BACS PAYMENT SCHEMES LIMITED
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Cash
£3.7m
+148.1% vs 2024
Net assets
£1.9m
0% vs 2024
Employees
—
Average over period
Profit before tax
£0
-100% vs 2024
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
Accounts not prepared on a going-concern basis
The Directors intend to transfer the remaining trade to Pay.UK Limited within 12 months and liquidate the Company, thus do not consider it appropriate to adopt the going concern basis of accounting. Accordingly, the Financial Statements have been prepared on a basis other than going concern.
-
Going-concern uncertainty disclosed
Net assets
3-year trend · vs Industrials median
BACS PAYMENT SCHEMES LIMITED·Industrials median
BACS PAYMENT SCHEMES LIMITED·Industrials median
BACS PAYMENT SCHEMES LIMITED·Industrials median
BACS PAYMENT SCHEMES LIMITED·Industrials median
BACS PAYMENT SCHEMES LIMITED·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 | £17,188,631 | £18,510,575 | £19,834,947 | +7.2% | |
| Operating profit | -£286,966 | -£68,381 | -£19,773 | +71.1% | |
| Profit before tax | -£75 | £378 | £0 | -100% | |
| Net profit | £0 | £0 | £0 | — | |
| Cash | £9,489,560 | £1,493,996 | £3,706,867 | +148.1% | |
| Total assets less current liabilities | £1,944,197 | £1,944,197 | — | — | |
| Net assets | £1,944,197 | £1,944,197 | £1,944,197 | 0% | |
| Equity | £1,944,197 | £1,944,197 | £1,944,197 | 0% | |
| Average employees | — | — | — | — | |
| Wages | — | — | — | — | |
| Directors' remuneration | — | £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 | -1.7% | -0.4% | -0.1% | |
| Net margin | 0.0% | 0.0% | 0.0% | |
| Return on capital employed | -14.8% | -3.5% | — | |
| Current ratio | 1.06x | 1.19x | 1.15x |
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.
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Standalone (parent only)
- Auditor
- BDO LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Not a going concern (break-up basis)
“The Directors intend to transfer the remaining trade to Pay.UK Limited within 12 months and liquidate the Company, thus do not consider it appropriate to adopt the going concern basis of accounting. Accordingly, the Financial Statements have been prepared on a basis other than going concern.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
2 active · 153 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| ELLIS, Michael John | Director | 2022-08-01 | Mar 1965 | British |
| PITT, David Francis | Director | 2021-12-31 | Oct 1968 | British |
Show 153 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BURNS, John Duncan, Mr. | Secretary | 2006-04-06 | 2008-05-22 |
| STAMP, Ewen George Morrell | Secretary | 2003-11-12 | 2006-04-01 |
| M & R SECRETARIAL SERVICES LIMITED | Corporate Secretary | 2008-05-22 | 2009-12-17 |
| UK PAYMENTS ADMINISTRATION LIMITED | Corporate Secretary | 2009-12-17 | 2020-12-21 |
| ALI, Imran | Director | 2014-08-11 | 2015-12-01 |
| ALI, Imran | Director | 2014-05-20 | 2014-08-11 |
| ALI, Imran | Director | 2012-09-24 | 2014-03-17 |
| ANDERSON, Richard Charles | Director | 2018-10-24 | 2021-12-31 |
| ASHTON, Christine Hilary | Director | 2018-10-24 | 2021-12-31 |
| ASHWORTH, Nigel John | Director | 2003-11-27 | 2006-06-21 |
| BAILEY, Thomas Stuart | Director | 2018-01-31 | 2018-07-25 |
| BANSAL, Anupam | Director | 2008-02-07 | 2014-05-20 |
| BARBER, Jane Alison | Director | 2015-05-15 | 2016-03-11 |
