PSP INSURANCE & FINANCIAL SOLUTIONS LIMITED
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Cash
£3.5M
-30% vs 2024
Net assets
£5.9M
-13.6% vs 2024
Employees
115
+0.9% highest in 6 filed years
Profit before tax
£1.1M
-19.8% vs 2024
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
11 officer resignations in last 12 months
Multiple officers have left the board recently — see the People section for who.
Net assets
6-year trend · vs Industrials median
Accounts
6-year trend · Δ = latest vs prior filed period · latest reflected 2025-12-31
| Metric | Trend | 2021-04-30 | 2022-04-30 | 2022-12-31 | 2023-12-31 | 2024-12-31 | 2025-12-31 | Δ vs prior |
|---|---|---|---|---|---|---|---|---|
| Turnover | — | £4,701,620 | £3,050,040 | £5,959,292 | £8,290,051 | £8,657,047 | +4.4% | |
| Operating profit | — | £1,201,312 | £301,547 | £1,155,320 | £1,286,552 | £1,022,122 | -20.6% | |
| Profit before tax | — | £219,893 | £305,922 | £1,243,135 | £1,425,761 | £1,143,811 | -19.8% | |
| Net profit | — | -£75,089 | £216,116 | £1,288,664 | £1,418,866 | £1,122,329 | -20.9% | |
| Cash | £1,247,241 | £1,519,376 | £1,736,377 | £3,403,566 | £5,023,517 | £3,517,835 | -30% | |
| Total assets less current liabilities | £2,300,926 | £1,601,490 | £1,762,307 | £4,468,776 | £6,844,537 | £5,938,348 | -13.2% | |
| Net assets | £2,287,730 | £1,586,199 | £1,743,277 | £4,443,941 | £6,812,807 | £5,885,136 | -13.6% | |
| Equity | £2,087,866 | £1,586,199 | £1,743,277 | £4,443,941 | £6,812,807 | £5,885,136 | -13.6% | |
| Average employees | 80 | 83 | 67 | 101 | 114 | 115 | +0.9% | |
| Wages | — | £1,965,988 | £1,442,369 | £3,162,925 | £4,101,396 | £4,505,831 | +9.9% | |
| Directors' remuneration | — | £330,288 | £317,221 | £742,075 | £878,736 | £852,624 | -3% |
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 | 2021-04-30 | 2022-04-30 | 2022-12-31 | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|---|---|---|
| Operating margin | — | 25.6% | 9.9% | 19.4% | 15.5% | 11.8% | |
| Net margin | — | -1.6% | 7.1% | 21.6% | 17.1% | 13.0% | |
| Return on capital employed | — | 75.0% | 17.1% | 25.9% | 18.8% | 17.2% | |
| Current ratio | — | — | — | 1.39x | 1.42x | 1.45x |
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
- PSP INSURANCE & FINANCIAL SOLUTIONS LIMITED 2007-11-02 → present
- PSP WESTINSURE LIMITED 2002-12-12 → 2007-11-02
Audit & accounting basis
- Accounting basis
- FRS 102
- Auditor
- Saffery 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
- “On 18 August 2025, the company's ultimate parent was purchased by Arthur J. Gallagher & Co., an entity incorporated in the United States of America.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
3 active · 18 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| COUSINS, David Michael Edwin | Director | 2025-10-13 | Jan 1973 | British |
| CRAWFORD, Charles Robertson | Director | 2025-11-04 | Mar 1964 | British |
| WHITTINGHAM, James Oliver | Director | 2025-11-28 | Aug 1977 | British |
Show 18 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| PARKINS, Terence Roy | Secretary | 2002-12-12 | 2024-06-01 |
| RWL REGISTRARS LIMITED | Corporate Nominee Secretary | 2002-12-12 | 2002-12-12 |
| ARNOLD, Samantha Jane | Director | 2007-08-01 | 2026-04-02 |
| CAMPS, Ingrid Anne | Director | 2016-07-15 | 2025-12-31 |
| CURRIE, David William | Director | 2009-01-01 | 2026-04-02 |
| FRITH, Matthew | Director | 2016-07-15 | 2026-05-28 |
| GAIT, Andrew | Director | 2016-07-15 | 2025-08-11 |
| GEEN, Martin James | Director | 2010-06-01 | 2026-04-02 |
| GOUGH, Sean Nigel | Director | 2024-01-01 | 2024-06-18 |
| HEATHFIELD, David James | Director | 2024-10-01 | 2025-10-31 |
| JONES, Brian | Director | 2023-06-01 | 2026-04-02 |
| JONES, David Ian | Director | 2009-04-01 | 2026-04-02 |
| MCCORMACK, Karen | Director | 2016-07-15 | 2026-04-02 |
| MUSSELWHITE, Jeremy John | Director | 2007-08-01 | 2022-05-31 |
| OAKEY, Philip John | Director | 2002-12-12 | 2024-06-01 |
| PARKINS, Michael Robert | Director | 2002-12-12 | 2025-05-31 |
| PARKINS, Terence Roy | Director | 2002-12-12 | 2024-06-01 |
| QUILTER, Stuart James | Director | 2024-10-01 | 2026-04-30 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Assuredpartners International Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2022-06-01 | Active |
| Mr Terence Roy Parkins | Individual | Shares 25–50%, Voting 25–50%, Appoints directors | 2016-04-06 | Ceased 2022-06-01 |
| Mr Michael Robert Parkins | Individual | Shares 25–50%, Voting 25–50%, Appoints directors | 2016-04-06 | Ceased 2022-06-01 |
| Mr Philip John Oakey | Individual | Shares 25–50%, Voting 25–50%, Appoints directors | 2016-04-06 | Ceased 2022-06-01 |
Filing timeline
Last 20 of 164 total filings
Material constitutional events — rename, articles re-file, resolution
- 2026-03-30 CC04 Statement of companys objects
- 2026-03-13 RESOLUTIONS Resolution
- 2026-03-13 MA Memorandum articles
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-06-22 | PSC05 | persons-with-significant-control | Change to a person with significant control | |
| 2026-06-09 | AA | accounts | Accounts with accounts type full | |
| 2026-05-28 | TM01 | officers | Termination director company with name termination date | |
| 2026-05-01 | TM01 | officers | Termination director company with name termination date | |
| 2026-05-01 | AD03 | address | Move registers to sail company with new address | |
| 2026-05-01 | AD02 | address | Change sail address company with new address | |
| 2026-04-02 | TM01 | officers | Termination director company with name termination date | |
| 2026-04-02 | TM01 | officers | Termination director company with name termination date | |
| 2026-04-02 | TM01 | officers | Termination director company with name termination date | |
| 2026-04-02 | TM01 | officers | Termination director company with name termination date | |
| 2026-04-02 | TM01 | officers | Termination director company with name termination date | |
| 2026-04-02 | TM01 | officers | Termination director company with name termination date | |
| 2026-03-30 | CC04 | change-of-constitution | Statement of companys objects | |
| 2026-03-13 | RESOLUTIONS | resolution | Resolution | |
| 2026-03-13 | MA | incorporation | Memorandum articles | |
| 2026-01-02 | TM01 | officers | Termination director company with name termination date | |
| 2025-12-03 | AP01 | officers | Appoint person director company with name date | |
| 2025-11-24 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2025-11-20 | CH01 | officers | Change person director company with change date | |
| 2025-11-06 | CS01 | confirmation-statement | Confirmation statement with no updates |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 20
- Capital events
- 0
- Officers appointed
- 3
- Officers resigned
- 11
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.