COVÉA INSURANCE SERVICES LIMITED
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Cash
—
Latest balance sheet
Net assets
—
Equity attributable
Employees
—
Average over period
Profit before tax
—
Period ending 2025-12-31
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 |
|---|---|---|---|---|---|
| Turnover | £121,333,000 | £103,936,000 | £100,277,000 | -3.5% | |
| Operating profit | — | — | — | — | |
| Profit before tax | -£2,063,000 | £576,000 | — | — | |
| Net profit | -£5,900,000 | -£181,000 | — | — | |
| Cash | £2,832,000 | £3,990,000 | — | — | |
| Total assets less current liabilities | £11,798,000 | £12,684,000 | — | — | |
| Net assets | £7,768,000 | £7,587,000 | — | — | |
| Equity | £7,768,000 | £7,587,000 | — | — | |
| Average employees | 1,422 | 1,148 | — | — | |
| Wages | £62,219,000 | £53,273,000 | — | — | |
| Directors' remuneration | £511,000 | £22,000 | — | — |
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 |
|---|---|---|---|---|
| Net margin | -4.9% | -0.2% | — | |
| Gearing (liabilities / total assets) | 86.1% | 86.0% | — | |
| Current ratio | 0.34x | 0.49x | — |
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
- COVÉA INSURANCE SERVICES LIMITED 2016-01-04 → present
- STERLING INSURANCE GROUP LIMITED 1994-09-05 → 2016-01-04
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Standalone (parent only)
- Auditor
- PricewaterhouseCoopers LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The Directors are satisfied that the Company has adequate resources to continue operating for the foreseeable future. Accordingly, they continue to adopt the going concern basis in preparing the Annual Report and Financial Statements.”
Significant events
- “The increase in gross loss in 2025 is driven by the surrender of a lease the Company held on a commercial property in West Malling and a settlement made to exit a historic terminal commission agreement between the Company, a key associated operating company and a third-party broker”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
3 active · 36 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| LAWRY, Rebecca | Secretary | 2023-12-05 | — | — |
| DOMART, Philippe | Director | 2026-05-06 | Nov 1970 | French |
| SALELLES, Pascal | Director | 2026-05-06 | Jul 1969 | French |
Show 36 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BLACKBURN, Alan | Secretary | 1994-09-05 | 1999-07-31 |
| BLACKBURN, Barry John | Secretary | 2003-12-02 | 2010-05-14 |
| CUGLEY, John Henry | Secretary | 2010-05-14 | 2011-11-30 |
| PENOLLAR, Edgardo Paunlagui | Secretary | 2011-11-30 | 2012-01-03 |
| RIVERS-MOORE, Graham Victor | Secretary | 2012-01-03 | 2015-12-11 |
| ROBINSON, Sarah | Secretary | 2023-08-01 | 2023-12-08 |
| SIMMONS, Timothy Kerry | Secretary | 1999-08-01 | 2003-12-02 |
| WILSON, Annabel Felicity | Secretary | 2015-12-11 | 2023-07-28 |
| SWIFT INCORPORATIONS LIMITED | Corporate Nominee Secretary | 1994-09-05 | 1994-09-05 |
| ALEXANDER, John Bernard | Director | 1994-12-16 | 2015-02-24 |
| ALLEN, John Peter Clarkson | Director | 2023-04-28 | 2023-10-16 |
| BARRATT, Gordon John | Director | 1995-10-03 | 1999-03-31 |
| BLACKBURN, Alan | Director | 1994-09-05 | 1998-09-08 |
| BLUNDELL, John Giles | Director | 2006-04-03 | 2016-04-30 |
| COOPER, Nicholas George | Director | 1994-09-05 | 2015-02-24 |
| COOPER, Phillipa Jane | Director | 2010-07-01 | 2015-02-24 |
| DIXON, Roger Harry Vernon | Director | 1994-09-14 | 2006-02-28 |
| DUFTON, Peter Anthony Howes | Director | 1994-09-14 | 2007-07-01 |
| FORGET, Patrice Pierre Jacques | Director | 2015-02-24 | 2017-12-31 |
| FURNESS, Adrian Charles | Director | 2020-06-03 | 2023-06-15 |
| GELU, Mahomed Iqbal | Director | 1998-12-09 | 2008-05-23 |
| HUGHES, David Leslie | Director | 2000-12-05 | 2006-02-28 |
| HUMBER, Roger Thomas | Director | 2007-06-11 | 2008-02-29 |
| JOSSE, François Xavier Michel | Director | 2018-12-11 | 2022-12-20 |
| LEFEBVRE, Bertrand | Director | 2015-02-24 | 2020-06-03 |
| LEIGHTON, Maria Louise | Director | 2020-06-03 | 2022-07-31 |
| MACEDO, Georges De | Director | 2023-06-15 | 2026-05-06 |
| MICHEL, Pierre Albert Jean | Director | 2017-12-22 | 2020-06-03 |
| MOREAU, Nicolas | Director | 2023-04-28 | 2026-03-31 |
| NARZUL, Philippe | Director | 2015-02-24 | 2017-04-01 |
| PENOLLAR, Edgardo Paunlagui | Director | 2007-09-10 | 2019-06-30 |
| READER, James William | Director | 2015-02-24 | 2021-07-21 |
| RUSSELL, Colin David | Director | 1998-09-08 | 2008-06-12 |
| SALVY, Dominique | Director | 2015-02-24 | 2020-06-03 |
| WELLARD, Terence Walter | Director | 1999-03-09 | 2006-02-28 |
| WILLIAMS, Stephen David | Director | 2007-06-11 | 2012-10-11 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Mma Holdings Uk Plc | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Active |
Filing timeline
Last 20 of 211 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-06-28 | AA | accounts | Accounts with accounts type full | |
| 2026-06-01 | TM01 | officers | Termination director company with name termination date | |
| 2026-05-06 | AP01 | officers | Appoint person director company with name date | |
| 2026-05-06 | AP01 | officers | Appoint person director company with name date | |
| 2026-04-02 | TM01 | officers | Termination director company with name termination date | |
| 2025-09-15 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-05-15 | AA | accounts | Accounts with accounts type full | |
| 2024-09-20 | AA | accounts | Accounts with accounts type full | |
| 2024-09-12 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-01-04 | TM02 | officers | Termination secretary company with name termination date | |
| 2023-12-05 | AP03 | officers | Appoint person secretary company with name date | |
| 2023-10-20 | TM01 | officers | Termination director company with name termination date | |
| 2023-10-06 | AA | accounts | Accounts with accounts type full | |
| 2023-09-12 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-08-10 | AP03 | officers | Appoint person secretary company with name date | |
| 2023-08-01 | TM02 | officers | Termination secretary company with name termination date | |
| 2023-06-16 | AP01 | officers | Appoint person director company with name date | |
| 2023-06-16 | TM01 | officers | Termination director company with name termination date | |
| 2023-06-06 | AD01 | address | Change registered office address company with date old address new address | |
| 2023-06-06 | CH03 | officers | Change person secretary company with change date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 6
- Capital events
- 0
- Officers appointed
- 2
- Officers resigned
- 2
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.