RIPE INSURANCE SERVICES LIMITED
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Next accounts due
2026-09-30 (in 4mo)
Last filed for 2024-12-31
Confirmation statement due
2026-06-28 (in 1mo)
Last made up 2025-06-14
Watchouts
None on the register
Cash
£2M
+35.6% vs 2023
Net assets
£21M
+27.8% highest in 4 filed years
Employees
122
+2.5% highest in 4 filed years
Profit before tax
£4M
+8.4% vs 2023
Net assets
5-year trend · vs Financials median
Accounts
5-year trend · latest reflected 2024-12-31
| Metric | Trend | 2020-12-31 | 2021-12-31 | 2022-12-31 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|---|---|---|
| Turnover | — | £22,641,441 | £26,766,812 | £17,158,832 | £18,985,939 | |
| Operating profit | — | — | — | £3,986,601 | £4,362,775 | |
| Profit before tax | — | £5,744,818 | £3,576,454 | £4,133,632 | £4,479,681 | |
| Net profit | — | £4,775,751 | £3,571,199 | £3,928,339 | £4,510,927 | |
| Cash | — | £4,441,537 | £5,837,317 | £1,760,831 | £2,388,469 | |
| Total assets less current liabilities | — | £9,261,662 | £12,536,388 | £16,741,693 | £21,426,309 | |
| Net assets | — | £8,751,240 | £12,322,439 | £16,250,778 | £20,761,705 | |
| Equity | £5,926,099 | £8,751,240 | £12,322,439 | £16,250,778 | £20,761,705 | |
| Average employees | — | 74 | 95 | 119 | 122 | |
| Wages | — | £2,343,952 | £3,358,629 | £3,999,114 | £4,343,874 | |
| Directors' remuneration | — | £223,740 | £542,969 | £628,227 | £517,185 |
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
FY2023 → FY2024 · period ending 2024-12-31 vs 2023-12-31
-
Turnover
+10.6%
£17,158,832 £18,985,939
-
Cash
+35.6%
£1,760,831 £2,388,469
-
Net assets
+27.8%
£16,250,778 £20,761,705
highest in 4 filed years
-
Employees
+2.5%
119 122
highest in 4 filed years
-
Operating profit
+9.4%
£3,986,601 £4,362,775
-
Profit before tax
+8.4%
£4,133,632 £4,479,681
-
Wages
+8.6%
£3,999,114 £4,343,874
highest in 4 filed years
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 | 2020-12-31 | 2021-12-31 | 2022-12-31 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|---|---|---|
| Operating margin | — | — | — | 23.2% | 23.0% | |
| Net margin | — | 21.1% | 13.3% | 22.9% | 23.8% | |
| Return on capital employed | — | — | — | 23.8% | 20.4% | |
| Current ratio | — | — | — | 4.13x | 3.71x |
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 2 times since incorporation
- RIPE INSURANCE SERVICES LIMITED 2017-06-15 → present
- J R W GROUP SERVICES LIMITED 2002-09-19 → 2017-06-15
- JRW INSURANCE SERVICES LIMITED 2002-08-09 → 2002-09-19
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Standalone (parent only)
- Auditor
- RSM UK Audit LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“After making enquiries and reviewing forecast trading activity for a period of more than 12 months from this report, including the liquidity and capital position of the company, the Directors have concluded that the company has adequate resources to continue in operational existence for more than 12 months.”
Significant events
- “On 9 April 2025 the company issued ordinary shares of £11,600,000 to Ripe Thinking Two Limited, the existing parent company. This transactions enabled funds to be made available as part of ongoing M&A activity.”
- “In September 2024 the group agreed to acquire the business and assets trading as 'GJW Direct'. The transaction subsequently completed on 10 April 2025.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
2 active · 9 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| STYRING, Robert Alan | Director | 2024-09-03 | Nov 1971 | British |
| THOMAS, Alan | Director | 2024-10-07 | May 1976 | British |
Show 9 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| MINDEN WILSON, Paul Norman | Secretary | 2002-08-12 | 2015-07-07 |
| WHITEHEAD, Colin | Secretary | 2021-01-27 | 2022-07-21 |
| WHITEHEAD, Louise Marie | Secretary | 2016-09-23 | 2021-01-27 |
| FORM 10 SECRETARIES FD LTD | Corporate Nominee Secretary | 2002-08-09 | 2002-08-13 |
| MINDEN WILSON, Paul Norman | Director | 2002-08-12 | 2015-07-07 |
| WHITEHEAD, Colin, Mr. | Director | 2015-07-07 | 2022-07-21 |
| WILLIAMS, Paul Michael, Mr. | Director | 2017-10-30 | 2024-10-31 |
| WOOSEY, John Robert | Director | 2002-08-12 | 2024-10-31 |
| FORM 10 DIRECTORS FD LTD | Corporate Nominee Director | 2002-08-09 | 2002-08-13 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Ripe Thinking Two Limited | Corporate entity | Shares 75–100%, Voting 75–100% | 2016-08-09 | Active |
Filing timeline
Last 20 of 88 total filings
Material constitutional events — rename, articles re-file, resolution
- 2024-01-23 MA Memorandum articles
- 2024-01-23 RESOLUTIONS Resolution
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2025-12-18 | AD01 | address | Change registered office address company with date old address new address | |
| 2025-09-12 | AA | accounts | Accounts with accounts type full | |
| 2025-06-16 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2025-04-09 | SH01 | capital | Capital allotment shares | |
| 2024-10-31 | TM01 | officers | Termination director company with name termination date | |
| 2024-10-31 | TM01 | officers | Termination director company with name termination date | |
| 2024-10-08 | AP01 | officers | Appoint person director company with name date | |
| 2024-10-05 | AA | accounts | Accounts with accounts type full | |
| 2024-09-04 | AP01 | officers | Appoint person director company with name date | |
| 2024-06-17 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2024-01-23 | MA | incorporation | Memorandum articles | |
| 2024-01-23 | RESOLUTIONS | resolution | Resolution | |
| 2023-09-28 | AA | accounts | Accounts with accounts type full | |
| 2023-08-15 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-08-15 | CH01 | officers | Change person director company with change date | |
| 2022-09-07 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-08-24 | TM01 | officers | Termination director company with name termination date | |
| 2022-08-24 | TM02 | officers | Termination secretary company with name termination date | |
| 2022-08-11 | CH01 | officers | Change person director company with change date | |
| 2022-08-11 | CH01 | officers | Change person director company with change date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 3
- Capital events
- 1
- 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.