Step-by-Step Financial Planners Limited
Registered name: STEP-BY-STEP FINANCIAL PLANNERS LIMITED
Part of Marygold & Co. (UK) Limited groupStep-by-Step Financial Planners Limited made £326k revenue and a £9k loss in the year to 30 Jun 2025.
Step-by-Step Financial Planners Limited’s revenue was £326k in the year to 30 Jun 2025, with a loss of £9k and 5 employees. The company is classified under “financial intermediation not elsewhere classified” and is based in Rugeley; we hold 3 years of its filed accounts.
- Status
- Active
- Location
- Rugeley, West Midlands
- Age
- 16 yrs · since 2010
- Type
- Private Limited Company
Pass-through vehicle. This looks like a holding, staffing or umbrella company. Its revenue and profit may largely pass through to or from other entities, so the figures may not reflect a standalone operating business. It is excluded from our opportunity lists.
Part of a group. The filing indicates this company sits within a group structure, so its results may depend on intra-group trading and it may be hard to replicate independently.
Key figures
Badges are automated estimates derived from the filed figures — not statements of fact about the company.
Financial history
| Year to | 30 Apr 2023 | 30 Jun 2024 | 30 Jun 2025 |
|---|---|---|---|
| Disclosure | Full P&L | Full P&L | Full P&L |
| Profit & loss | |||
| Revenue (turnover) | £297k | £367k | £326k |
| Cost of sales | £49.9k | £1.4k | £37.2k |
| Gross profit | £247k | £365k | £289k |
| Operating profit | £129k | £133k | −£8.7k |
| Profit before tax | £129k | £135k | −£7.9k |
| Profit after tax | £103k | £105k | −£9k |
| Profit (best available) | £103k | £105k | −£9k |
| Staff costs | £82.2k | £146k | £231k |
| Employees (average) | 4 | 5 | 5 |
| Ratios | |||
| Profit margin | 34.8% | 28.6% | −2.8% |
| Gross margin | 83.2% | 99.6% | 88.6% |
| Revenue per employee | £74.3k | £73.3k | £65.2k |
| Profit per employee | £25.9k | £21k | −£1.8k |
| Balance sheet — indirect signals, not revenue | |||
| Cash at bank | £158k | £214k | £68.8k |
| Net assets | £149k | £207k | £98.4k |
| Fixed assets | £36.2k | £20.6k | £14.1k |
| Current assets | £166k | £245k | £103k |
| Debtors | £8k | £31.5k | £33.8k |
| Source | FullAccounts · bulk data Mar 2025 | FullAccounts · bulk data Mar 2025 | FullAccounts · bulk data Mar 2026 |
How the business works
- Profit margin
- −2.8%
- Profit ÷ revenue.
- Gross margin
- 88.6%
- Gross profit ÷ revenue. High for software and services.
- Revenue per employee
- £65.2k
- Revenue ÷ average employees.
- Profit per employee
- −£1.8k
- Profit ÷ average employees.
- Cash conversion
- —
- Cash generated from operations ÷ operating profit. Needs a cash-flow statement.
- Fixed assets ÷ revenue
- 4.3%
- Capital intensity. Low = capital-light, cheaper to start.
- Deferred income ÷ revenue
- —
- Customers paying upfront (subscriptions, deposits). Approximate when combined with accruals.
- Debtors ÷ revenue
- 10.4%
- 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
- —
- Now £98.4k
- Cash at bank
- —
- Now £68.8k
- Headcount
- —
- Now 5
- Deferred income
- —
- Now —
- Fixed assets
- —
- Now £14.1k
Group structure
Ownership chain
- Marygold & Co. (UK) Limitedultimate parent75–100%
- Step-by-Step Financial Planners Limitedthis company
Bands show the share of ownership each company holds in the one below it.
Sister companies (1)
- Marygold & Co. LimitedRev. £331k · Profit −£24.3k
From the Persons with Significant Control register (corporate controllers only).
Sources
Latest figures from FullAccounts for the year to 30 Jun 2025 (profit −£9k), from the Companies House accounts bulk data published Mar 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.