BUPA INSURANCE SERVICES LIMITED
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Next accounts due
2027-09-30 (in 1y)
Last filed for 2025-12-31
Confirmation statement due
2026-07-04 (in 2mo)
Last made up 2025-06-20
Watchouts
Cash
£193M
+85.6% vs 2024
Net assets
£262M
+11.5% vs 2024
Employees
4,036
+7.1% vs 2024
Profit before tax
£37M
+12.1% vs 2024
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
3 officer resignations in last 12 months
Multiple officers have left the board recently — see the People section for who.
Net assets
2-year trend · vs Industrials median
Accounts
2-year trend · latest reflected 2025-12-31
| Metric | Trend | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Turnover | £848,000,000 | £956,000,000 | |
| Operating profit | £27,000,000 | £29,000,000 | |
| Profit before tax | £33,000,000 | £37,000,000 | |
| Net profit | £26,000,000 | £27,000,000 | |
| Cash | £104,000,000 | £193,000,000 | |
| Total assets less current liabilities | £300,000,000 | £333,000,000 | |
| Net assets | £235,000,000 | £262,000,000 | |
| Equity | £235,000,000 | £262,000,000 | |
| Average employees | 3,769 | 4,036 | |
| Wages | £165,000,000 | £181,000,000 | |
| Directors' remuneration | £590,000 | £590,000 |
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
+12.7%
£848,000,000 £956,000,000
-
Cash
+85.6%
£104,000,000 £193,000,000
-
Net assets
+11.5%
£235,000,000 £262,000,000
-
Employees
+7.1%
3,769 4,036
-
Operating profit
+7.4%
£27,000,000 £29,000,000
-
Profit before tax
+12.1%
£33,000,000 £37,000,000
-
Wages
+9.7%
£165,000,000 £181,000,000
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 | 3.2% | 3.0% | |
| Net margin | 3.1% | 2.8% | |
| Return on capital employed | 9.0% | 8.7% | |
| Gearing (liabilities / total assets) | 58.7% | 63.2% | |
| Current ratio | 1.54x | 1.43x | |
| Interest cover | 6.75x | 5.80x |
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 3 times since incorporation
- BUPA INSURANCE SERVICES LIMITED 2005-01-04 → present
- BUPA MEMBERSHIP LIMITED 2000-04-26 → 2005-01-04
- BUPA MEMBERSHIP SERVICES LIMITED 2000-04-19 → 2000-04-26
- SELECTCHIP LIMITED 1999-08-23 → 2000-04-19
Audit & accounting basis
- Accounting basis
- FRS 101
- Reporting scope
- Standalone (parent only)
- Auditor
- PricewaterhouseCoopers LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“Based on the work we have performed, we have not identified any material uncertainties relating to events or conditions that, individually or collectively, may cast significant doubt on the company's ability to continue as a going concern for a period of at least twelve months from when the financial statements are authorised for issue.”
Significant events
- “The Board is committed to driving investment in innovation, creating excellent customer experience across our offerings, providing access to high quality services that represent good value to the companies we service and their customers, and be an employer of choice for our people.”
- “In our UK business we will continue to grow 'Bupa Well+', our health and wellbeing subscription product which provides immediate remote access to Bupa's health and wellbeing experts.”
- “The Bupa Foundation celebrated its 10-year anniversary in 2025. The flagship celebration was a competition to take ten Bupa BGIUK colleagues to volunteer in the Savannah to support the 'Lifecare Better Together' Medical Camp in Kenya.”
- “The appointment of Mr R J K Washington as CEO which took effect from 16 January 2026; and the appointment of Ms C J Bousfield as a Non-Executive Director with effect from 18 March 2025 and Chair of the Board with effect from 1 January 2026”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
10 active · 53 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| BUPA SECRETARIES LIMITED | Corporate Secretary | 2018-06-25 | — | — |
| BOUSFIELD, Clare Jane | Director | 2025-03-18 | Jun 1968 | British |
| BRUMPTON, Dena Jane | Director | 2023-04-12 | Dec 1963 | British |
| CABRELLI, Anthony Frank | Director | 2022-05-31 | Aug 1962 | British |
| EVANS, Paul James | Director | 2019-07-01 | Mar 1965 | British |
| LOWE-LAURI, Malcolm | Director | 2026-05-01 | Sep 1957 | British |
| OLDFIELD, Anna-Marie | Director | 2024-06-13 | Jan 1980 | British |
| THAKRAR, Rakesh Kishore | Director | 2022-07-01 | Nov 1975 | British |
| TORRY, Anne | Director | 2024-04-01 | Jun 1965 | British |
| WASHINGTON, Richard James Keith | Director | 2026-01-16 | Oct 1974 | British |
Show 53 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| CROSIER, Tracey | Secretary | 2014-09-17 | 2016-12-31 |
| MORRISON, Audrey | Secretary | 2017-01-01 | 2018-05-31 |
| NEWTON, Paul Ramon | Secretary | 2000-05-01 | 2009-07-01 |
| SANDERS, Julian Philip | Secretary | 2009-07-01 | 2014-09-17 |
| WALFORD, Arthur David | Secretary | 1999-09-13 | 2000-06-01 |
| SWIFT INCORPORATIONS LIMITED | Corporate Nominee Secretary | 1999-08-23 | 1999-09-13 |
| ASLET, Graham Kenneth | Director | 2007-03-05 | 2016-03-04 |
