Company Overview
Xps Pensions Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Thursday 16 September 1999, so this is a well established company. Xps Pensions Limited has been in business for 26 years and 6 months. The accounts status is full and the accounts are next due on Thursday 31 December 2026.
Registered Address

Phoenix House, 1 Station Hill, Reading, RG1 1NB
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Companies House Data
Company NameXPS PENSIONS LIMITED
Company Number03842603
Registered Office AddressPhoenix House
 1 Station Hill
 RG1 1NB
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date16/09/1999
Accounting Reference Date Day31
Accounting Reference Date Month3
Accounts Next Due Date31/12/2026
Accounts Last Made Up Date31/03/2025
Accounts Account CategoryFULL
Returns Next Due Date14/10/2016
Returns Last Made Up Date16/09/2015
Previous Company NameChanged Date
PUNTER SOUTHALL LIMITED01 Apr 2019
PUNTER SOUTHALL & CO LIMITED04 Jan 2007
Directors & Members
Show Resigned
Benjamin Bramhall - Director
(British, 49 years old, born May 1977)
Appointed 11 January 2018
 Active
Paul Cuff - Director
(British, 50 years old, born August 1976)
Appointed 11 January 2018
 Active
Patrick McCoy - Director
(British, 56 years old, born December 1970)
Appointed 16 April 2019
 Active
Snehal Shah - Director
(British, 51 years old, born October 1975)
Appointed 15 July 2019
 Active
Secretaries
Show Resigned
Other Company Directorships
Benjamin Bramhall
ENTEGRIA LIMITED
HAZELL CARR (AT) SERVICES LIMITED
HAZELL CARR (ES) SERVICES LIMITED
HAZELL CARR (PN) SERVICES LIMITED
HAZELL CARR (SA) SERVICES LIMITED
HAZELL CARR (SG) SERVICES LIMITED
SEI (NEXUS) LIMITED
VIDETT HRT LIMITED
XAFINITY PENSION TRUSTEES LIMITED
XAFINITY PENSIONS CONSULTING LIMITED
XAFINITY PT LIMITED
XAFINITY TRUSTEES LIMITED
XPS ADMINISTRATION HOLDINGS LIMITED
XPS ADMINISTRATION LIMITED
XPS CONSULTING LIMITED
XPS FINANCING LIMITED
XPS HOLDINGS LIMITED
XPS INVESTMENT LIMITED
XPS PENSIONS (RL) LIMITED
XPS PENSIONS (TRIGON) LIMITED
XPS PENSIONS CONSULTING LIMITED
XPS PENSIONS GROUP PLC
XPS READING LIMITED
XPS SIPP SERVICES LIMITED
Paul Cuff
ENTEGRIA LIMITED
HAZELL CARR (AT) SERVICES LIMITED
HAZELL CARR (ES) SERVICES LIMITED
HAZELL CARR (PN) SERVICES LIMITED
HAZELL CARR (SA) SERVICES LIMITED
HAZELL CARR (SG) SERVICES LIMITED
SEI (NEXUS) LIMITED
VIDETT HRT LIMITED
XAFINITY PENSION TRUSTEES LIMITED
XAFINITY PENSIONS CONSULTING LIMITED
XAFINITY PT LIMITED
XAFINITY TRUSTEES LIMITED
XPS ADMINISTRATION HOLDINGS LIMITED
XPS ADMINISTRATION LIMITED
XPS CONSULTING LIMITED
XPS FINANCING LIMITED
XPS HOLDINGS LIMITED
XPS INVESTMENT LIMITED
XPS PENSIONS (RL) LIMITED
XPS PENSIONS (TRIGON) LIMITED
XPS PENSIONS CONSULTING LIMITED
XPS PENSIONS GROUP PLC
XPS READING LIMITED
XPS SIPP SERVICES LIMITED
Patrick McCoy
XPS PENSIONS CONSULTING LIMITED
Snehal Shah
ENTEGRIA LIMITED
HAZELL CARR (AT) SERVICES LIMITED
HAZELL CARR (ES) SERVICES LIMITED
HAZELL CARR (PN) SERVICES LIMITED
HAZELL CARR (SA) SERVICES LIMITED
HAZELL CARR (SG) SERVICES LIMITED
SHAN 46 LIMITED
ST. LUKE'S HOSPICE (HARROW & BRENT) LTD.
XAFINITY PENSION TRUSTEES LIMITED
XAFINITY PENSIONS CONSULTING LIMITED
XAFINITY PT LIMITED
XAFINITY TRUSTEES LIMITED
XPS ADMINISTRATION HOLDINGS LIMITED
XPS ADMINISTRATION LIMITED
XPS CONSULTING LIMITED
XPS FINANCING LIMITED
XPS HOLDINGS LIMITED
XPS INVESTMENT LIMITED
XPS PENSIONS (RL) LIMITED
XPS PENSIONS (TRIGON) LIMITED
XPS PENSIONS CONSULTING LIMITED
XPS PENSIONS GROUP PLC
XPS READING LIMITED
XPS SIPP SERVICES LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Mar-2025 31-Dec-2013 31-Dec-2012
Balance Sheet
Fixed Assets 575,402 575,402 575,402
Current Assets 17,311,363 17,311,363 14,537,328
Creditors Due Within One Year 5,053,254 5,053,254 4,828,547
Working Cap 12,258,109 12,258,109 9,708,781
Total Assets Less Current Liabilities 12,833,511 12,833,511 10,284,183
Long-term Liabilities 300,990 300,990 336,027
Net Assets 12,532,521 12,532,521 9,948,156
Share Capital & Reserves
Share Cap 100,000 100,000 100,000
Profit & Loss Reserves 12,230,521 12,230,521 9,646,156
Other Reserves 202,000 202,000 202,000
Shareholders Funds 12,532,521 12,532,521 9,948,156
Common Size Financial Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Dec-2013 31-Dec-2012
Tangible Fixed Assets - - -
Fixed Assets 3.2% 3.2% 3.8%
Stocks Inventory 0.0% 0.0% 0.0%
Debtors 31.9% 31.9% 41.2%
Cash Bank In Hand 10.0% 10.0% 8.7%
Current Assets 96.8% 96.8% 96.2%
Creditors Due Within One Year 28.3% 28.3% 32.0%
Net Current Assets Liabilities 68.5% 68.5% 64.2%
Creditors Due After One Year 1.7% 1.7% 2.2%
Accruals Deferred Income - - -
Provisions For Liabilities Charges - - -
Net Assets Liabilities Including Pension Asset Liability 70.1% 70.1% 65.8%
Called Up Share Capital 0.6% 0.6% 0.7%
Share Capital Allotted Called Up Paid 0.6% 0.6% 0.7%
Profit Loss Account Reserve 68.4% 68.4% 63.8%
Shareholder Funds 70.1% 70.1% 65.8%
Capital Employed - - -
Total Assets Less Current Liabilities 71.7% 71.7% 68.0%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Dec-2013 31-Dec-2012
Liquidity Ratio 3.4 3.4 3.0
Solvency Ratio 3.3 3.3 2.9
Reserves to Assets 0.7 0.7 0.6
Secured Creditors Unlock full report
Mortgages Charges 9
Mortgages Outstanding 1
Mortgages Part Satisfied 0
Mortgages Satisfied 8
Assets and Debt Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Dec-2013 31-Dec-2012
Assets 17,886,765 17,886,765 15,112,730
Debt 5,354,244 5,354,244 5,164,574
Net Assets/Debt 12,532,521 12,532,521 9,948,156

