | — | £207,177,664 | £275,554,156 | £263,333,271 | -4.4% | |
| Equity | £154,403,689 | £131,722,355 | £197,630,981 | £207,177,664 | £275,554,156 | £263,333,271 | -4.4% | |
| Average employees | 2,665 | 2,181 | 2,102 | 2,001 | 1,781 | 1,228 | -31% | |
| Wages | — | — | — | £75,497,041 | £64,218,768 | £49,032,075 | -23.6% | |
| Directors' remuneration | — | — | — | £1,163,204 | £1,088,015 | £1,034,925 | -4.9% |
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 | 2020-12-31 | 2021-12-31 | 2022-12-31 | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|---|---|---|
| Operating margin | — | — | — | 3.6% | 7.9% | -75.9% | |
| Net margin | -0.3% | -12.3% | 19.4% | 5.6% | 44.3% | -54.1% | |
| Return on capital employed | — | — | — | 2.4% | 3.7% | -24.1% | |
| Gearing (liabilities / total assets) | — | — | — | 46.4% | 36.1% | 35.3% | |
| Current ratio | — | — | — | 2.55x | 0.84x | 1.15x | |
| Interest cover | — | — | — | 2.13x | 5.99x | -25.16x |
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 4 times since incorporation
- CAPITA LIFE & PENSIONS REGULATED SERVICES LIMITED 2005-05-10 → present
- CAPITA LIFE AND PENSIONS REGULATED SERVICES LIMITED 2005-05-03 → 2005-05-10
- CAPITA PERSONAL PENSION MANAGEMENT LTD 2004-07-30 → 2005-05-03
- PERSONAL PENSION MANAGEMENT LIMITED 1990-02-23 → 2004-07-30
- ENFRANCHISE SEVENTY THREE LIMITED 1989-09-20 → 1990-02-23
Audit & accounting basis
- Accounting basis
- IFRS
- Reporting scope
- Standalone (parent only)
- Auditor
- KPMG LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The directors have prepared the financial statements on the going concern basis as they do not intend to liquidate the Company or to cease its operations, and as they have concluded that the Company's financial position means that this is realistic. They have also concluded that there are no material uncertainties that could nave cast significant doubt over its ability to continue as a going concern from the date of approval of the financial statements to 30 June 2027 ("the going concern period").”
Group structure
- CAPITA LIFE & PENSIONS REGULATED SERVICES LIMITED · parent
- Western Mortgage Services Limited 100%
- Capita Retail Financial Services Limited 100%
Significant events
- “in December 2025, the Company reached a transition agreement for the remaining two legacy evergreen contracts with its one remaining client, Royal London.”
- “During the year, the business and assets related to the actuarial business were transferred from the Company to other fellow company within the Group by way of Business Transfer Agreement ("BTA") in order to consolidate actuarial capabilities and enhance the integrated service offering across the insurance and pensions sectors.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
5 active · 78 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| CAPITA GROUP SECRETARY LIMITED | Corporate Secretary | 2008-12-01 | — | — |
| BLACKMAN, Laura | Director | 2022-03-01 | Jul 1987 | British |
| BROWN, Antony Paul | Director | 2015-08-12 | Nov 1963 | British |
| BURKE, Simon Jonathan | Director | 2022-03-01 | Jul 1963 | British |
| DIAS, James Robert | Director | 2023-06-27 | Nov 1978 | British |
Show 78 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BENNETT, Patricia Joan | Secretary | 2001-02-27 | 2002-02-19 |
