FIRST CENTRAL INSURANCE MANAGEMENT LIMITED
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Cash
—
Latest balance sheet
Net assets
£60m
+41.5% highest in 3 filed years
Employees
766
-1.3% lowest in 3 filed years
Profit before tax
£24m
-12.1% vs 2024
Watch the reel
Our short-form breakdown of FIRST CENTRAL INSURANCE MANAGEMENT LIMITED's latest filing
UK motor insurance broker 1st Central saw revenue and profit shrink this year on fewer live policies, but boardroom payouts went the other way. 🚗📉
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
3 officer resignations in last 12 months
Multiple officers have left the board recently — see the People section for who.
-
2 PSCs ceased in last 24 months
Significant control changed hands — see the Ownership section.
Net assets
3-year trend · vs Financials median
Accounts
3-year trend · Δ = latest vs prior filed period · latest reflected 2025-12-31
| Metric | Trend | 2023-12-31 | 2024-12-31 | 2025-12-31 | Δ vs prior |
|---|---|---|---|---|---|
| Gross written premiums | — | — | — | — | |
| Net earned premiums | — | — | — | — | |
| Claims incurred | — | £4,774,000 | £13,462,000 | +182% | |
| Investment return | — | — | — | — | |
| Profit before tax | £14,150,000 | £26,827,000 | £23,581,000 | -12.1% | |
| Net profit | £10,756,000 | £20,318,000 | £17,667,000 | -13% | |
| Insurance contract liabilities | — | £16,649,000 | £21,954,000 | +31.9% | |
| Total assets | £612,911,000 | £621,813,000 | £636,563,000 | +2.4% | |
| Total liabilities | £554,777,000 | £579,236,000 | £576,319,000 | -0.5% | |
| Equity | £58,134,000 | £42,577,000 | £60,244,000 | +41.5% | |
| Average employees | 845 | 776 | 766 | -1.3% |
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 | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|
| Operating margin | 3.5% | 6.0% | — | |
| Net margin | 3.1% | 5.5% | — | |
| Return on capital employed | 17.1% | 36.5% | — | |
| Gearing (liabilities / total assets) | 90.5% | 93.2% | 90.5% | |
| Current ratio | 1.13x | 1.11x | — |
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 3 times since incorporation
- FIRST CENTRAL INSURANCE MANAGEMENT LIMITED 2008-09-10 → present
- GEMINI INSURANCE MANAGEMENT LIMITED 2008-05-22 → 2008-09-10
- GEMINI INSURANCE MANAGEMENT SERVICES LIMITED 2008-05-13 → 2008-05-22
- JUPITER INSURANCE SERVICES LIMITED 2008-01-31 → 2008-05-13
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Consolidated group
- Auditor
- Deloitte LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The Directors have a reasonable expectation that the Company have adequate resources to continue in operational existence for a period of at least twelve months from the date of approval of the consolidated financial statements. Thus, the Directors continue to adopt the going concern basis in preparing the annual financial statements.”
Group structure
- FIRST CENTRAL INSURANCE MANAGEMENT LIMITED · parent
- 1ST CENTRAL Law Ltd 100%
Significant events
- “On 14 August 2025 1CL was placed into liquidation.”