| BARBER, Jane Alison | Director | 2008-12-01 | 2012-08-31 |
| BATTEY, Ernest Stephen | Director | 2005-02-21 | 2007-11-29 |
| BEATON, Ailsa Elizabeth | Director | 2013-09-01 | 2018-10-24 |
| BELMORE, Douglas Anthony William | Director | 2010-02-04 | 2018-10-24 |
| BENZ, Jonathan Philip Otto | Director | 2013-09-16 | 2017-07-04 |
| BETTERIDGE, Steven | Director | 2003-11-27 | 2005-02-14 |
| BILGIN, Resat | Director | 2017-07-24 | 2018-06-05 |
| BOTTOMLEY, Peter | Director | 2008-02-14 | 2009-07-31 |
| BRADLEY, David Neil | Director | 2008-02-26 | 2009-06-15 |
| BRADLEY, David | Director | 2003-11-27 | 2006-01-03 |
| BRODIE, Brian Edward | Director | 2012-02-02 | 2012-05-16 |
| BROWN, Alan | Director | 2005-05-17 | 2007-10-19 |
| BURNS, Gerard | Director | 2015-12-14 | 2018-04-30 |
| BURNS, John Duncan, Mr. | Director | 2006-04-06 | 2006-04-06 |
| CALLAGHAN, Graham Dominick | Director | 2006-09-25 | 2008-04-10 |
| CHAMBERS, Michael Paul | Director | 2003-11-12 | 2018-05-04 |
| CLARE, Andrew Nicholas | Director | 2005-11-01 | 2006-11-01 |
| CLARK, Martin | Director | 2012-01-18 | 2014-08-11 |
| COOPER, Elizabeth Jayne | Director | 2015-10-15 | 2018-06-17 |
| COOPER, Elizabeth Jayne | Director | 2011-09-01 | 2015-10-15 |
| CORDIER, Heather | Director | 2003-11-27 | 2005-08-28 |
| CROSSLAND, Nicholas Peter | Director | 2010-10-28 | 2011-08-18 |
| CUBBON, James Andrew | Director | 2003-11-27 | 2006-04-01 |
| CURRAN, Liam | Director | 2017-01-23 | 2017-12-04 |
| CURTIS, John Trevor | Director | 2003-11-27 | 2008-02-28 |
| D'ARCY, Nicola | Director | 2010-03-25 | 2011-09-01 |
| D'ARCY, Nicola | Director | 2006-04-01 | 2009-01-12 |
| DE BUNSEN, Sarah | Director | 2013-05-10 | 2015-06-05 |
| DE BUNSEN, Sarah | Director | 2012-09-25 | 2013-05-01 |
| DE BUNSEN, Sarah | Director | 2007-02-28 | 2012-05-31 |
| DHALA, Akbar | Director | 2005-03-03 | 2009-06-30 |
| DONALD, Graeme John | Director | 2014-02-20 | 2018-01-31 |
| DUFF, Alan | Director | 2017-07-11 | 2018-05-17 |
| DUFF, Alan | Director | 2013-09-16 | 2017-01-30 |
| DUFF, Alan | Director | 2011-09-19 | 2013-09-12 |
| DUFF, Alan | Director | 2011-02-14 | 2011-08-18 |
| ELLIS, Stephen John | Director | 2005-03-03 | 2008-02-29 |
| ELWORTHY, Alison | Director | 2012-09-01 | 2015-05-15 |
| FINCH, Richard Connor | Director | 2009-06-22 | 2010-10-28 |
| FINCH, Richard Connor | Director | 2006-01-03 | 2007-07-16 |
| FLETCHER, Gary | Director | 2004-04-08 | 2007-01-17 |
| FROST, Timothy David Paul | Director | 2008-01-24 | 2009-11-04 |
| FROST, Timothy David Paul | Director | 2003-11-27 | 2007-11-29 |
| GLOVER, Paul Philippe | Director | 2003-11-27 | 2005-08-31 |
| GRAY, Paul | Director | 2003-11-27 | 2005-03-22 |
| GREEN, Stephen John | Director | 2003-11-27 | 2010-03-24 |
| GREIG, David Robert | Director | 2006-06-21 | 2015-05-15 |
| GRICE, Andrew David | Director | 2013-05-01 | 2015-06-05 |
| HASSAN, Vicki Louise | Director | 2017-12-04 | 2018-06-13 |
| HAUGHTON, Janet | Director | 2003-11-27 | 2011-04-01 |
| HAWKINS, Valerie Ann | Director | 2009-06-15 | 2010-10-28 |
| HENRY, Catherine | Director | 2003-11-27 | 2004-04-08 |
| HENRY, Martin David | Director | 2015-09-24 | 2018-04-30 |
| HENRY, Martin David | Director | 2014-11-12 | 2015-09-24 |
| HENSLEY, David Brian | Director | 2007-10-31 | 2010-03-24 |
| HUNT, Matthew Paul | Director | 2021-12-31 | 2022-08-01 |
| HUNT, Matthew | Director | 2012-09-18 | 2013-05-01 |
| HUTCHISON, Keith Murray | Director | 2006-01-26 | 2008-07-25 |
