ASPIRE INSURANCE ADVISERS LIMITED
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Next accounts due
2027-09-30 (in 1y)
Last filed for 2025-12-31
Confirmation statement due
2027-02-03 (in 9mo)
Last made up 2026-01-20
Watchouts
Cash
£3M
Latest balance sheet
Net assets
£1M
Equity attributable
Employees
7
Average over period
Profit before tax
-£322K
Period ending 2025-12-31
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
2 PSCs ceased in last 24 months
Significant control changed hands — see the Ownership section.
Net assets
2-year trend · vs Financials median
Accounts
2-year trend · latest reflected 2025-12-31
| Metric | Trend | 2024-06-30 | 2025-12-31 |
|---|---|---|---|
| Turnover | £1,230,871 | £2,143,599 | |
| Operating profit | £86,759 | -£259,860 | |
| Profit before tax | £85,563 | -£321,932 | |
| Net profit | £64,172 | -£297,255 | |
| Cash | £188,551 | £2,812,282 | |
| Total assets less current liabilities | £1,447,852 | £3,333,955 | |
| Net assets | £1,447,852 | £1,150,597 | |
| Equity | £1,447,852 | £1,150,597 | |
| Average employees | 8 | 7 | |
| Wages | £732,092 | £1,236,462 | |
| Directors' remuneration | £244,341 | £629,054 |
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 2024-06-30
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2024-06-30 | 2025-12-31 |
|---|---|---|---|
| Operating margin | 7.0% | -12.1% | |
| Net margin | 5.2% | -13.9% | |
| Return on capital employed | 6.0% | -7.8% | |
| Current ratio | 1.30x | 1.42x | |
| Interest cover | 72.54x | -4.19x |
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
- ASPIRE INSURANCE ADVISERS LIMITED 2013-04-04 → present
- INTERNATIONAL SOS INSURANCE SERVICES LIMITED 2004-07-01 → 2013-04-04
Audit & accounting basis
- Accounting basis
- FRS 101
- Reporting scope
- Standalone (parent only)
- Auditor
- PKF Littlejohn LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The financial statements have been prepared on a going concern basis. The Directors have a reasonable expectation that the company has adequate resources to continue in operational existence for the foreseeable future.”
Group structure
- ASPIRE INSURANCE ADVISERS LIMITED · parent
- Aspire Insurance Advisers Europe 1%
Significant events
- “The Company was acquired by XN Holding Inc. in February 2025.”
- “In June 2025, the Company acquired a portfolio of business from another insurance intermediary.”
- “Post year end, in February 2026, £1.6 million of shareholder debt was converted into equity.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
4 active · 15 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| ABSALOM, Gareth | Director | 2026-02-27 | Jan 1959 | British |
| BERGERON, Cyrille | Director | 2025-09-17 | Dec 1981 | French |
| MOUFARREGE, Cesar | Director | 2025-07-02 | Aug 1978 | French |
| SPICER, Zoe Marie | Director | 2025-11-26 | Jul 1982 | British |
Show 15 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| CHONG, Chien Chien Florence | Secretary | 2004-07-01 | 2025-02-26 |
| BACCETTI, Stéphane Alexandre | Director | 2014-12-18 | 2016-05-04 |
| BARON, Franck Jean-Denis | Director | 2011-11-25 | 2020-08-12 |
| CHURCH, Timothy Hugh Richards | Director | 2006-06-09 | 2010-07-29 |
| CONNEEN, Martin Bernard | Director | 2020-09-16 | 2025-02-26 |
| DARDARE, Thierry Jean Robert | Director | 2016-05-04 | 2020-08-12 |
| DE WAAL, Johannes Stephanus | Director | 2004-07-01 | 2011-05-31 |
| GALEON, Pierre Patrice | Director | 2010-07-21 | 2010-11-11 |
| GOODLEY, David James | Director | 2014-10-15 | 2025-12-31 |
| LOO, Brian Shing | Director | 2010-07-21 | 2017-07-31 |
| MARTIN, Anthony Gerald | Director | 2011-03-15 | 2014-10-17 |
| PETERS, Nicholas | Director | 2010-07-21 | 2012-05-11 |
| RITCHIE, Miles Malcolm | Director | 2019-11-15 | 2025-09-17 |
| SABOURIN, Laurent, Mr. | Director | 2004-07-01 | 2025-02-26 |
| SKEHEL, Andrew John Joseph | Director | 2012-05-16 | 2014-04-17 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Xn Holding Inc | Corporate entity | Shares 75–100%, Voting 75–100%, right-to-appoint-and-remove-directors-as-firm, significant-influence-or-control-as-firm | 2025-02-26 | Active |
| Pascal Marie Georges Rey-Herme | Individual | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Ceased 2025-02-26 |
| Mr Arnaud Paul Alain Vaissie | Individual | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Ceased 2025-02-26 |
Filing timeline
Last 20 of 113 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-04-29 | AA | accounts | Accounts with accounts type full | |
| 2026-02-27 | AP01 | officers | Appoint person director company with name date | |
| 2026-02-19 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2026-02-11 | SH01 | capital | Capital allotment shares | |
| 2026-02-11 | AD01 | address | Change registered office address company with date old address new address | |
| 2026-01-06 | AD01 | address | Change registered office address company with date old address new address | |
| 2025-12-31 | TM01 | officers | Termination director company with name termination date | |
| 2025-11-26 | AP01 | officers | Appoint person director company with name date | |
| 2025-09-19 | AP01 | officers | Appoint person director company with name date | |
| 2025-09-18 | TM01 | officers | Termination director company with name termination date | |
| 2025-07-07 | AP01 | officers | Appoint person director company with name date | |
| 2025-03-27 | AA01 | accounts | Change account reference date company current extended | |
| 2025-03-05 | PSC02 | persons-with-significant-control | Notification of a person with significant control | |
| 2025-03-04 | AD01 | address | Change registered office address company with date old address new address | |
| 2025-03-04 | PSC07 | persons-with-significant-control | Cessation of a person with significant control | |
| 2025-03-04 | PSC07 | persons-with-significant-control | Cessation of a person with significant control | |
| 2025-03-04 | AD01 | address | Change registered office address company with date old address new address | |
| 2025-03-04 | TM01 | officers | Termination director company with name termination date | |
| 2025-03-04 | TM01 | officers | Termination director company with name termination date | |
| 2025-03-04 | TM02 | officers | Termination secretary company with name termination date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 11
- Capital events
- 1
- Officers appointed
- 4
- Officers resigned
- 2
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.