UNITED INSURANCE BROKERS LIMITED
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Next accounts due
2027-09-30 (in 1y)
Last filed for 2025-12-31
Confirmation statement due
2026-12-23 (in 7mo)
Last made up 2025-12-09
Watchouts
None on the register
Cash
£2M
-50.2% vs 2024
Net assets
£7M
-28.1% vs 2024
Employees
148
-4.5% vs 2024
Profit before tax
-£3M
-1,272.1% vs 2024
Net assets
2-year trend · vs Financials median
Accounts
2-year trend · latest reflected 2025-12-31
| Metric | Trend | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Turnover | £20,675,852 | £16,199,755 | |
| Operating profit | -£960,964 | -£3,745,985 | |
| Profit before tax | £256,336 | -£3,004,507 | |
| Net profit | £256,336 | -£3,004,507 | |
| Cash | £4,502,247 | £2,239,965 | |
| Total assets less current liabilities | £10,551,385 | £7,995,914 | |
| Net assets | £9,371,538 | £6,739,204 | |
| Equity | £9,371,538 | £6,739,204 | |
| Average employees | 155 | 148 | |
| Wages | £13,389,437 | £12,860,094 | |
| Directors' remuneration | £1,538,249 | £1,457,068 |
Values shown as filed in the company's annual accounts. — indicates the figure wasn't present under that line item in that period. About these numbers
Year-on-year
FY2024 → FY2025 · period ending 2025-12-31 vs 2024-12-31
-
Turnover
-21.6%
£20,675,852 £16,199,755
-
Cash
-50.2%
£4,502,247 £2,239,965
-
Net assets
-28.1%
£9,371,538 £6,739,204
-
Employees
-4.5%
155 148
-
Operating profit
-289.8%
-£960,964 -£3,745,985
-
Profit before tax
-1,272.1%
£256,336 -£3,004,507
-
Wages
-4%
£13,389,437 £12,860,094
Each % is (latest − prior) ÷ |prior| for the line item as filed. The comparison is only shown when the latest and prior accounts cover broadly equal-length periods — short or long stubs (typical around incorporation or a year-end change) are suppressed rather than misrepresented. Lines a company doesn't report are omitted. About these numbers
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating margin | -4.6% | -23.1% | |
| Net margin | 1.2% | -18.5% | |
| Return on capital employed | -9.1% | -46.8% | |
| Current ratio | 2.31x | 2.24x | |
| Interest cover | -2.39x | -7.75x |
Margins divide P&L lines by turnover. 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 1 time since incorporation
- UNITED INSURANCE BROKERS LIMITED 1986-11-26 → present
- RATHMILL FINANCIAL SERVICES LIMITED 1986-07-07 → 1986-11-26
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Standalone (parent only)
- Auditor
- PKF Littlejohn LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“At the time of approving the financial statements. the directors have a reasonable expectation that the company has adequate resources to continue in operational existence for the foreseeable future. Thus, the directors continue to adopt the going concern basis of accounting in preparing the financial statements.”
Significant events
- “During the year, the company and group relocated to a new office at The Leadenhall Building in London.”
- “On 17 April 2025, the Serious Fraud Office ("SFO") charged the Company with a single count of failing to prevent bribery by an associated person, contrary to Section 7 of the UK Bribery Act 2010. ... The trial has been scheduled for June 2027. The company is disputing the charge. At this time, due to the uncertainties involved, the existence or quantum of any possible future financial penalties is unable to be determined, if this charge were to be upheld.”