| BOUTLE, Geoffrey John | Secretary | 1992-11-11 | 2000-09-12 |
| CANTLE, Neil Jonathan | Secretary | 2000-09-12 | 2001-02-27 |
| CRONIN, Michael Christopher | Secretary | 2002-07-09 | 2004-08-20 |
| HURST, Gordon Mark | Secretary | 2004-08-20 | 2005-10-31 |
| LOCKWOOD, Kevin Ashley | Secretary | 2002-02-19 | 2002-07-09 |
| MARSH, Amanda Jean | Secretary | — | 1992-11-11 |
| CAPITA COMPANY SECRETARIAL SERVICES LIMITED | Corporate Secretary | 2005-04-26 | 2008-12-01 |
| ADDENBROOKE, Michael | Director | 2005-02-18 | 2008-07-16 |
| ALLEN, Michael Derek | Director | 1997-10-20 | 1999-03-04 |
| ASHBURN, Christopher Stuart | Director | 2018-08-24 | 2020-05-21 |
| BARRY, Neil Fraser James | Director | 2004-08-27 | 2005-04-04 |
| BATCHELOR, Dawn Michelle | Director | 2000-07-01 | 2001-01-12 |
| BEDFORD, Nicolas Norman | Director | 2018-02-14 | 2018-06-28 |
| BEDFORD, Nicolas Norman | Director | 2009-11-13 | 2012-04-30 |
| BEDFORD, Nicolas Norman | Director | 2004-07-01 | 2005-01-18 |
| BELL, Stuart Ventris | Director | — | 1992-11-11 |
| BENNETT, Patricia Joan | Director | 2001-02-27 | 2002-11-15 |
| BOWMAN, Andrew John | Director | 2020-04-23 | 2022-06-21 |
| BOWMAN, Andrew John | Director | 2016-03-23 | 2018-02-14 |
| BRAITHWAITE, Philip Charles | Director | 2008-07-16 | 2012-01-20 |
| BUDD, Gerald Victor Albert | Director | 1992-11-11 | 2001-01-04 |
| CHAPPLE, Aimie Nicole | Director | 2020-04-01 | 2022-09-26 |
| CLEMENTS, Karen Suzanne | Director | 2011-03-28 | 2015-04-17 |
| CONNOR, John | Director | 2005-05-11 | 2007-06-25 |
| COXELL, Graham Peter | Director | 2008-07-16 | 2009-06-29 |
| COXELL, Graham Peter | Director | 2005-03-22 | 2006-07-25 |
| CRAWFORD, David William | Director | 2013-09-11 | 2013-12-06 |
| DALLY, Mark Neil | Director | 2006-06-02 | 2008-07-16 |
| DAVIES, Simon John | Director | 2005-04-04 | 2009-10-19 |
| DOOLEY, Matthew James | Director | 1993-07-01 | 1997-10-20 |
| DOYLE, Patrick Michael | Director | 2008-11-21 | 2010-02-28 |
| FINAN, John Charles | Director | 1992-11-11 | 2001-08-21 |
| GOFORD, Jeremy | Director | 2006-12-20 | 2006-12-31 |
| GOFORD, Jeremy | Director | 2005-07-19 | 2006-12-20 |
| GREATOREX, Anthony Nicholas | Director | 2013-09-01 | 2015-04-17 |
| GREATOREX, Anthony Nicholas | Director | 2006-09-26 | 2008-07-16 |
| HALLIGAN, Raymond Arthur | Director | 1996-12-18 | 1999-01-01 |
| HARE, James Mcdonald Buchanan | Director | 2001-09-21 | 2004-07-01 |
| HOWORTH, Duncan Craig | Director | — | 1992-11-11 |
| HURST, Gordon Mark | Director | 2004-07-01 | 2004-08-25 |
| JARVIS, Ian Edward | Director | 2014-01-03 | 2016-03-23 |
| JENNINGS, Timothy | Director | 2005-04-04 | 2005-06-23 |
| JOHNSON, Alan Timothy | Director | 2006-07-25 | 2008-07-16 |
| JOHNSON, Alan Timothy | Director | 2005-04-04 | 2006-04-07 |
| KIRKWOOD, Nicola | Director | 2004-07-01 | 2005-04-04 |
| LAHER, Saleah Hassen | Director | 2006-11-28 | 2007-10-18 |
| MARGETTS, Michael John | Director | 2010-06-30 | 2010-08-10 |
| MARSH, Amanda Jean | Director | 1992-11-04 | 1992-11-11 |
| MELVIN, Clifton Adrian | Director | 2001-08-21 | 2003-07-10 |
| MOCKFORD, Emma Jayne | Director | 2005-04-13 | 2006-11-08 |
| MOORE, Francis Gerald | Director | — | 1996-07-31 |
| MORET, Anthony John | Director | 1992-11-11 | 2004-07-01 |
| OSTIME, Richard Anthony Francis | Director | 1992-11-11 | 1993-06-30 |
| PALMER, Julian Anthony | Director | 2001-03-23 | 2002-09-30 |