| JEFFERSON, John | Director | 2008-01-28 | 2014-09-29 |
| JONES, Denise June | Director | 2003-12-01 | 2006-10-01 |
| KENNEDY, Jonathan Michael | Director | 2011-08-18 | 2012-02-02 |
| KENRICK, Joanne Louise | Director | 2016-12-13 | 2018-10-24 |
| KETTLE, Garry Ronald Daniel | Director | 2003-11-27 | 2006-01-26 |
| KIDD, Edwina Jane | Director | 2008-02-13 | 2009-11-04 |
| LEA, William Finn | Director | 2004-04-01 | 2006-11-22 |
| LEATHER, John Francis | Director | 2009-11-06 | 2010-08-13 |
| LENNON, Katherine Julie | Director | 2017-07-07 | 2018-10-24 |
| LIGHTOWLER, Tervor Hugh | Director | 2014-03-05 | 2014-11-12 |
| LIGHTOWLER, Trevor Hugh | Director | 2015-09-24 | 2018-04-30 |
| LIGHTOWLER, Trevor Hugh | Director | 2014-11-12 | 2015-09-24 |
| LONG, Shirley | Director | 2014-09-29 | 2016-07-04 |
| MACKINTOSH, Roger | Director | 2006-01-06 | 2009-06-22 |
| MACRORY, Andree Barbara | Director | 2007-04-03 | 2011-11-11 |
| MALLEY, David Jonathan | Director | 2017-07-07 | 2018-10-24 |
| MALLEY, David Jonathan | Director | 2016-03-11 | 2017-07-07 |
| MALLEY, David Jonathan | Director | 2015-05-15 | 2016-03-11 |
| MALTMAN, Jonathan Torquil | Director | 2006-05-31 | 2014-05-09 |
| MANN, Christopher Paul | Director | 2006-11-22 | 2007-07-30 |
| MANN, Christopher Paul | Director | 2003-11-27 | 2006-03-20 |
| MARTIN, James Charles Mclay | Director | 2007-01-22 | 2008-01-21 |
| MARTIN, Melanie | Director | 2015-01-09 | 2018-04-30 |
| MCBURNIE, Alan | Director | 2003-11-27 | 2005-03-10 |
| MCCOMB, Thomas Andrew | Director | 2006-05-01 | 2016-12-13 |
| MCGOVERN, Martin | Director | 2013-05-13 | 2014-03-05 |
| MCKNIGHT, Joseph Vincent | Director | 2010-12-01 | 2013-05-09 |
| MCLAUGHLIN, Jayne | Director | 2005-03-10 | 2006-01-03 |
| MCNAIR, Stewart Campbell | Director | 2005-09-01 | 2007-01-17 |
| MEYRICK, James | Director | 2016-07-13 | 2018-04-30 |
| MURRAY, Elizabeth | Director | 2013-05-13 | 2014-11-12 |
| MURRAY, Elizabeth | Director | 2010-12-01 | 2013-05-09 |
| NALDER, Mark | Director | 2015-11-25 | 2018-10-24 |
| OATTES, Kyra | Director | 2008-01-10 | 2015-11-09 |
| PATTERSON, Catherine | Director | 2017-09-26 | 2018-04-30 |
| PATTERSON, Catherine | Director | 2014-05-22 | 2016-05-23 |
| PATTERSON, Catherine | Director | 2011-04-01 | 2014-05-09 |
| PETTIGREW, James Walker | Director | 2017-05-25 | 2018-04-20 |
| PETTIGREW, James Walker | Director | 2012-03-12 | 2017-01-27 |
| PETTIT, Damian Andrew | Director | 2016-03-11 | 2017-07-07 |
| PIECKIELON, Anne Elizabeth | Director | 2003-11-27 | 2005-03-22 |
| PIKE, Stephen John | Director | 2017-06-06 | 2017-12-04 |
| PIKE, Stephen John | Director | 2011-11-11 | 2017-01-23 |
| PLACE, Joanna Ruth | Director | 2007-09-17 | 2012-05-31 |
| PLATTERN, Hilary Claire | Director | 2016-07-13 | 2018-04-30 |
| PLATTERN, Hilary Claire | Director | 2014-05-22 | 2016-05-23 |
| PURNELL, John | Director | 2006-10-01 | 2007-10-31 |
| REDDIE, Gordon Andrew | Director | 2010-02-04 | 2012-03-12 |
| RICHARDSON, Damian John | Director | 2006-06-21 | 2008-12-01 |
| RIGNEY, David | Director | 2013-06-01 | 2018-09-30 |
| ROBERTS, Michael David | Director | 2003-11-27 | 2015-11-09 |
| SANDERS, David George | Director | 2008-04-10 | 2016-07-04 |
| SAWYER, Julian Richard | Director | 2018-02-26 | 2018-07-24 |
| SEAR, David Valentine James | Director | 2003-11-12 | 2003-12-01 |
| SHEPPARD, Nathan | Director | 2015-11-25 | 2018-10-24 |
