INSIGHT FINANCIAL ASSOCIATES LIMITED
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Next accounts due
2026-05-29 (this month)
Last filed for 2024-08-31
Confirmation statement due
2026-06-30 (in 1mo)
Last made up 2025-06-16
Watchouts
None on the register
Cash
£581K
-22.5% lowest in 5 filed years
Net assets
£4M
+5.3% vs 2023
Employees
108
+17.4% highest in 5 filed years
Profit before tax
£2M
+8.5% vs 2023
Net assets
6-year trend · vs Financials median
Accounts
6-year trend · latest reflected 2024-08-31
| Metric | Trend | 2019-08-31 | 2020-08-31 | 2021-08-31 | 2022-08-31 | 2023-08-31 | 2024-08-31 |
|---|---|---|---|---|---|---|---|
| Turnover | — | — | — | — | £12,882,958 | £15,259,297 | |
| Operating profit | — | — | — | — | £1,851,502 | £2,335,982 | |
| Profit before tax | — | — | — | — | £1,795,538 | £1,947,683 | |
| Net profit | — | £745,536 | — | £1,169,926 | £1,125,253 | £1,003,831 | |
| Cash | — | £942,211 | £1,229,697 | £913,675 | £749,730 | £580,852 | |
| Total assets less current liabilities | — | £3,521,653 | — | — | £4,353,201 | £4,632,787 | |
| Net assets | — | £2,696,123 | £3,494,335 | £4,088,311 | £3,705,137 | £3,901,068 | |
| Equity | £2,542,587 | £2,696,123 | — | — | £3,705,137 | £3,901,068 | |
| Average employees | — | 69 | 69 | 70 | 92 | 108 | |
| Wages | — | — | £1,935,322 | £2,590,280 | £3,486,960 | £4,174,044 | |
| Directors' remuneration | — | — | — | — | £265,637 | £288,095 |
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 2024-08-31 vs 2023-08-31
-
Turnover
+18.4%
£12,882,958 £15,259,297
-
Cash
-22.5%
£749,730 £580,852
lowest in 5 filed years
-
Net assets
+5.3%
£3,705,137 £3,901,068
-
Employees
+17.4%
92 108
highest in 5 filed years
-
Operating profit
+26.2%
£1,851,502 £2,335,982
-
Profit before tax
+8.5%
£1,795,538 £1,947,683
-
Wages
+19.7%
£3,486,960 £4,174,044
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 | 2019-08-31 | 2020-08-31 | 2021-08-31 | 2022-08-31 | 2023-08-31 | 2024-08-31 |
|---|---|---|---|---|---|---|---|
| Operating margin | — | — | — | — | 14.4% | 15.3% | |
| Net margin | — | — | — | — | 8.7% | 6.6% | |
| Return on capital employed | — | — | — | — | 42.5% | 50.4% | |
| Gearing (liabilities / total assets) | — | — | — | — | 50.7% | 48.2% | |
| Current ratio | — | — | — | — | 0.71x | 0.71x | |
| Interest cover | — | — | — | — | 21.63x | 15.36x |
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.
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Consolidated group
- Auditor
- Argents Audit Services Limited
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“At the time of approving the financial statements, the directors have a reasonable expectation that the group has adequate resources to continue in operational existence for the foreseeable future. Thus the directors continue to adopt the going concern basis of accounting in preparing the financial statements.”
Group structure
- INSIGHT FINANCIAL ASSOCIATES LIMITED · parent
- Robert Gerrard & Westbrook Holdings Ltd 75%
- Robert Gerrard & Westbrook Limited 75%
- Penvest Limited 100%
- Insight Wealth Limited 100%
- D B Financial Management Limited 100%
- DRC Associates Limited 100%
- Asset Investment Management Ltd 100%
- Trillium Financial Planning Ltd 100%
- IFA Financial Services (UK) Ltd 100%
- Sophex Limited 100%
Significant events
- “The turnover has increased by 18.4% in the year, which reflects another positive year and the continuation of our acquisition policy to expand operations. The entire share capital of Sophex Limited was acquired during the year. The directors are keen for the Group to continue this expansion policy where opportunities arise and indeed further acquisitions have taken place since the year end.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
5 active · 7 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| APPLETON, Daniel Peter | Director | 2017-07-01 | Dec 1976 | British |
| GREEN, Rebecca Louise | Director | 2019-07-02 | Jul 1985 | British |
| HOWARD, Antony Peter | Director | 2004-02-25 | Jul 1972 | British |
| HOWARD, Jason Richard | Director | 2004-02-25 | Aug 1970 | British |
| PHILLIPS, Michael John Charles | Director | 2019-01-31 | Mar 1964 | British |
Show 7 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| HOWARD, Lorraine Eliza | Secretary | 2006-04-26 | 2021-03-22 |
| HOWARD, Lorraine Eliza | Secretary | 2004-02-25 | 2004-06-29 |
| LISTER, David James | Secretary | 2004-06-29 | 2006-04-26 |
| THEYDON SECRETARIES LIMITED | Corporate Nominee Secretary | 2004-02-25 | 2004-02-25 |
| LISTER, Simon | Director | 2007-01-01 | 2011-07-04 |
| MCCLURG, Craig Drummond | Director | 2006-04-26 | 2011-07-04 |
| THEYDON NOMINEES LIMITED | Corporate Nominee Director | 2004-02-25 | 2004-02-25 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Mr Jason Richard Howard | Individual | Shares 25–50%, Voting 50–75%, Appoints directors | 2017-02-25 | Active |
| Mr Antony Peter Howard | Individual | Shares 25–50%, Voting 25–50% | 2017-02-25 | Active |
Filing timeline
Last 20 of 111 total filings
Material constitutional events — rename, articles re-file, resolution
- 2024-03-29 RESOLUTIONS Resolution
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2025-10-28 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2025-10-27 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2025-10-27 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2025-10-27 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2025-10-27 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2025-08-21 | AAMD | accounts | Accounts amended with accounts type group | |
| 2025-08-08 | AA | accounts | Accounts with accounts type group | |
| 2025-06-18 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2025-06-18 | PSC04 | persons-with-significant-control | Change to a person with significant control | |
| 2025-05-28 | AA01 | accounts | Change account reference date company previous shortened | |
| 2024-06-19 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2024-05-07 | AA | accounts | Accounts with accounts type group | |
| 2024-04-26 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2024-04-02 | SH01 | capital | Capital allotment shares | |
| 2024-03-29 | RESOLUTIONS | resolution | Resolution | |
| 2023-08-24 | AA | accounts | Accounts with accounts type group | |
| 2023-06-26 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-05-26 | AA01 | accounts | Change account reference date company previous shortened | |
| 2023-01-10 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2022-12-15 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 10
- Capital events
- 0
- 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.