| PARKINSON, Stephen David | Director | 2004-07-01 | 2012-05-27 |
| PETCHEY, David Ronald | Director | 1999-01-01 | 2000-02-14 |
| PILLING, Simon Christopher | Director | 2010-03-16 | 2011-01-10 |
| PURVEUR, Nigel Jeffrey | Director | 2015-07-24 | 2018-12-31 |
| PURVEUR, Nigel Jeffrey | Director | 2007-05-02 | 2008-07-16 |
| RIGBY, David | Director | 2008-05-27 | 2009-10-19 |
| RIGBY, David Keith | Director | 2005-04-04 | 2005-06-23 |
| RING, Susan Lesley | Director | 2014-10-30 | 2018-07-20 |
| RYAN, James Michael | Director | 2001-09-21 | 2004-07-01 |
| SCHNOR, Christen | Director | 2003-09-19 | 2004-07-01 |
| SHARP, Stephen | Director | 2012-01-11 | 2014-02-03 |
| SINGLETON, Graham Lloyd | Director | 2001-09-21 | 2003-05-29 |
| SINGLETON, Graham Lloyd | Director | 1999-06-01 | 2001-01-30 |
| SMITH, Michael James | Director | 2002-11-01 | 2004-07-01 |
| STEPHENS, Sally | Director | 2004-09-17 | 2005-04-13 |
| TRAINER, Martin John | Director | 2005-11-22 | 2007-02-28 |
| VANOVERSCHELDE, Tom Frans | Director | 2020-04-15 | 2026-04-08 |
| VINCENT, James D'Arcy | Director | 2015-03-10 | 2020-04-16 |
| WHITE, James Patrick | Director | 2003-03-14 | 2004-07-01 |
| WILLIAMS, Stephen Andrew | Director | 2006-11-07 | 2011-11-30 |
| WILLIAMS, Stephen John | Director | 2001-02-27 | 2002-07-09 |
| WRIGHT, Stephen Paul | Director | 2011-07-25 | 2014-07-18 |
| WYLLIE, Mark Richard John | Director | 2011-03-01 | 2011-06-10 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Capita Plc | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Active |
Filing timeline
Last 20 of 956 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-07-23 | AA | accounts | Accounts with accounts type full | |
| 2026-07-03 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2026-04-08 | TM01 | officers | Termination director company with name termination date | |
| 2025-07-08 | AA | accounts | Accounts with accounts type full | |
| 2025-07-05 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-04-11 | AD02 | address | Change sail address company with old address new address | |
| 2024-11-25 | CH01 | officers | Change person director company with change date | |
| 2024-11-22 | CH04 | officers | Change corporate secretary company with change date | |
| 2024-11-19 | PSC05 | persons-with-significant-control | Change to a person with significant control | |
| 2024-11-18 | AD01 | address | Change registered office address company with date old address new address | |
| 2024-10-21 | AAMD | accounts | Accounts amended with accounts type full | |
| 2024-07-02 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-04-25 | AA | accounts | Accounts with accounts type full | |
| 2023-07-11 | AA | accounts | Accounts with accounts type full | |
| 2023-07-10 | AP01 | officers | Appoint person director company with name date | |
| 2023-07-04 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-10-03 | TM01 | officers | Termination director company with name termination date | |
| 2022-09-15 | AA | accounts | Accounts with accounts type full | |
| 2022-07-06 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2022-06-22 | TM01 | officers | Termination director company with name termination date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 3
- 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.