| BIDDLESTONE, Keith | Director | 2008-08-01 | 2009-11-13 |
| BOURKE, Evelyn Brigid | Director | 2012-10-12 | 2015-07-01 |
| BOWDEN, Richard Thomas | Director | 2012-10-01 | 2016-09-30 |
| BOYLE, David Spencer | Director | 1999-09-13 | 2000-07-03 |
| BROWN, Geoffrey Allan | Director | 1999-09-13 | 2009-07-01 |
| CARROLL, Christopher Patrick | Director | 2025-01-13 | 2026-01-16 |
| CHURCHILL, Lawrence | Director | 2009-09-17 | 2016-06-30 |
| CLOSE, Wayne Paul | Director | 2012-10-01 | 2013-01-31 |
| DUGDALE, Michael Ian | Director | 2005-12-12 | 2009-07-01 |
| FLANAGAN, Stephen David | Director | 2000-07-03 | 2008-11-10 |
| FLETCHER, Stuart Robert | Director | 2012-03-13 | 2014-04-29 |
| GOODING, Valerie Frances | Director | 2004-12-06 | 2008-05-15 |
| HARRIS, Fiona | Director | 2016-11-18 | 2023-10-20 |
| HOLDEN, Dean Allan | Director | 2010-02-03 | 2012-10-01 |
| HOLDEN, Dean Allan | Director | 2004-12-06 | 2008-08-01 |
| JAUREGUIZAR RUIZ-JARABO, Carlos Antonio | Director | 2024-06-14 | 2025-01-13 |
| JUANTEGUI AZPILICUETA, Pablo Antonio | Director | 2008-08-01 | 2009-07-01 |
| KEE, Fergus Alexander | Director | 1999-09-13 | 2010-07-31 |
| KENTON, Sheldon Robert | Director | 2021-01-27 | 2021-10-01 |
| KENTON, Sheldon Robert | Director | 2017-04-05 | 2019-06-05 |
| KING, Ray | Director | 2001-08-01 | 2012-03-14 |
| LANG, Robert Andrew | Director | 2013-02-01 | 2016-12-13 |
| LANGAN, Steve | Director | 2023-11-01 | 2024-05-15 |
| LEA, Edward William | Director | 1999-09-13 | 2001-09-13 |
| LEDLIE, Maxwell Colin | Director | 2016-04-18 | 2022-04-17 |
| LORIMER, John Howard | Director | 2012-06-13 | 2015-06-30 |
| MACDONALD, Natalie-Jane, Dr | Director | 2008-09-04 | 2013-01-31 |
| MARMION, Damien Vincent, Dr | Director | 2013-02-01 | 2014-04-29 |
| MITCHELL, George Edward | Director | 2009-07-07 | 2014-12-31 |
| MOYNIHAN, Siobhan | Director | 2023-10-20 | 2024-06-13 |
| O'CONNOR, Sophie Jane | Director | 2016-02-01 | 2025-12-31 |
| O'DWYER, Mark Joseph | Director | 2019-05-22 | 2020-08-18 |
| PERRY, Alexander Philip | Director | 2017-03-29 | 2024-06-14 |
| PHIPPS, Robin Ashley | Director | 2014-11-14 | 2025-12-31 |
| PLATT, Alison Elizabeth | Director | 2010-08-01 | 2012-10-01 |
| PLATT, Alison | Director | 2000-07-03 | 2004-12-06 |
| POLLARD, Dean James | Director | 2013-09-26 | 2014-04-29 |
| POTKINS, Martin | Director | 2015-07-01 | 2017-03-29 |
| SINGER, Thomas Daniel | Director | 2008-05-15 | 2011-09-16 |
| SMITH, David William | Director | 2017-08-29 | 2023-08-29 |
| TAYLOR, Nicolas Hornby | Director | 2004-12-06 | 2007-03-07 |
| THOMPSON, Clare Eleanor | Director | 2015-07-01 | 2019-07-02 |
| WALFORD, Arthur David | Director | 1999-09-13 | 2005-09-01 |
| WALTHER, Robert Philippe | Director | 2004-12-06 | 2009-07-31 |
| WASHINGTON, Richard James Keith | Director | 2024-06-14 | 2025-01-13 |
| INSTANT COMPANIES LIMITED | Corporate Nominee Director | 1999-08-23 | 1999-09-13 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Bupa Finance Plc | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Active |
Filing timeline
Last 20 of 227 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-05-10 | AP01 | officers | Appoint person director company with name date | |
| 2026-04-12 | AA | accounts | Accounts with accounts type full | |
| 2026-01-30 | AP01 | officers | Appoint person director company with name date | |
| 2026-01-20 | TM01 | officers | Termination director company with name termination date | |
| 2025-12-31 | TM01 | officers | Termination director company with name termination date | |
| 2025-12-31 | TM01 | officers | Termination director company with name termination date | |
| 2025-12-31 | CH01 | officers | Change person director company with change date | |
| 2025-06-30 | CH01 | officers | Change person director company with change date | |
| 2025-06-30 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-04-07 | AA | accounts | Accounts with accounts type full | |
| 2025-03-21 | AP01 | officers | Appoint person director company with name date | |
| 2025-01-16 | TM01 | officers | Termination director company with name termination date | |
| 2025-01-16 | AP01 | officers | Appoint person director company with name date | |
| 2025-01-16 | TM01 | officers | Termination director company with name termination date | |
| 2024-07-03 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-06-21 | AP01 | officers | Appoint person director company with name date | |
| 2024-06-21 | AP01 | officers | Appoint person director company with name date | |
| 2024-06-21 | TM01 | officers | Termination director company with name termination date | |
| 2024-06-13 | AP01 | officers | Appoint person director company with name date | |
| 2024-06-13 | TM01 | officers | Termination director company with name termination date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 9
- Capital events
- 0
- Officers appointed
- 2
- Officers resigned
- 3
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.