B & C E INSURANCE LIMITED
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Cash
—
Latest balance sheet
Net assets
£21m
+3.9% highest in 3 filed years
Employees
0
Average over period
Profit before tax
£1.1m
-2% lowest in 3 filed years
Net assets
3-year trend · vs Financials median
Accounts
3-year trend · Δ = latest vs prior filed period · latest reflected 2026-03-31
| Metric | Trend | 2024-03-31 | 2025-03-31 | 2026-03-31 | Δ vs prior |
|---|---|---|---|---|---|
| Gross written premiums | £575,000 | £560,000 | £545,000 | -2.7% | |
| Net earned premiums | — | £559,000 | £546,000 | -2.3% | |
| Claims incurred | £67,000 | £119,000 | £64,000 | -46.2% | |
| Investment return | £932,000 | £987,000 | £836,000 | -15.3% | |
| Profit before tax | £1,097,000 | £1,092,000 | £1,070,000 | -2% | |
| Net profit | £823,000 | £819,000 | £803,000 | -2% | |
| Insurance contract liabilities | £225,000 | £200,000 | £174,000 | -13% | |
| Total assets | £22,489,000 | £21,867,000 | £22,561,000 | +3.2% | |
| Total liabilities | — | £1,491,000 | £1,382,000 | -7.3% | |
| Equity | £19,557,000 | £20,376,000 | £21,179,000 | +3.9% | |
| Average employees | — | 0 | 0 | — |
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 | 2024-03-31 | 2025-03-31 | 2026-03-31 |
|---|---|---|---|---|
| Gearing (liabilities / total assets) | 13.0% | 6.8% | 6.1% |
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.
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Standalone (parent only)
- Auditor
- KPMG LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The Directors have a reasonable expectation that the Company has adequate resources to continue in operational existence for at least 12 months from the date of signing the Financial Statements. In addition, the Directors have confirmed that they intend to keep the Company as a going concern for the foreseeable future. Accordingly, the Directors continue to adopt the going concern basis of accounting in preparing the annual Financial Statements.”
Significant events
- “The Company seeks to take insurance risk, in the natural course of business, within the Board's risk appetite. There is a risk that the frequency, size and timing of claims on insurance policies varies from that expected, leading to an unexpected impact on financial return.”
- “The risk that financial management processes are inadequate, resulting in inaccurate, incomplete or late financial reporting, tax calculations or payments, capital or liquidity pressures, or insufficient oversight of third-party suppliers, which may lead to regulatory breaches, financial loss, operational disruption or reputational damage.”
- “Operational Risk incorporates risks arising from workforce capability and capacity, and from technology systems and controls, recognising their role in enabling effective and resilient operations.”
- “The risk that the organisation fails to define, align and execute its strategy in line with organisational and member objectives, is unable to respond effectively to external change or shocks, or lacks the operational resilience and delivery capability to implement strategic change, resulting in missed outcomes, loss of value and diminished member confidence.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
4 active · 40 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| BILLINGHAM, Patricia Marusia | Director | 2018-07-20 | Apr 1952 | British |
| HEATH-LAY, Patrick Iain | Director | 2010-08-09 | Oct 1968 | British |
| LEIPER, Jacqueline Margaret | Director | 2026-01-01 | Jan 1972 | British |
| SMITH, Kay Louise | Director | 2025-02-06 | Jul 1977 | British |
Show 40 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| DUNLOP, Jane | Secretary | 2020-02-21 | 2021-07-31 |
| FORSTER, Paul Martin | Secretary | 2015-08-10 | 2016-04-30 |
| HARRATT, Lydia Florinette Gabrielle | Secretary | 2017-02-06 | 2019-05-20 |
| MCMANUS, David Bryn | Secretary | 2006-04-01 | 2008-12-31 |
| MILTON, Clair Elizabeth | Secretary | 2009-01-30 | 2014-12-31 |
| PALFREY, Karen Elizabeth | Secretary | 2019-07-29 | 2020-02-21 |
| STEER, Reginald Walter | Secretary | 1995-08-16 | 2006-03-31 |
