SME HCI LIMITED
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Cash
£7.4m
+209.6% highest in 3 filed years
Net assets
£149m
+5,669.5% highest in 3 filed years
Employees
247
+17.1% highest in 3 filed years
Profit before tax
£252k
+104.8% first positive since 2024
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
1 PSC ceased in last 24 months
Significant control changed hands — see the Ownership section.
Net assets
3-year trend · vs Consumer Discretionary 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 | £70,682,811 | £67,840,556 | £87,716,894 | +29.3% | |
| Operating profit | £1,692,070 | -£5,281,087 | -£513,083 | +90.3% | |
| Profit before tax | £896,749 | -£5,281,087 | £252,372 | +104.8% | |
| Net profit | £886,892 | -£5,281,087 | -£64,654 | +98.8% | |
| Cash | £1,109,779 | £2,390,817 | £7,401,653 | +209.6% | |
| Total assets less current liabilities | £4,713,376 | -£2,669,953 | £148,702,796 | +5,669.5% | |
| Net assets | £4,485,020 | -£2,669,953 | £148,702,796 | +5,669.5% | |
| Equity | £4,485,020 | -£2,669,953 | £148,702,796 | +5,669.5% | |
| Average employees | 162 | 211 | 247 | +17.1% | |
| Wages | £7,510,856 | £8,243,352 | £10,033,916 | +21.7% | |
| Directors' remuneration | £1,172,007 | £731,932 | — | — | |
| Directors' pension contributions | £62,693 | £28,208 | — | — | |
| Highest paid director | £366,748 | £567,937 | — | — |
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 | 2.4% | -7.8% | -0.6% | |
| Net margin | 1.3% | -7.8% | -0.1% | |
| Return on capital employed | 35.9% | — | -0.3% | |
| Gearing (liabilities / total assets) | 85.5% | 105.8% | 28.8% | |
| Current ratio | 1.08x | 0.80x | 0.87x | |
| Interest cover | 2.13x | — | -0.10x |
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
- Deloitte LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“the directors have a reasonable expectation that the company has adequate resources to continue in operational existence for the foreseeable future. Accordingly, they continue to adopt the going concern basis of accounting in preparing the financial statements.”
Group structure
- SME HCI LIMITED · parent
- The Employee Resilience Company Limited 100%
- Vivup Financial Services Ltd 100%
- Work&Life Partners Limited 100%
- Lets Connect IT Solutions Limited 100%
- Perkbox Limited 100%
- Love Electric Financial Services Limited 100%
- Love Electric Protection Limited 100%
Significant events
- “Following the business combination of Perkbox Limited and SME HCI Limited (trading as Vivup) in the prior year”
- “On 23 December 2025, SME HCI Limited acquired Love Electric Financial Services Limited”
- “On 28 August 2025, the company hived up the trade and assets of Perkbox Limited as part of a group reorganisation”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
4 active · 15 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| BUTLER, Doug | Director | 2024-06-30 | Aug 1964 | American |
| HEIMES, Mats | Director | 2024-06-30 | Jan 1992 | German |
| HOOLEY, Rebecca Patricia | Director | 2024-11-25 | Nov 1981 | British |
| LOUCKS, Andrew Cavalier | Director | 2024-06-30 | Jun 1982 | American |
Show 15 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| DAVIS, Clare Louisa | Secretary | 2005-09-09 | 2017-01-14 |
| CHALFEN SECRETARIES LIMITED | Corporate Nominee Secretary | 2005-09-09 | 2005-09-09 |
| BRYAN, David John | Director | 2021-06-14 | 2023-09-06 |
| BUSBY, Christopher | Director | 2024-06-30 | 2024-10-28 |
| CLARK, Steven Andrew | Director | 2022-12-07 | 2024-06-30 |
| DAVIS, Clare Louisa | Director | 2005-09-09 | 2017-01-14 |
| DAVIS, Jane Yvonne | Director | 2013-01-01 | 2022-12-07 |
| DAVIS, Michael James | Director | 2005-09-09 | 2018-10-31 |
| ELLIS, Richard Hallam | Director | 2013-01-01 | 2022-12-07 |
| FACEY, Julia Claire | Director | 2020-01-01 | 2022-12-07 |
| GAFFNEY, Gregory Michael | Director | 2021-07-13 | 2024-06-30 |
| GALLAGHER-POWELL, Charles Edward | Director | 2022-12-07 | 2024-06-30 |
| MICHALAKIDIS, Georgios | Director | 2021-06-01 | 2024-06-30 |
| MOYLE, Simon Peter | Director | 2020-01-01 | 2024-10-28 |
| CHALFEN NOMINEES LIMITED | Corporate Nominee Director | 2005-09-09 | 2005-09-09 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Beneficium Bidco Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2025-09-05 | Active |
| Merces Bidco Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2022-12-07 | Ceased 2025-09-05 |
| Ms Jane Yvonne Davis | Individual | Shares 75–100% | 2019-05-31 | Ceased 2022-12-07 |
| Mr Michael James Davis | Individual | Shares 25–50%, Voting 25–50% | 2016-04-06 | Ceased 2019-05-31 |
Filing timeline
Last 20 of 172 total filings
Material constitutional events — rename, articles re-file, resolution
- 2025-10-27 RESOLUTIONS Resolution
- 2025-10-27 RESOLUTIONS Resolution
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-09-25 | AA | accounts | Accounts with accounts type full | |
| 2026-08-20 | SH01 | capital | Capital allotment shares | |
| 2026-08-03 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2026-04-20 | SH01 | capital | Capital allotment shares | |
| 2025-12-16 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2025-12-15 | RP01SH01 | miscellaneous | Legacy | |
| 2025-10-27 | RESOLUTIONS | resolution | Resolution | |
| 2025-10-27 | RESOLUTIONS | resolution | Resolution | |
| 2025-10-24 | SH01 | capital | Capital allotment shares | |
| 2025-10-23 | SH01 | capital | Capital allotment shares | |
| 2025-09-10 | AA | accounts | Accounts with accounts type full | |
| 2025-09-05 | PSC07 | persons-with-significant-control | Cessation of a person with significant control | |
| 2025-09-05 | PSC02 | persons-with-significant-control | Notification of a person with significant control | |
| 2025-08-05 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2025-03-05 | PSC05 | persons-with-significant-control | Change to a person with significant control | |
| 2025-03-05 | AD01 | address | Change registered office address company with date old address new address | |
| 2025-03-05 | CH01 | officers | Change person director company with change date | |
| 2025-03-05 | CH01 | officers | Change person director company with change date | |
| 2025-03-05 | CH01 | officers | Change person director company with change date | |
| 2025-03-05 | CH01 | officers | Change person director company with change date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 10
- Capital events
- 4
- 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.