The Personal Finance Society
Registered name: THE PERSONAL FINANCE SOCIETY
The Personal Finance Society made £8.5m revenue and £3k profit in the year to 31 Dec 2025.
The Personal Finance Society’s revenue fell 2% to £8.5m in the year to 31 Dec 2025, with £3k profit and 0 employees. The company is classified under “activities of professional membership organizations” and is based in London; we hold 4 years of its filed accounts.
- Status
- Active
- Location
- London, London
- Age
- 22 yrs · since 2004
- Type
- PRI/LBG/NSC (Private, Limited by guarantee, no share capital, use of 'Limited' exemption)
Non-profit. It is limited by guarantee (typically an association, club or management company), so it isn't run for profit. It is excluded from our opportunity lists.
Key figures
Badges are automated estimates derived from the filed figures — not statements of fact about the company.
Financial history
| Year to | 31 Dec 2022 | 31 Dec 2023 | 31 Dec 2024 | 31 Dec 2025 |
|---|---|---|---|---|
| Disclosure | Full P&L | Full P&L | Full P&L | Full P&L |
| Profit & loss | ||||
| Revenue (turnover) | £9.8m | £8.6m | £8.7m | £8.5m |
| Cost of sales | £0 | £0 | £10.2m | £2.5m |
| Gross profit | £9.8m | £8.6m | −£1.4m | £6m |
| Operating profit | £1.8m | −£327k | −£1.4m | −£803k |
| Profit before tax | £1.7m | £122k | −£662k | −£27k |
| Profit after tax | £1.5m | £1.8m | −£662k | £3k |
| Profit (best available) | £1.5m | £1.8m | −£662k | £3k |
| Employees (average) | 2 | 2 | 0 | 0 |
| Ratios | ||||
| Profit margin | 15.8% | 21.1% | −7.6% | 0% |
| Gross margin | 100% | 100% | −16.7% | 70.8% |
| Revenue per employee | £4.9m | £4.3m | — | — |
| Profit per employee | £771k | £911k | — | — |
| Growth (year on year) | ||||
| Revenue growth | — | ▼11.5% | ▲0.8% | ▼2.4% |
| Profit growth | — | ▲18.2% | ▼136.3% | — |
| Headcount growth | — | 0% | ▼100% | — |
| Balance sheet — indirect signals, not revenue | ||||
| Cash at bank | £10m | £12.8m | £13.3m | £15.8m |
| Net assets | £17.3m | £19.1m | £18.6m | £18.6m |
| Fixed assets | £0 | £0 | £172k | £700k |
| Current assets | £21.8m | £21.8m | £21.1m | £20.3m |
| Debtors | £724k | £571k | £7.9m | £637k |
| Deferred income | £611k | £236k | — | — |
| Source | FullAccounts · bulk data Sep 2024 | FullAccounts · bulk data Sep 2024 | FullAccounts · bulk data Sep 2025 | FullAccounts · bulk data Sep 2026 |
How the business works
- Profit margin
- 0%
- Profit ÷ revenue.
- Gross margin
- 70.8%
- Gross profit ÷ revenue. High for software and services.
- Revenue per employee
- —
- Revenue ÷ average employees.
- Profit per employee
- —
- Profit ÷ average employees.
- Cash conversion
- —
- Cash generated from operations ÷ operating profit. Needs a cash-flow statement.
- Fixed assets ÷ revenue
- 8.2%
- Capital intensity. Low = capital-light, cheaper to start.
- Deferred income ÷ revenue
- —
- Customers paying upfront (subscriptions, deposits). Approximate when combined with accruals.
- Debtors ÷ revenue
- 7.5%
- Money owed by customers. Low = customers pay quickly.
Balance-sheet signals
Year-on-year changes in filed balance-sheet items. They can hint at momentum (or investment) but are not revenue or profit and must not be read as such.
- Net assets
- ▲0%
- Now £18.6m
- Cash at bank
- ▲19%
- Now £15.8m
- Headcount
- —
- Now 0
- Deferred income
- —
- Now —
- Fixed assets
- ▲307%
- Now £700k
Group structure
Minority corporate shareholders
From the Persons with Significant Control register (corporate controllers only).
Similar profitable businesses
Sources
Latest figures from FullAccounts for the year to 31 Dec 2025 (profit £3k), from the Companies House accounts bulk data published Sep 2026. Spotted an error? Request a correction.
Contains public sector information from Companies House licensed under the Open Government Licence v3.0. Data from Companies House, © Crown copyright. View the licence.