| WILLIAMS, Sally Jane | Secretary | 2015-01-01 | 2015-08-10 |
| ALLOTT, John | Director | 2016-11-14 | 2022-03-31 |
| BLACKMAN, Robert John | Director | 2001-01-01 | 2016-11-14 |
| BRUMWELL, George Brent | Director | 1995-08-16 | 2005-11-08 |
| CAMPBELL, Robert David | Director | 1995-08-16 | 1997-10-17 |
| CHILCOT, John Anthony, The Rt Hon Sir | Director | 1999-09-24 | 2013-11-08 |
| COWAN, Ralph | Director | 1995-08-16 | 2000-07-31 |
| CULLEN, John Macaulay | Director | 2014-02-11 | 2022-03-31 |
| FIVEASH, James Graham | Director | 2011-05-11 | 2017-09-01 |
| GREEN, Kenneth Charles | Director | 1999-07-01 | 2012-07-26 |
| GRIFFITHS, Brian John | Director | 1995-08-16 | 2012-09-28 |
| HENDERSON, George Paton | Director | 1995-08-16 | 2001-01-01 |
| HOUGH, John William | Director | 2014-02-11 | 2021-07-31 |
| HUGHES, Trevor Poulton, Sir | Director | 1995-08-16 | 1999-09-24 |
| HUNTER, Susan Margaret | Director | 2020-11-24 | 2024-06-01 |
| ISLAM, Jamshaid | Director | 2018-09-01 | 2022-12-31 |
| JORY, John Michael | Director | 2001-04-01 | 2014-05-20 |
| LAMBLE, Dean Nicholas | Director | 2023-01-01 | 2025-09-01 |
| LEAN, Gerald Charles | Director | 2004-06-01 | 2011-03-02 |
| MCKINNON, James Frederick | Director | 2018-08-01 | 2022-03-31 |
| MURPHY, Stephen David | Director | 2012-02-10 | 2015-08-26 |
| O'KEEFFE, Patrick John Lenford | Director | 1998-02-03 | 1999-03-31 |
| PICKERING CBE, Alan Michael | Director | 2012-05-11 | 2012-05-18 |
| RAMAMURTHY, Chandrasekhar | Director | 2013-11-08 | 2022-12-31 |
| RITCHIE, Alan Sim | Director | 2006-02-03 | 2012-01-09 |
| RYE, Brian Peter | Director | 2015-12-21 | 2018-05-31 |
| SMALL, Malcolm Fraser | Director | 2008-02-06 | 2018-02-22 |
| SOUTHWORTH, John Ashurst | Director | 2000-08-01 | 2019-11-18 |
| SPANSWICK, John Edward | Director | 2011-05-11 | 2014-05-20 |
| STEER, Reginald Walter | Director | 2001-04-01 | 2006-03-31 |
| STRADLING, Donald George | Director | 1995-08-16 | 2004-06-01 |
| TERRELL, Stephen | Director | 2014-05-20 | 2022-03-31 |
| VEAL, Robert Alan | Director | 1995-08-16 | 2001-04-01 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| People's Partnership Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Active |
Filing timeline
Last 20 of 233 total filings
Material constitutional events — rename, articles re-file, resolution
- 2026-07-10 RESOLUTIONS Resolution
- 2024-04-15 MA Memorandum articles
- 2024-04-15 RESOLUTIONS Resolution
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-08-26 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2026-08-11 | AA | accounts | Accounts with accounts type full | |
| 2026-08-10 | TM01 | officers | Termination director company with name termination date | |
| 2026-07-10 | SH19 | capital | Capital statement capital company with date currency figure | |
| 2026-07-10 | SH20 | capital | Legacy | |
| 2026-07-10 | CAP-SS | insolvency | Legacy | |
| 2026-07-10 | RESOLUTIONS | resolution | Resolution | |
| 2026-01-06 | AP01 | officers | Appoint person director company with name date | |
| 2025-12-08 | AA | accounts | Accounts with accounts type full | |
| 2025-09-01 | TM01 | officers | Termination director company with name termination date | |
| 2025-08-27 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2025-02-06 | AP01 | officers | Appoint person director company with name date | |
| 2024-09-13 | AA | accounts | Accounts with accounts type full | |
| 2024-08-28 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-06-03 | TM01 | officers | Termination director company with name termination date | |
| 2024-04-15 | MA | incorporation | Memorandum articles | |
| 2024-04-15 | RESOLUTIONS | resolution | Resolution | |
| 2023-08-25 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2023-08-25 | PSC05 | persons-with-significant-control | Change to a person with significant control | |
| 2023-08-24 | AA | accounts | Accounts with accounts type full |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 9
- Capital events
- 2
- Officers appointed
- 1
- 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.