PROTECT LINE LTD
Operating as Protect Line, the company is a Dorset-based life insurance broker providing a range of protection products, and is controlled by JDB Line Ltd.
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Cash
£15M
+24.6% highest in 5 filed years
Net assets
£7.3M
+76.4% highest in 5 filed years
Employees
209
-7.1% lowest in 5 filed years
Profit before tax
£4.2M
+36% highest in 5 filed years
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
1 PSC ceased in last 24 months
Significant control changed hands — see the Ownership section.
Net assets
5-year trend · vs Financials median
Accounts
5-year trend · Δ = latest vs prior filed period · latest reflected 2025-06-30
| Metric | Trend | 2020-12-31 | 2021-12-31 | 2023-06-30 | 2024-06-30 | 2025-06-30 | Δ vs prior |
|---|---|---|---|---|---|---|---|
| Turnover | £20,424,488 | — | — | £27,138,323 | £31,635,188 | +16.6% | |
| Operating profit | £1,265,881 | — | — | £2,883,729 | £3,761,786 | +30.4% | |
| Profit before tax | £1,288,478 | -£305,748 | -£143,473 | £3,076,000 | £4,183,556 | +36% | |
| Net profit | £1,038,106 | -£280,145 | -£122,832 | £2,307,158 | £3,146,678 | +36.4% | |
| Cash | £7,191,224 | £2,926,034 | £3,381,237 | £11,724,989 | £14,614,046 | +24.6% | |
| Total assets less current liabilities | £7,490,942 | £5,071,929 | £6,003,070 | £10,968,205 | £14,552,521 | +32.7% | |
| Net assets | £2,219,095 | £1,938,950 | £1,816,118 | £4,123,276 | £7,271,954 | +76.4% | |
| Equity | £2,219,095 | £1,938,950 | £1,816,118 | £4,123,276 | £7,271,954 | +76.4% | |
| Average employees | 219 | 265 | 226 | 225 | 209 | -7.1% | |
| Wages | £8,212,650 | £10,341,890 | £14,121,897 | £11,437,165 | £11,838,862 | +3.5% | |
| Directors' remuneration | £489,167 | £509,640 | £750,746 | £1,282,348 | £1,072,590 | -16.4% |
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 | 2023-06-30 | 2024-06-30 | 2025-06-30 |
|---|---|---|---|---|---|---|
| Operating margin | 6.2% | — | — | 10.6% | 11.9% | |
| Net margin | 5.1% | — | — | 8.5% | 9.9% | |
| Return on capital employed | 16.9% | — | — | 26.3% | 25.8% | |
| Current ratio | — | — | — | 3.29x | 5.79x | |
| Interest cover | — | — | — | — | 45.61x |
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 §1A
- Reporting scope
- Standalone (parent only)
- Abridged
- Yes — abridged accounts (limited disclosure)
- Auditor
- Saffery LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“At the time of approving the financial statements, the director has a reasonable expectation that the company has adequate resources to continue in operational existence for the foreseeable future. Thus the director continues to adopt the going concern basis of accounting in preparing the financial statements.”
Significant events
- “At the beginning of 2025, Protect Line supported the launch of a start-up partnership to create a new brand in the life insurance industry - Red.co.uk. The combination of the underlying strength of Protect Line with the creativity and energy of the new branding strengthens our platform for future growth.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
3 active · 2 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| BREWER, Joanne | Secretary | 2011-07-26 | — | British |
| BREWER, Joanne Louise | Director | 2015-04-15 | Jul 1972 | British |
| JONES, Emma-Jane | Director | 2025-12-29 | May 1972 | British |
Show 2 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BREWER, David Charles | Director | 2009-10-28 | 2025-12-20 |
| MARSHALL, Steve Lee | Director | 2015-10-31 | 2017-01-13 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Jdb Line Ltd | Corporate entity | Shares 75–100% | 2016-05-24 | Active |
| Mr David Charles Brewer | Individual | Shares 75–100% | 2016-04-06 | Ceased 2025-12-20 |
| Mrs Joanne Louise Brewer | Individual | Shares 75–100% | 2016-04-06 | Active |
Filing timeline
Last 20 of 71 total filings
Material constitutional events — rename, articles re-file, resolution
- 2025-04-02 RESOLUTIONS Resolution
- 2025-04-02 MA Memorandum articles
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-03-26 | AA | accounts | Accounts with accounts type full | |
| 2026-01-26 | PSC07 | persons-with-significant-control | Cessation of a person with significant control | |
| 2025-12-29 | TM01 | officers | Termination director company with name termination date | |
| 2025-12-29 | AP01 | officers | Appoint person director company with name date | |
| 2025-10-29 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2025-09-05 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2025-04-03 | SH01 | capital | Capital allotment shares | |
| 2025-04-02 | RESOLUTIONS | resolution | Resolution | |
| 2025-04-02 | MA | incorporation | Memorandum articles | |
| 2025-04-02 | SH10 | capital | Capital variation of rights attached to shares | |
| 2025-04-02 | SH08 | capital | Capital name of class of shares | |
| 2024-10-29 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-10-04 | AA | accounts | Accounts with accounts type full | |
| 2024-09-19 | PSC02 | persons-with-significant-control | Notification of a person with significant control | |
| 2024-08-01 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2024-03-25 | AA | accounts | Accounts with accounts type full | |
| 2023-10-30 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-11-04 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-10-03 | AA01 | accounts | Change account reference date company current extended | |
| 2022-09-22 | AA | accounts | Accounts with accounts type full |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 6
- Capital events
- 3
- Officers appointed
- 1
- Officers resigned
- 1
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.