- “In 2019 the CADE in Brazil commenced proceedings in respect to activity in the aviation and broking industry. On 10 February 2026, the CADE General Superintendency recommended to the Administrative Tribunal that the case be dismissed, due to insufficiency of evidence. A final judgment from the Tribunal is currently awaited.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
8 active · 25 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| SINFIELD, Paul Maurice Keith | Secretary | 2004-12-30 | — | British |
| BARRINGTON, Shaun Richard Williams | Director | 2014-12-15 | Jul 1969 | British |
| FISHER, Craig Arthur | Director | 2016-06-15 | Jan 1954 | British |
| GRIBBEN, Michael Keith | Director | 2017-09-18 | Jan 1973 | British |
| KABBAN, Bassem Salim | Director | 1987-01-19 | Apr 1955 | British |
| MCMAHON, Andrew Neil Mcintyre | Director | 2024-06-10 | Nov 1968 | British |
| PALLES-CLARK, Stephen Leslie | Director | 2019-01-21 | Mar 1967 | British |
| SHARP, Ralph Julian | Director | 2012-01-06 | Aug 1950 | British |
Show 25 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| DAVISON, Michael Jeremy | Secretary | — | 2004-12-31 |
| ANDERSON, Keith Michael | Director | 2009-11-30 | 2017-08-31 |
| BERRIDGE, Philip Anthony | Director | — | 2001-12-31 |
| BISHOP, Christopher David | Director | 1999-04-29 | 2012-03-31 |
| BOAG, David Hamilton | Director | 1999-05-19 | 2002-07-31 |
| DAVISON, Michael Jeremy | Director | — | 1999-07-14 |
| GEORGE, David | Director | 2006-06-30 | 2011-08-16 |
| HAYNE, Robert James Gordon | Director | 1998-03-23 | 2011-07-18 |
| HOUGH, Alan Edward | Director | 1999-06-02 | 2000-09-08 |
| KABBAN, George Jad | Director | 1997-01-30 | 1998-01-16 |
| KABBAN, Jad George | Director | — | 1996-06-30 |
| KABBAN, Michael George | Director | — | 1995-11-23 |
| KABBAN, Mounir George | Director | — | 2011-07-18 |
| KAMAL, Misbah | Director | — | 1998-01-16 |
| LACK, Michael Robert | Director | — | 2010-04-01 |
| LILLE, Gary | Director | 1987-01-19 | 2015-11-30 |
| LINDLEY, Robert Morton | Director | 2019-11-29 | 2020-10-30 |
| LITTLE, Andrew Malcolm | Director | 1997-10-01 | 2011-07-18 |
| LOCKYER, Colin | Director | — | 1998-01-16 |
| SMALL, Barbara Ann | Director | 1999-05-19 | 2015-01-16 |
| TREZIES, David Peter | Director | 2005-05-23 | 2011-07-18 |
| TUITE-DALTON, Philip Alan Cassan | Director | 2001-01-29 | 2017-06-01 |
| VINE, Nicholas | Director | 2001-01-01 | 2004-10-21 |
| WILLIS, Stephen Mark | Director | 1999-05-19 | 2002-06-24 |
| WOODS, Alan Robert | Director | 2001-03-26 | 2009-11-30 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Uib Holdings (Uk) Limited | Corporate entity | Shares 75–100%, Voting 75–100% | 2016-04-06 | Active |
Filing timeline
Last 20 of 211 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-04-04 | AA | accounts | Accounts with accounts type full | |
| 2026-03-09 | CH01 | officers | Change person director company with change date | |
| 2025-12-09 | CH01 | officers | Change person director company with change date | |
| 2025-12-09 | CH01 | officers | Change person director company with change date | |
| 2025-12-09 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-11-21 | PSC05 | persons-with-significant-control | Change to a person with significant control | |
| 2025-08-11 | AD01 | address | Change registered office address company with date old address new address | |
| 2025-07-24 | AA | accounts | Accounts with accounts type full | |
| 2024-12-09 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-07-30 | AA | accounts | Accounts with accounts type full | |
| 2024-06-10 | AP01 | officers | Appoint person director company with name date | |
| 2024-06-05 | CH01 | officers | Change person director company with change date | |
| 2023-12-11 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-09-12 | AA | accounts | Accounts with accounts type full | |
| 2022-12-13 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-09-13 | AA | accounts | Accounts with accounts type full | |
| 2021-12-09 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2021-06-30 | AA | accounts | Accounts with accounts type full | |
| 2020-12-09 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2020-10-30 | TM01 | officers | Termination director company with name termination date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 8
- Capital events
- 0
- Officers appointed
- 0
- Officers resigned
- 0
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.