LV PROTECTION LIMITED
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Cash
—
Latest balance sheet
Net assets
£3.7M
-19.9% lowest in 3 filed years
Employees
—
Average over period
Profit before tax
£237K
+79.2% vs 2024
Net assets
3-year trend · vs Financials 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 |
|---|---|---|---|---|---|
| Gross written premiums | — | — | — | — | |
| Net earned premiums | £110,725 | £103,953 | £92,962 | -10.6% | |
| Claims incurred | £62,726 | £120,428 | £45,008 | -62.6% | |
| Investment return | £210,738 | £240,039 | £181,200 | -24.5% | |
| Profit before tax | £267,204 | £132,444 | £237,363 | +79.2% | |
| Net profit | £200,403 | £103,286 | £178,022 | +72.4% | |
| Insurance contract liabilities | £627,484 | £610,754 | £534,210 | -12.5% | |
| Total assets | £5,426,196 | £5,440,497 | £4,457,216 | -18.1% | |
| Total liabilities | £5,426,196 | £815,991 | £754,688 | -7.5% | |
| Equity | £4,521,220 | £4,624,506 | £3,702,528 | -19.9% | |
| Average employees | — | — | — | — |
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 |
|---|---|---|---|---|
| Gearing (liabilities / total assets) | 16.7% | 15.0% | 16.9% |
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 3 times since incorporation
- LV PROTECTION LIMITED 2012-03-16 → present
- MEMBERSHIP SERVICES DIRECT LIMITED 1992-10-20 → 2012-03-16
- BISHOPSCOURT FINANCIAL SERVICES LIMITED 1984-07-17 → 1992-10-20
- BEAGLESHIELD LIMITED 1984-03-12 → 1984-07-17
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Standalone (parent only)
- Auditor
- Forvis Mazars LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The Directors have assessed the level of capital resources and the liquidity of the Company and have a reasonable expectation that the Company has adequate resources to continue in operational existence for a period of at least twelve months from the date of approval of the financial statements. The Company therefore continues to adopt the going concern basis in preparing its financial statements.”
Significant events
- “On 31 May 2017, new business sales were suspended pending a review of market opportunities and further in-house system development and no new business has been written since.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
4 active · 42 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| WILSON, Oliver Thomas | Secretary | 2024-11-04 | — | — |
| HYNAM, David Emmanuel | Director | 2023-02-01 | Aug 1971 | British |
| PERCIVAL, Stephen Keith | Director | 2023-07-26 | Oct 1975 | British |
| ROBERT, Jean-Marc | Director | 2026-01-01 | Sep 1981 | British |
Show 42 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| CASSIDY, Paul Bernard | Secretary | 2007-08-24 | 2013-01-01 |
| HASLER, Brian Edward | Secretary | — | 1991-11-14 |
| JERRARD, Vincent John | Secretary | 2004-02-02 | 2007-08-24 |
| JONES, Michael Peter | Secretary | 2018-09-19 | 2024-11-04 |
| LAKIN, Helen Mary | Secretary | 2000-06-01 | 2001-06-22 |
| NICHOLLS, David William | Secretary | 2002-10-01 | 2004-02-02 |
| NIXON, Raymond | Secretary | 1994-12-08 | 2000-05-31 |
| PETERS, Colin Anthony | Secretary | 2002-01-25 | 2002-10-01 |
| SMALL, Rachel Susan | Secretary | 2013-01-01 | 2018-09-03 |
| WACEY, Christopher John | Secretary | 1991-11-14 | 1993-06-15 |
| WRIGHT, Graham Marvel | Secretary | 2001-06-22 | 2002-01-25 |
| BISHOPSCOURT FINANCIAL SERVICES LTD | Corporate Secretary | 1993-06-15 | 1994-12-08 |
| ABERCROMBY, Keith William | Director | 2007-08-17 | 2010-11-09 |
| BERRYMAN, Malcolm Leonard | Director | 2002-01-25 | 2002-07-25 |
| BILLING, Michael Julian | Director | 1997-07-11 | 2002-01-25 |