- “On 26 February 2026 a dividend of £18,000k was approved for payment by the Directors.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
8 active · 28 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| BEGGS, Kirsten Ann | Secretary | 2025-09-26 | — | — |
| CLARK, Zuzana | Director | 2026-04-15 | Jun 1980 | British |
| GUY, Jonathan Simon | Director | 2018-05-02 | Jun 1973 | British |
| LEPPARD, Anthony Stephen | Director | 2026-04-01 | Apr 1958 | British |
| MEADOWS, Shaun Adrian, Mr. | Director | 2013-06-17 | Aug 1963 | British |
| MECKIFFE, Alison Catherine | Director | 2025-06-19 | Dec 1975 | Irish |
| MOSS, Deirdre Denise | Director | 2023-05-01 | Oct 1964 | British |
| ROBINSON, Ian | Director | 2026-09-01 | Feb 1969 | British |
Show 28 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BREWER, Suzanne | Secretary | 2008-01-31 | 2008-01-31 |
| DEBAES, Suzanne | Secretary | 2013-02-07 | 2025-09-26 |
| DOWLEN, Mitchell Lawrence Edward | Secretary | 2011-09-28 | 2013-02-07 |
| LEONARD, Michael James | Secretary | 2008-01-31 | 2012-02-17 |
| ACOTT, Kenneth John | Director | 2013-02-21 | 2014-03-31 |
| ACOTT, Kenneth John | Director | 2008-09-25 | 2011-02-11 |
| BREWER, Kevin Michael | Director | 2008-01-31 | 2008-01-31 |
| BROWN, Lynda Suzanne | Director | 2010-10-25 | 2011-07-31 |
| BURRELL, Claire Joanne | Director | 2010-10-25 | 2016-06-30 |
| CLARKE, Sally Marie | Director | 2024-04-23 | 2025-07-18 |
| COWLAND, Anne Barbara | Director | 2008-01-31 | 2011-02-11 |
| DOWLEN, Mitchell Lawrence Edward | Director | 2012-08-28 | 2018-06-30 |
| HOWARD, Kevin James | Director | 2014-08-01 | 2018-06-29 |
| JAMES, Andrew Neil | Director | 2013-02-25 | 2019-10-31 |
| KENNEDY, John | Director | 2018-11-14 | 2021-08-31 |
| KITE, James Christopher Alexander | Director | 2022-07-15 | 2025-12-08 |
| LEONARD, Michael James | Director | 2008-01-31 | 2023-01-31 |
| MARINO, Richard Thomas | Director | 2021-04-20 | 2022-11-10 |
| MARR, Glen | Director | 2011-12-06 | 2017-08-31 |
| MCSTRAVICK, Andrew | Director | 2011-06-22 | 2014-01-13 |
| MEYER, Nigel Sinclair | Director | 2022-08-01 | 2026-02-26 |
| PEGG, Robin Douglas | Director | 2011-09-28 | 2012-04-06 |
| ROBERTS, Daniel Jovite | Director | 2014-01-01 | 2014-10-01 |
| SAMPSON, Roy Leonard | Director | 2014-04-29 | 2022-03-31 |
| THOMPSON, Daniel Miles | Director | 2011-01-17 | 2014-06-12 |
| TILLEY, Patrick Anthony | Director | 2008-09-25 | 2011-02-11 |
| TOMASETTI, Ben | Director | 2019-12-24 | 2026-02-26 |
| WOOD, Ian Mark David | Director | 2012-08-30 | 2018-10-30 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Mr Patrick Tilley | Individual | Significant influence, Significant influence (as firm) | 2018-04-04 | Ceased 2025-06-30 |
| Mr Kenneth John Acott | Individual | Significant influence, Significant influence (as firm) | 2018-04-04 | Ceased 2025-01-07 |
| First Central Group Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Voting 75–100% (as firm), Appoints directors | 2016-04-06 | Ceased 2018-04-04 |
Filing timeline
Last 20 of 158 total filings
Material constitutional events — rename, articles re-file, resolution
- 2024-08-08 MA Memorandum articles
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-09-28 | AA | accounts | Accounts with accounts type group | |
| 2026-09-09 | AP01 | officers | Appoint person director company with name date | |
| 2026-04-16 | AP01 | officers | Appoint person director company with name date | |
| 2026-04-02 | AP01 | officers | Appoint person director company with name date | |
| 2026-03-05 | TM01 | officers | Termination director company with name termination date | |
| 2026-03-05 | TM01 | officers | Termination director company with name termination date | |
| 2026-02-06 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-12-10 | TM01 | officers | Termination director company with name termination date | |
| 2025-09-29 | AP03 | officers | Appoint person secretary company with name date | |
| 2025-09-29 | TM02 | officers | Termination secretary company with name termination date | |
| 2025-07-21 | TM01 | officers | Termination director company with name termination date | |
| 2025-07-14 | PSC08 | persons-with-significant-control | Notification of a person with significant control statement | |
| 2025-07-14 | PSC07 | persons-with-significant-control | Cessation of a person with significant control | |
| 2025-06-25 | AA | accounts | Accounts with accounts type group | |
| 2025-06-20 | AP01 | officers | Appoint person director company with name date | |
| 2025-02-14 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-01-15 | PSC07 | persons-with-significant-control | Cessation of a person with significant control | |
| 2024-08-31 | AA | accounts | Accounts with accounts type group | |
| 2024-08-08 | MA | incorporation | Memorandum articles | |
| 2024-04-25 | AP01 | officers | Appoint person director company with name date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 8
- Capital events
- 0
- Officers appointed
- 3
- Officers resigned
- 3
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.