ST MUNGO COMMUNITY HOUSING ASSOCIATION
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Cash
£20m
-21.6% vs 2025
Net assets
£17m
+3% highest in 4 filed years
Employees
1,715
+2% highest in 3 filed years
Profit before tax
£500k
-93.7% first positive since 2024
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
Confirmation statement overdue
Due 2026-10-06.
Net assets
4-year trend · vs Consumer Discretionary median
Accounts
4-year trend · Δ = latest vs prior filed period · latest reflected 2026-03-31
| Metric | Trend | 2023-03-31 | 2024-03-31 | 2025-03-31 | 2026-03-31 | Δ vs prior |
|---|---|---|---|---|---|---|
| Total income | £122,900,000 | £123,700,000 | £123,600,000 | £130,200,000 | +5.3% | |
| Operating profit | -£3,100,000 | -£3,000,000 | -£600,000 | £400,000 | +166.7% | |
| Profit before tax | — | -£2,600,000 | £7,900,000 | £500,000 | -93.7% | |
| Net profit | -£2,300,000 | -£2,600,000 | £7,900,000 | £500,000 | -93.7% | |
| Cash | £16,100,000 | £14,400,000 | £25,500,000 | £20,000,000 | -21.6% | |
| Total assets less current liabilities | £95,300,000 | £89,000,000 | £94,900,000 | £91,400,000 | -3.7% | |
| Net assets | £12,400,000 | £7,100,000 | £16,400,000 | £16,900,000 | +3% | |
| Equity | £12,400,000 | £7,100,000 | £16,400,000 | £16,900,000 | +3% | |
| Average employees | — | 1,699 | 1,682 | 1,715 | +2% | |
| Wages | — | £56,300,000 | £60,400,000 | £64,200,000 | +6.3% | |
| Directors' remuneration | — | £693,981 | £630,378 | £754,979 | +19.8% | |
| Directors' pension contributions | — | £30,823 | £31,179 | — | — | |
| Highest paid director | — | £192,010 | £194,287 | £200,504 | +3.2% |
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 | 2023-03-31 | 2024-03-31 | 2025-03-31 | 2026-03-31 |
|---|---|---|---|---|---|
| Operating margin | -2.5% | -2.4% | -0.5% | 0.3% | |
| Net margin | -1.9% | -2.1% | 6.4% | 0.4% | |
| Return on capital employed | -3.3% | -3.4% | -0.6% | 0.4% | |
| Gearing (liabilities / total assets) | — | 93.5% | 85.9% | 84.8% | |
| Current ratio | — | 1.31x | 1.74x | 1.63x | |
| Interest cover | — | -10.00x | -2.00x | 1.00x |
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
- Consolidated group
- Auditor
- Crowe U.K. LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“For this reason, St Mungo's continues to adopt the going concern basis in preparing the financial statements.”
Group structure
- ST MUNGO COMMUNITY HOUSING ASSOCIATION · parent
- St Mungo's Homes Limited 100%
Significant events
- “Until recently, Broadway Homelessness & Support held some legacy leasehold interests on behalf of the Group. These have now been transferred, and the company was dissolved on 23 December 2025.”
- “During the year, St Mungo's cancelled its £5m Revolving Credit Facility (RCF) provided by Barclays... The organisation now has no external loan funding agreements.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
12 active · 39 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| HOWORTH, Mark | Secretary | 2025-09-25 | — | — |
| ADAMSON, Michael John | Director | 2024-09-02 | Jun 1961 | British |
| BRADSHAW, Robert James | Director | 2023-02-08 | Jul 1986 | British |
| CUNLIFFE, Jane Heather | Director | 2025-01-22 | Feb 1979 | British |
| DALY, Sean Patrick | Director | 2026-03-11 | Jan 1960 | Irish |
| DARRAN, Elizabeth | Director | 2026-05-28 | Apr 1972 | British |
| JOHNSON, Darren Michael | Director | 2021-05-25 | Jul 1978 | British |
| MEALINGS, Lorraine Ann Rose | Director | 2023-07-26 | Mar 1972 | British |
| MOORE, Philip Wynford | Director | 2023-07-26 | Jan 1960 | British |
| NDLOVU, Edwin | Director | 2025-01-22 | Aug 1976 | British |
| NYAHASHA, Shingirai Thaddeus | Director | 2021-05-25 | Jan 1974 | British |
| REED, Michael Gregory | Director | 2026-01-07 | Nov 1969 | British |
Show 39 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| FRASER, Charles | Secretary | 2012-09-24 | 2014-04-01 |
| GILES, Helen Mary Josephine | Secretary | 2016-08-01 | 2017-02-07 |
| MANUEL, Jonathan Roy | Secretary | 2024-03-13 | 2024-07-31 |
| MCCALL, Michael Anthony | Secretary | 2014-04-01 | 2016-07-31 |
