OPTIONS UK PERSONAL PENSIONS LLP
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Cash
£98K
-95.2% lowest in 3 filed years
Net assets
£1.8M
-25.2% vs 2024
Employees
91
-1.1% vs 2024
Profit before tax
—
Period ending 2025-12-31
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 Unclassified 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 | £4,434,715 | £4,215,845 | £4,117,085 | -2.3% | |
| Operating profit | -£278,955 | -£938,086 | -£2,185,674 | -133% | |
| Profit before tax | £752,748 | £1,481,416 | — | — | |
| Net profit | £752,748 | £1,481,416 | -£259,732 | -117.5% | |
| Cash | £1,152,430 | £2,065,591 | £98,493 | -95.2% | |
| Total assets less current liabilities | £2,117,670 | £3,469,086 | £2,859,354 | -17.6% | |
| Net assets | £1,067,660 | £2,419,076 | £1,809,344 | -25.2% | |
| Equity | £1,067,660 | £2,419,076 | £1,809,344 | -25.2% | |
| Average employees | 88 | 92 | 91 | -1.1% | |
| Wages | £2,528,481 | £2,802,555 | £3,154,660 | +12.6% | |
| Members' remuneration | £136,090 | £137,313 | £205,166 | +49.4% |
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 | -6.3% | -22.3% | -53.1% | |
| Net margin | 17.0% | 35.1% | -6.3% | |
| Return on capital employed | -13.2% | -27.0% | -76.4% | |
| Gearing (liabilities / total assets) | 94.3% | 80.0% | — | |
| Current ratio | 9.93x | 5.47x | 3.74x | |
| Interest cover | -2.75x | -8.74x | -21.98x |
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 2 times since incorporation
- OPTIONS UK PERSONAL PENSIONS LLP 2020-06-13 → present
- OPTIONS SIPP UK LLP 2020-01-07 → 2020-06-13
- CAREY PENSIONS UK LLP 2009-04-22 → 2020-01-07
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Standalone (parent only)
- Auditor
- Grant Thornton
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“Based on the work we have performed, we have not identified any material uncertainties relating to events or conditions that, individually or collectively, may cast significant doubt on the limited liability partnership's ability to continue as a going concern for a period of at least twelve months from the date when the financial statements are authorised for issue.”
Group structure
- OPTIONS UK PERSONAL PENSIONS LLP · parent
- MK SIPP Trustees UK Limited 100%
Significant events
- “During the year ended 31 December 2025, numerous claimants spanning across various policy years and investments were settled and covered by the insurance in full based on the relevant reserving held. This has enabled a reasonably materially accurate assessment to be done of the potential liability relating to the remaining open cases and legal claims in similar circumstances.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
2 active · 3 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| CAH LIMITED | Corporate LLP Designated Member | 2009-04-22 | — | — |
| PATHLINES HOLDINGS LIMITED | Corporate LLP Designated Member | 2024-10-30 | — | — |
Show 3 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| HALLETT, Christine Patricia | LLP Designated Member | 2009-04-22 | 2012-04-15 |
| CHRYSALIS PENSION CONSULTING LLP | Corporate LLP Designated Member | 2009-07-20 | 2023-01-18 |
| STM GROUP PLC | Corporate LLP Designated Member | 2023-01-18 | 2024-10-30 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Pathlines Holdings Limited | Corporate entity | Significant influence (LLP) | 2024-10-30 | Active |
| Virtus Financial Technology Limited | Corporate entity | Voting 25–50% (LLP), Significant influence (LLP, as firm), Surplus assets 25–50% (LLP), Appoints members (LLP, as firm) | 2024-10-30 | Active |
| Calpe Holdings Limited | Corporate entity | Voting 25–50% (LLP), Significant influence (LLP, as firm), Surplus assets 25–50% (LLP), Appoints members (LLP, as firm) | 2024-10-30 | Active |
| Stm Group Plc | Corporate entity | Voting 25–50% (LLP), Surplus assets 25–50% (LLP), Appoints members (LLP) | 2023-01-18 | Ceased 2024-10-30 |
| Cah Limited | Corporate entity | Voting 50–75% (LLP), Surplus assets 50–75% (LLP), Appoints members (LLP) | 2023-01-18 | Ceased 2024-10-30 |
| Chrysalis Pensions Consulting Llp | Corporate entity | Surplus assets 25–50% (LLP) | 2017-04-22 | Ceased 2023-01-18 |
Filing timeline
Last 20 of 62 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-05-19 | AA | accounts | Accounts with accounts type full | |
| 2026-05-08 | LLPSC07 | persons-with-significant-control | Cessation of a person with significant control limited liability partnership | |
| 2026-05-08 | LLCS01 | confirmation-statement | Confirmation statement with no updates | |
| 2026-05-08 | LLPSC02 | persons-with-significant-control | Notification of a person with significant control limited liability partnership | |
| 2026-05-08 | LLPSC02 | persons-with-significant-control | Notification of a person with significant control limited liability partnership | |
| 2025-06-04 | AA | accounts | Accounts with accounts type full | |
| 2025-04-28 | LLCS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-11-07 | LLAP02 | officers | Appoint corporate member limited liability partnership with appointment date | |
| 2024-11-07 | LLPSC02 | persons-with-significant-control | Notification of a person with significant control limited liability partnership | |
| 2024-11-07 | LLTM01 | officers | Termination member limited liability partnership with name termination date | |
| 2024-11-07 | LLPSC07 | persons-with-significant-control | Cessation of a person with significant control limited liability partnership | |
| 2024-05-04 | AA | accounts | Accounts with accounts type full | |
| 2024-04-30 | LLCS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-08-16 | AA | accounts | Accounts with accounts type full | |
| 2023-05-22 | LLCH02 | officers | Change corporate member limited liability partnership with name change date | |
| 2023-05-22 | LLPSC05 | persons-with-significant-control | Change to a person with significant control limited liability partnership | |
| 2023-04-24 | LLCS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-04-24 | LLCH02 | officers | Change corporate member limited liability partnership with name change date | |
| 2023-01-23 | LLPSC02 | persons-with-significant-control | Notification of a person with significant control limited liability partnership | |
| 2023-01-23 | LLPSC02 | persons-with-significant-control | Notification of a person with significant control limited liability partnership |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 5
- 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.