The following is based on the accounts data presented in this report sourced from Companies House, however the company has filed later accounts. Our analysis of the latest account can be viewed by unlocking our full report.

The company balance sheet displays a comfortable surplus of working capital. We would normally view this positively. Total reserves including retained profitability and movement in reserves appeared positive. We would normally view a company positively for this. The balance sheet indicates the net assets of a good sized company. For the size of the company inferred by the balance sheet the level of net assets suggests a comfortable level of cover for total debts and obligations.

Unlock full report  The following is based on the accounts data presented in this report sourced from Companies House, however the company has filed later accounts. Our analysis of the latest account can be viewed by unlocking our full report.The company balance sheet displays a comfortable surplus of working capital. We would normally view this positively. Total reserves including retained profitability and movement in reserves appeared positive. We would normally view a company positively for this. The balance sheet indicates the net assets of a good sized company. For the size of the company inferred by the balance sheet the level of net assets suggests a comfortable level of cover for total debts and obligations.   The following is based on the accounts data presented in this report sourced from Companies House, however the company has filed later accounts. Our analysis of the latest account can be viewed by unlocking our full report.The company balance sheet displays a comfortable surplus of working capital. We would normally view this positively. Total reserves including retained profitability and movement in reserves appeared positive. We would normally view a company positively for this. The balance sheet indicates the net assets of a good sized company. For the size of the company inferred by the balance sheet the level of net assets suggests a comfortable level of cover for total debts and obligations.