| ROURKE, Helen Sandra | Secretary | 2025-03-19 | 2025-09-24 |
| TUFFIN, Claire | Secretary | 2024-08-01 | 2025-03-18 |
| WYKES, Louise Ann | Secretary | 2017-02-07 | 2024-01-12 |
| ALLISON, Tracy Helen | Director | 2017-09-19 | 2022-11-16 |
| ANDERSON, Rolande Jane | Director | 2015-11-17 | 2023-12-31 |
| ARROWSMITH, Yvonne Patricia | Director | 2015-11-17 | 2018-05-16 |
| BEIDAS, Alexandra Flora | Director | 2017-03-21 | 2026-03-12 |
| CASTLE, Susmita | Director | 2019-06-18 | 2022-05-06 |
| CHARLESWORTH, Gillian Mary | Director | 2012-09-24 | 2015-09-22 |
| CONINGHAM, Julian Paul | Director | 2012-09-24 | 2013-09-24 |
| CORRY, Daniel Richard | Director | 2017-03-21 | 2025-09-24 |
| DOE, Paul Jonathan | Director | 2012-09-24 | 2015-09-22 |
| FOSTER, Michael George | Director | 2013-09-24 | 2017-03-21 |
| GADD, Timothy James | Director | 2014-04-01 | 2023-03-29 |
| HILLIARD, Edwin Paul | Director | 2012-09-24 | 2016-01-01 |
| KEIR, Alastair John | Director | 2013-05-21 | 2016-09-20 |
| KILLIAN, Joanna Elizabeth | Director | 2019-02-13 | 2024-05-08 |
| KUMAR, Ashwin | Director | 2014-04-01 | 2017-09-19 |
| LEWIS, Leigh, Sir | Director | 2014-04-01 | 2018-09-25 |
| MATTHEW, Peter | Director | 2013-11-07 | 2014-09-23 |
| MAXTED, John Raymond | Director | 2014-04-01 | 2020-09-29 |
| NANDA, Geeta | Director | 2014-02-04 | 2015-09-22 |
| NAPIER, Robert Stewart | Director | 2016-01-01 | 2021-09-29 |
| PEARS, Mark Andrew | Director | 2018-07-24 | 2022-05-27 |
| PERRY, John | Director | 2012-09-24 | 2013-09-24 |
| SENNE, Bontle Linda | Director | 2019-06-18 | 2023-01-09 |
| SHEAR, Jeffrey Bradley | Director | 2017-03-21 | 2017-09-19 |
| SMITH, Stephen Gardiner | Director | 2021-05-25 | 2024-07-31 |
| TABOR, Moira Jane | Director | 2023-07-26 | 2023-08-21 |
| THORESEN, Otto | Director | 2015-11-17 | 2017-10-31 |
| TOMINEY, Bernard | Director | 2012-09-24 | 2012-11-05 |
| WALTERS, Helen Mary | Director | 2015-11-17 | 2024-09-25 |
| WATTS, John | Director | 2017-07-25 | 2025-09-24 |
| WILKINSON, Dharshini | Director | 2012-09-24 | 2013-09-24 |
| WILLIAMS, Jane | Director | 2012-09-24 | 2015-06-30 |
Ownership
Persons with significant control
Filing timeline
Last 20 of 133 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-09-17 | AA | accounts | Accounts with accounts type group | |
| 2026-06-17 | AP01 | officers | Appoint person director company with name date | |
| 2026-06-17 | AD01 | address | Change registered office address company with date old address new address | |
| 2026-03-26 | AP01 | officers | Appoint person director company with name date | |
| 2026-03-18 | TM01 | officers | Termination director company with name termination date | |
| 2026-02-02 | AP01 | officers | Appoint person director company with name date | |
| 2026-01-21 | AA | accounts | Accounts with accounts type group | |
| 2025-10-09 | AP03 | officers | Appoint person secretary company with name date | |
| 2025-10-08 | TM01 | officers | Termination director company with name termination date | |
| 2025-10-08 | TM01 | officers | Termination director company with name termination date | |
| 2025-10-08 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-09-25 | TM02 | officers | Termination secretary company with name termination date | |
| 2025-04-30 | AP01 | officers | Appoint person director company with name date | |
| 2025-04-29 | AP01 | officers | Appoint person director company with name date | |
| 2025-03-21 | TM02 | officers | Termination secretary company with name termination date | |
| 2025-03-21 | AP03 | officers | Appoint person secretary company with name date | |
| 2024-11-21 | AA | accounts | Accounts with accounts type group | |
| 2024-10-03 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-10-03 | TM01 | officers | Termination director company with name termination date | |
| 2024-09-12 | AP01 | officers | Appoint person director company with name date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 11
- Capital events
- 0
- Officers appointed
- 3
- 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.