ANCILE INSURANCE GROUP LTD.
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Cash
£4.9m
-11.2% vs 2024
Net assets
£1.4m
+19.4% highest in 6 filed years
Employees
30
+15.4% highest in 6 filed years
Profit before tax
£486k
-33.1% vs 2024
Net assets
6-year trend · vs Financials median
Accounts
6-year trend · Δ = latest vs prior filed period · latest reflected 2025-12-31
| Metric | Trend | 2020-12-31 | 2021-12-31 | 2022-12-31 | 2023-12-31 | 2024-12-31 | 2025-12-31 | Δ vs prior |
|---|---|---|---|---|---|---|---|---|
| Turnover | — | — | — | — | £15,784,878 | £19,865,262 | +25.8% | |
| Operating profit | — | — | — | — | £682,307 | £386,508 | -43.4% | |
| Profit before tax | — | — | — | — | £726,811 | £486,119 | -33.1% | |
| Net profit | — | — | — | — | £548,305 | £383,373 | -30.1% | |
| Cash | £1,123,141 | £2,260,844 | £2,439,431 | £3,279,452 | £5,468,666 | £4,854,855 | -11.2% | |
| Total assets less current liabilities | £1,387,897 | £700,401 | £757,445 | £1,679,612 | £1,835,468 | £1,651,605 | -10% | |
| Net assets | -£74,724 | -£285,597 | -£258,666 | £758,084 | £1,201,388 | £1,434,886 | +19.4% | |
| Equity | -£74,724 | -£285,597 | -£258,666 | £758,084 | £1,201,388 | £1,434,886 | +19.4% | |
| Average employees | 20 | 17 | 25 | 26 | 26 | 30 | +15.4% | |
| Wages | — | — | — | — | £2,100,025 | £3,079,498 | +46.6% | |
| Directors' remuneration | — | — | — | — | £456,425 | £495,175 | +8.5% | |
| Directors' pension contributions | £NaN | £NaN | £NaN | £NaN | £15,597 | £16,895 | +8.3% | |
| Highest paid director | £NaN | £NaN | £NaN | £NaN | £174,900 | £269,707 | +54.2% |
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 | 2020-12-31 | 2021-12-31 | 2022-12-31 | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|---|---|---|
| Operating margin | — | — | — | — | 4.3% | 1.9% | |
| Net margin | — | — | — | — | 3.5% | 1.9% | |
| Return on capital employed | — | — | — | — | 37.2% | 23.4% | |
| Gearing (liabilities / total assets) | 104.3% | 109.9% | 107.4% | 83.1% | 81.1% | 78.7% | |
| Current ratio | — | — | — | — | 1.37x | 1.29x | |
| Interest cover | — | — | — | — | 15.68x | — |
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
- ANCILE INSURANCE GROUP LTD. 2011-01-05 → present
- ONE UNDERWRITING LTD 2005-04-19 → 2011-01-05
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Standalone (parent only)
- Auditor
- Bright Grahame Murray
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The directors have reviewed the company's ability to meet its obligations for the foreseeable future, being twelve months from the approval of these financial statements. The company will continue to receive financial support from its shareholders to meet its obligations and therefore the directors consider that the going concern basis is appropriate.”
Group structure
- ANCILE INSURANCE GROUP LTD. · parent
- Insurewithease.com Limited 100%
- Goodtogoinsurance.com Limited 100%
- Yourcover Ltd 100%
Significant events
- “During the year, the company implemented a growth share incentive scheme to incentivise a senior executive of the business. Under this arrangement, 300 E ordinary shares of £1 each were issued on 02 May 2025 to a director of the company at a subscription price of £135.19 per share, giving total proceeds of £40,557.”
- “The company advanced a £40,557 loan to a director under an agreement dated 29 April 2025, bearing interest at the HMRC prescribed rate and repayable on the earlier of ten years or an exit event, with no amounts written off or waived.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
3 active · 10 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| TROTT, Simon Mark | Secretary | 2024-04-02 | — | — |
| PAYNE, Christopher | Director | 2007-10-01 | Mar 1971 | British |
| TROTT, Simon Mark | Director | 2024-04-02 | Oct 1969 | British |
Show 10 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BOWN, Josephine Mary Wurr | Secretary | 2005-04-19 | 2008-03-26 |
| COHEN, Michael Geoffrey | Secretary | 2008-03-26 | 2011-07-01 |
| LINNEY, Graham Robert | Secretary | 2011-07-01 | 2024-04-02 |
| SWIFT INCORPORATIONS LIMITED | Corporate Nominee Secretary | 2005-04-19 | 2005-04-19 |
| BOWN, Josephine Mary Wurr | Director | 2005-04-19 | 2006-08-16 |
| BYRNE, Paul Edward | Director | 2008-09-30 | 2011-07-01 |
| BYRNE, Paul Edward | Director | 2005-04-19 | 2007-01-01 |
| GILMOUR, Ian James | Director | 2005-04-19 | 2011-07-01 |
| LINNEY, Graham Robert | Director | 2011-07-01 | 2024-04-02 |
| WOODS, Neil | Director | 2007-01-01 | 2008-07-08 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Ancile Group Holdings Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2020-05-18 | Active |
| Mr Christopher Payne | Individual | Shares 25–50% | 2016-04-06 | Ceased 2020-05-18 |
| Mr Graham Robert Linney | Individual | Shares 50–75% | 2016-04-06 | Ceased 2020-05-18 |
Filing timeline
Last 20 of 111 total filings
Material constitutional events — rename, articles re-file, resolution
- 2025-05-13 MA Memorandum articles
- 2025-05-13 RESOLUTIONS Resolution
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-08-18 | AA | accounts | Accounts with accounts type full | |
| 2026-04-29 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2025-08-07 | AA | accounts | Accounts with accounts type small | |
| 2025-05-13 | MA | incorporation | Memorandum articles | |
| 2025-05-13 | RESOLUTIONS | resolution | Resolution | |
| 2025-05-08 | SH01 | capital | Capital allotment shares | |
| 2025-05-02 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2024-11-05 | CH01 | officers | Change person director company with change date | |
| 2024-11-05 | CH03 | officers | Change person secretary company with change date | |
| 2024-09-05 | AA | accounts | Accounts with accounts type small | |
| 2024-07-16 | PSC05 | persons-with-significant-control | Change to a person with significant control | |
| 2024-07-16 | AD01 | address | Change registered office address company with date old address new address | |
| 2024-04-23 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-04-03 | AP03 | officers | Appoint person secretary company with name date | |
| 2024-04-03 | AP01 | officers | Appoint person director company with name date | |
| 2024-04-02 | TM02 | officers | Termination secretary company with name termination date | |
| 2024-04-02 | TM01 | officers | Termination director company with name termination date | |
| 2023-09-26 | AA | accounts | Accounts with accounts type small | |
| 2023-04-19 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-10-11 | PSC05 | persons-with-significant-control | Change to a person with significant control |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 2
- 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.