This review of public record balance sheet and company status information is presented under the terms of Open Government Licence and is for informational purposes only, is general in nature, and is not intended as an opinion or advice for any specific circumstances. The commentary and the colour band score is not a credit rating or credit risk assessment.

This review does not constitute a full credit rating or credit risk assessment based on the full analysis and credit score algorithms used in our credit reports. A full credit report may also provide information relating to trade payment history and county court or court judgments if any.

Public Record Information Unlock full report
Exact Court Judgements
Period of Months Last 12m 13-24m 25-36m 37-48m 49-60m 61-72m
Number of Exact CCJS X Y Y X X Y
Value of Exact CCJS YXY YK S S X KX
Supplier Credit Limits Unlock full report
Date Sector Notified Amount Terms
XK-SXY XKXYXK SXSKXYXK £X,000 XS XYSKS
SK-SYY SKXYXKYKKY KSXX KKXXYXS £YY,000 YS XYSKS SK YXXSXS
YK-SXY XKXYXYYK SXSXYXK £SX,000 XS XYSKS
Payment Records Unlock full report
Payment Records from it's suppliers' company ledger show how a company is paying its suppliers

Payment Analysis

Total Invoices Paid Before
30 days due		 Paid After
30 days due		 Owing Before
30 days due		 Owing after
30 days due
XYX SX K YX X
Company Valuation Analysis Unlock full report

Going Concern Valuation

The going concern valuations value the company on the basis that it continues to trade without the threat of liquidation for the foreseeable future. These valuations are primarily profit and cashflow based.

Valuations Valuation Measures
Estimated High Value £XSI,000 Retained Profit £YX,000
Estimated Mid Value £YY,000 EBIT £SY,000
Estimated Low Value £X,000 EBITDA £SSX,000

Liquidation Valuation

The liquidaton valuation values the company as if it were to cease trading and assets were subject to rapid disposal to cover liabilities. This valuation is primarily asset based.

Valuations Valuation Measures
Estimated High Value £XY,000 Total Assets £XIX,000
Estimated Mid Value £Y,000 Net Assets £YX,000
Estimated Low Value £S,000 Tangible Equity £SX,000

The above valuations are based on our own algorithms and take no account of many factors that can influence actual valuations realized and should not therefore be assumed to be accurate.
Credit Status Checklist Unlock full report
Business Growth Please purchase a report to see true comments
EBITDA Purchase a report to see true comments
Dividends Please purchase a report to see true comments about this company
Retained Profits Retained Profits for this company
Debt Interest Debt Interest for this company
Cash Flow Cash Flow for this company
CCJs CCJs for this company
Age of Company Age of Company for this company
Solvency Solvency for this company
Secured Creditors Secured Creditors for this company
Ownership Ownership for this company


First Report Score: (0-10) X
Financial Status Guide:
10 Very Strong
9 Strong
8 Very Good
7 Good
6 Above Average
5 Average
4 Below Average
3 Poor
2 Weak
1 Very Weak
0 Critical

Risk Score Trend

Risk Rating Unlock full report

This is the credit risk assessment used by one of the top UK credit reference agencies.

Risk Score (1-100) X
Risk Band Description XXMXMXMX SISX
Risk Assessment Meeting of Creditors
Credit Rating XSKX
Altman Z Score Credit Risk Rating Unlock full report

There have been many bankruptcy predictors developed, however none has been so thoroughly tested and broadly accepted as the Altman Z-Score.

Z Score X
Risk Band XY
Risk Band Description The Z Score is not used for small companies where full accounts are not filed because profit and loss account items are required to calculate the score.

Z Score Bands

1 Low Risk 3.00 and above
2 Caution 2.63 - 2.99
3 Risk of Failure within 2 years 1.24 - 2.62
4 High Probability Failure Below 1.24
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XPS PENSIONS GROUP PLC
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XAFINITY PENSION TRUSTEES LIMITED
PHOENIX HOUSE, 1 STATION HILL, READING, RG1 1NB
HAZELL CARR (ES) SERVICES LIMITED
PHOENIX HOUSE, 1 STATION HILL, READING, RG1 1NB
HAZELL CARR (SG) SERVICES LIMITED
PHOENIX HOUSE, 1 STATION HILL, READING, RG1 1NB
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