| CASSIDY, Paul Bernard | Director | 2007-08-24 | 2012-03-23 |
| CLIFFORD, Robert Martin | Director | 2000-03-31 | 2000-05-05 |
| CLIFFORD, Robert Martin | Director | 1997-05-01 | 2000-03-31 |
| CUDMORE, Barry | Director | 2022-04-01 | 2023-05-25 |
| CULLEN, Robin Neville | Director | 1992-02-03 | 1995-12-31 |
| CULLEN, Robin Neville | Director | — | 1991-11-14 |
| EAGLES, Michael David | Director | — | 1991-11-14 |
| GRANGER, Bruce Dominique | Director | 1996-08-27 | 2002-01-25 |
| HANSCOMB, Mark Russell | Director | 2022-04-01 | 2025-12-31 |
| HARTIGAN, Mark Patrick | Director | 2020-06-15 | 2022-09-30 |
| HAYNES, Stephen Robert | Director | 2012-03-23 | 2017-12-31 |
| JERRARD, Vincent John | Director | 2006-04-03 | 2007-08-24 |
| MOORE, Philip Wynford | Director | 2010-11-09 | 2017-06-29 |
| NICHOLLS, David William | Director | 2002-07-25 | 2006-03-31 |
| PARSONS, Andrew Mark | Director | 2017-06-30 | 2019-11-30 |
| PERKS, John Trevor | Director | 2017-07-01 | 2019-02-25 |
| RIX, Myles Ian | Director | 2016-03-24 | 2017-06-30 |
| ROGERS, Michael John | Director | 2012-03-23 | 2016-07-28 |
| ROWNEY, Richard Alexander | Director | 2019-05-10 | 2019-12-31 |
| ROWNEY, Richard Alexander | Director | 2012-03-23 | 2018-07-01 |
| RUTHERFORD, Michael William | Director | — | 2006-12-14 |
| SNOW, Anthony Wayne | Director | 2018-07-01 | 2021-09-16 |
| SPRAGG, Roy John | Director | 2002-01-25 | 2007-08-17 |
| WACEY, Christopher John | Director | — | 2002-07-25 |
| WALKER, Christopher | Director | 2020-11-23 | 2022-01-14 |
| WILLIAMS, Stephen Martin | Director | — | 2002-01-25 |
| WRIGHT, Graham Marvel | Director | 1996-08-19 | 2002-01-25 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Liverpool Victoria Financial Services Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2020-01-02 | Active |
Filing timeline
Last 20 of 259 total filings
Material constitutional events — rename, articles re-file, resolution
- 2025-05-27 RESOLUTIONS Resolution
- 2025-05-16 RESOLUTIONS Resolution
- 2025-04-30 RESOLUTIONS Resolution
- 2025-04-02 RESOLUTIONS Resolution
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-06-04 | AA | accounts | Accounts with accounts type full | |
| 2026-01-14 | AP01 | officers | Appoint person director company with name date | |
| 2026-01-08 | TM01 | officers | Termination director company with name termination date | |
| 2025-08-19 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2025-07-17 | AA | accounts | Accounts with accounts type full | |
| 2025-05-27 | SH19 | capital | Capital statement capital company with date currency figure | |
| 2025-05-27 | SH20 | capital | Legacy | |
| 2025-05-27 | CAP-SS | insolvency | Legacy | |
| 2025-05-27 | RESOLUTIONS | resolution | Resolution | |
| 2025-05-16 | RESOLUTIONS | resolution | Resolution | |
| 2025-05-14 | SH01 | capital | Capital allotment shares | |
| 2025-04-30 | SH19 | capital | Capital statement capital company with date currency figure | |
| 2025-04-30 | SH20 | capital | Legacy | |
| 2025-04-30 | CAP-SS | insolvency | Legacy | |
| 2025-04-30 | RESOLUTIONS | resolution | Resolution | |
| 2025-04-02 | RESOLUTIONS | resolution | Resolution | |
| 2025-04-02 | SH01 | capital | Capital allotment shares | |
| 2024-11-13 | AP03 | officers | Appoint person secretary company with name date | |
| 2024-11-13 | TM02 | officers | Termination secretary company with name termination date | |
| 2024-08-28 | CS01 | confirmation-statement | Confirmation statement with updates |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 5
- Capital events
- 6
- Officers appointed
- 1
- Officers resigned
- 1
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.