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Company Registration No. 15682711 (England and Wales)
Pensionpay Limited Unaudited accounts for the year ended 31 December 2025
Pensionpay Limited Unaudited accounts Contents
Page
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Pensionpay Limited Company Information for the year ended 31 December 2025
Directors
Robin Elizabeth Saunders Philip Rory Murphy Kaine Price James Alexander Watt
Company Number
15682711 (England and Wales)
Registered Office
Chancery House Chancery Lane London WC2A 1QS United Kingdom
Accountants
Accounts and Legal Consultants Ltd Suite 1-3, The Hop Exchange 24 Southwark Street London SE1 1TY
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Pensionpay Limited Statement of financial position as at 31 December 2025
2025 
2024 
Notes
£ 
£ 
Fixed assets
Intangible assets
290,000 
290,000 
Tangible assets
5,768 
7,306 
295,768 
297,306 
Current assets
Debtors
23,986 
1,178,606 
Cash at bank and in hand
293,110 
348,477 
317,096 
1,527,083 
Creditors: amounts falling due within one year
(478,108)
(62,669)
Net current (liabilities)/assets
(161,012)
1,464,414 
Net assets
134,756 
1,761,720 
Capital and reserves
Called up share capital
57,500 
53,750 
Share premium
1,472,500 
2,026,250 
Profit and loss account
(1,395,244)
(318,280)
Shareholders' funds
134,756 
1,761,720 
For the year ending 31 December 2025 the company was entitled to exemption from audit under section 477 of the Companies Act 2006 relating to small companies. The members have not required the company to obtain an audit in accordance with section 476 of the Companies Act 2006.
The directors acknowledge their responsibilities for complying with the requirements of the Act with respect to accounting records and the preparation of accounts.
These accounts have been prepared and delivered in accordance with the provisions applicable to companies subject to the small companies' regime and in accordance with the provisions of FRS 102 Section 1A - Small Entities. The profit and loss account has not been delivered to the Registrar of Companies.
The financial statements were approved by the Board of Directors and authorised for issue on 12 August 2026 and were signed on its behalf by
Robin Elizabeth Saunders Director Company Registration No. 15682711
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Pensionpay Limited Notes to the Accounts for the year ended 31 December 2025
1
Statutory information
Pensionpay Limited is a private company, limited by shares, registered in England and Wales, registration number 15682711. The registered office is Chancery House, Chancery Lane, London, WC2A 1QS, United Kingdom.
2
Compliance with accounting standards
The accounts have been prepared in accordance with the provisions of FRS 102 Section 1A Small Entities. There were no material departures from that standard.
3
Accounting policies
The principal accounting policies adopted in the preparation of the financial statements are set out below and have remained unchanged from the previous year, and also have been consistently applied within the same accounts.
Basis of preparation
The accounts have been prepared under the historical cost convention as modified by the revaluation of certain fixed assets.
Presentation currency
The accounts are presented in £ sterling.
Wages and salaries
Wages and salaries are recognised as an expense in the period in which the related services are provided. Any amounts unpaid at the reporting date are recognised as accruals.
Foreign exchange
Monetary assets and liabilities in foreign currencies are translated into sterling at the rates of exchange ruling at the balance sheet date. Transactions in foreign currencies are translated into sterling at the rates of exchange ruling at the date of the transaction. Exchange differences are taken into account in arriving at the operating profit.
Tangible fixed assets and depreciation
Tangible assets are included at cost less depreciation and impairment.
Intangible fixed assets
Intangible fixed assets (including purchased goodwill and patents) are included at cost less accumulated amortisation. Amortisation has been provided using the straight line method at the following rates in order to write off the assets over their estimated useful lives: - Intellectual property 25%
Pension costs
The company operates a defined contribution scheme for the benefit of its employees. Contributions payable are recognised in the profit and loss account when due.
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Pensionpay Limited Notes to the Accounts for the year ended 31 December 2025
4
Intangible fixed assets
Other 
£ 
Cost
At 1 January 2025
290,000 
At 31 December 2025
290,000 
Amortisation
At 1 January 2025
- 
At 31 December 2025
- 
Net book value
At 31 December 2025
290,000 
At 31 December 2024
290,000 
5
Tangible fixed assets
Computer equipment 
£ 
Cost or valuation
At cost 
At 1 January 2025
7,691 
At 31 December 2025
7,691 
Depreciation
At 1 January 2025
385 
Charge for the year
1,538 
At 31 December 2025
1,923 
Net book value
At 31 December 2025
5,768 
At 31 December 2024
7,306 
6
Debtors
2025 
2024 
£ 
£ 
Amounts falling due within one year
VAT
19,625 
23,602 
Accrued income and prepayments
2,741 
5,004 
Other debtors
1,620 
1,150,000 
23,986 
1,178,606 
7
Creditors: amounts falling due within one year
2025 
2024 
£ 
£ 
Trade creditors
121,327 
13,647 
Taxes and social security
46,981 
49,022 
Other creditors
309,800 
- 
478,108 
62,669 
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Pensionpay Limited Notes to the Accounts for the year ended 31 December 2025
8
Average number of employees
During the year the average number of employees was 4 (2024: 4).
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