| SHILLING, Steven | Director | 2010-10-28 | 2011-02-14 |
| SINHA, Anupam | Director | 2011-09-15 | 2015-01-09 |
| SMITH, Ian Michael | Director | 2017-06-19 | 2018-05-17 |
| SMITH, Ian Michael | Director | 2010-09-01 | 2014-02-20 |
| SMITH, Linda Margaret | Director | 2003-11-27 | 2005-04-21 |
| SONDERGAARD, Mogens | Director | 2006-04-05 | 2007-03-23 |
| SOUTAR, Gordon William | Director | 2012-05-16 | 2013-09-12 |
| TAINSH, Brian | Director | 2007-01-22 | 2007-09-21 |
| THWAITES, Leslie James | Director | 2005-05-17 | 2006-09-25 |
| TOSE, Caroline Anne | Director | 2009-08-26 | 2012-01-18 |
| TROLLAND, Anne Carol | Director | 2010-08-13 | 2018-07-25 |
| TROLLAND, Anne Carol | Director | 2009-11-13 | 2010-04-02 |
| TROLLAND, Anne Carol | Director | 2003-11-27 | 2009-01-13 |
| TURNER, Thomas Newton | Director | 2003-11-27 | 2005-09-19 |
| WAKE, Neil David | Director | 2007-07-16 | 2008-02-27 |
| WALMSLEY, Douglas John | Director | 2003-11-27 | 2005-04-21 |
| WALSH, John | Director | 2015-01-09 | 2018-04-30 |
| WALSH, John | Director | 2014-09-05 | 2015-01-09 |
| WALTON, Jean | Director | 2003-11-27 | 2006-04-28 |
| WEBBERLEY, Hazel Clair | Director | 2008-08-11 | 2009-01-13 |
| WHITE, Robert Anthony, General Manager | Director | 2015-10-15 | 2018-05-17 |
| WHITE, Robert | Director | 2010-03-24 | 2015-10-15 |
| WHITE, Robert | Director | 2006-11-01 | 2009-01-12 |
| WILLIAMS, Stephen Luke | Director | 2003-11-27 | 2004-04-01 |
| WRIGHT, Simon Paul | Director | 2008-01-11 | 2010-02-04 |
| WRIGLEY, Elizabeth Anne | Director | 2006-02-20 | 2007-02-28 |
| YARHAM, Susan Ann | Director | 2014-08-25 | 2018-04-30 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Pay.Uk Limited | Corporate entity | Voting 75–100% | 2018-04-30 | Active |
Filing timeline
Last 20 of 401 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-07-29 | AA | accounts | Accounts with accounts type full | |
| 2025-11-14 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-09-22 | CH01 | officers | Change person director company with change date | |
| 2025-07-30 | AA | accounts | Accounts with accounts type full | |
| 2025-07-24 | AD01 | address | Change registered office address company with date old address new address | |
| 2024-11-26 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-08-22 | AA | accounts | Accounts with accounts type full | |
| 2023-11-13 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-08-16 | AA | accounts | Accounts with accounts type full | |
| 2022-11-16 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-10-01 | AA | accounts | Accounts with accounts type full | |
| 2022-08-12 | AP01 | officers | Appoint person director company with name date | |
| 2022-08-12 | TM01 | officers | Termination director company with name termination date | |
| 2022-01-05 | AP01 | officers | Appoint person director company with name date | |
| 2022-01-04 | TM01 | officers | Termination director company with name termination date | |
| 2022-01-04 | TM01 | officers | Termination director company with name termination date | |
| 2022-01-04 | AP01 | officers | Appoint person director company with name date | |
| 2021-11-12 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2021-09-28 | AA | accounts | Accounts with accounts type full | |
| 2020-12-21 | TM02 | officers | Termination secretary 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
- 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.