FSB INSURANCE SERVICE LIMITED
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Next accounts due
2026-09-30 (in 4mo)
Last filed for 2024-12-31
Confirmation statement due
2026-07-05 (in 2mo)
Last made up 2025-06-21
Watchouts
None on the register
Cash
£827K
-6.4% vs 2023
Net assets
£406K
+36.3% vs 2023
Employees
28
+7.7% vs 2023
Profit before tax
£144K
+453.7% vs 2023
Net assets
2-year trend · vs Financials median
Accounts
2-year trend · latest reflected 2024-12-31
| Metric | Trend | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Turnover | £1,868,996 | £2,135,269 | |
| Operating profit | -£32,245 | £158,548 | |
| Profit before tax | -£40,786 | £144,240 | |
| Net profit | -£30,943 | £108,180 | |
| Cash | £884,149 | £827,326 | |
| Total assets less current liabilities | — | — | |
| Net assets | £298,268 | £406,448 | |
| Equity | £298,268 | £406,448 | |
| Average employees | 26 | 28 | |
| Wages | £977,530 | £1,055,244 | |
| Directors' remuneration | £211,477 | £215,080 |
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 2024-12-31 vs 2023-12-31
-
Turnover
+14.2%
£1,868,996 £2,135,269
-
Cash
-6.4%
£884,149 £827,326
-
Net assets
+36.3%
£298,268 £406,448
-
Employees
+7.7%
26 28
-
Operating profit
+591.7%
-£32,245 £158,548
-
Profit before tax
+453.7%
-£40,786 £144,240
-
Wages
+8%
£977,530 £1,055,244
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 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Operating margin | -1.7% | 7.4% | |
| Net margin | -1.7% | 5.1% | |
| Current ratio | 1.20x | 1.40x | |
| Interest cover | -3.78x | 7.89x |
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
- FSB INSURANCE SERVICE LIMITED 2018-12-20 → present
- RUSKIN SQUARE LIMITED 2017-06-22 → 2018-12-20
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Standalone (parent only)
- Auditor
- KPMG LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“No material uncertainties that cast significant doubt about the ability of the Company to continue as a going concern have been identified by the Directors. A loan facility is in place with MCH which will provide support and funds to allow the Company to meet its commitments. Having regard to the financial position including the available resources and expected future profits and cashflows, the Directors have a reasonable expectation that the Company has adequate resources to continue in operational existence for the foreseeable future. Thus they continue to adopt the going concern basis of accounting in preparing these annual Financial Statements.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
7 active · 14 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| TEESDALE, Lara Simone | Secretary | 2019-10-16 | — | — |
| ASKEW, Stephen James Thomas | Director | 2021-04-08 | Jun 1954 | British |
| DUNCAN, Jason Alexander | Director | 2020-01-01 | Sep 1975 | British |
| FREEMANTLE, Katherine Louise | Director | 2022-02-16 | Aug 1989 | British |
| MOONEY, Lee | Director | 2025-11-19 | Sep 1979 | British |
| PERRY, David Andrew | Director | 2017-06-22 | May 1962 | British |
| ROSS, Ian William James | Director | 2025-04-23 | Oct 1985 | British |
Show 14 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BAILEY, Andrew John | Secretary | 2017-06-22 | 2019-10-16 |
| NOROSE COMPANY SECRETARIAL SERVICES LIMITED | Corporate Secretary | 2017-06-22 | 2017-06-22 |
| CHERRY, Michael Hugh | Director | 2017-08-16 | 2018-03-08 |
| GALJAARD, Neil Edward | Director | 2017-06-22 | 2025-11-27 |
| LAY, Alexis Lesley | Director | 2020-05-11 | 2023-07-04 |
| LAZENBY, Timothy Grange | Director | 2018-01-23 | 2022-02-16 |
| LILLEY, Julie Elaine | Director | 2024-06-10 | 2025-04-23 |
| LILLEY, Julie Elaine | Director | 2017-08-16 | 2018-01-23 |
| LOVATT, Gary | Director | 2019-12-09 | 2021-04-08 |
| MILES, David John | Director | 2018-03-08 | 2020-04-23 |
| MILSTED, Laurence James | Director | 2023-07-04 | 2024-04-09 |
| STALLON, David Anthony | Director | 2018-01-23 | 2019-09-02 |
| VINCE, Thomas James | Director | 2017-06-22 | 2017-06-22 |
| WILSON, Simon | Director | 2017-06-22 | 2019-12-31 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Norose Company Secretarial Services Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2017-06-22 | Ceased 2017-06-22 |
| F.S.B. (Member Services) Limited | Corporate entity | Shares 25–50%, Voting 25–50% | 2017-06-22 | Active |
| Markel Capital Holdings Limited | Corporate entity | Shares 50–75%, Voting 50–75%, Appoints directors | 2017-06-22 | Active |
Filing timeline
Last 20 of 68 total filings
Material constitutional events — rename, articles re-file, resolution
- 2023-03-29 MA Memorandum articles
- 2023-03-29 RESOLUTIONS Resolution
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2025-12-03 | AP01 | officers | Appoint person director company with name date | |
| 2025-12-03 | TM01 | officers | Termination director company with name termination date | |
| 2025-07-22 | AA | accounts | Accounts with accounts type full | |
| 2025-06-23 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-05-08 | AP01 | officers | Appoint person director company with name date | |
| 2025-05-07 | TM01 | officers | Termination director company with name termination date | |
| 2024-07-30 | AA | accounts | Accounts with accounts type full | |
| 2024-06-28 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-06-12 | AP01 | officers | Appoint person director company with name date | |
| 2024-04-25 | TM01 | officers | Termination director company with name termination date | |
| 2023-09-30 | AA | accounts | Accounts with accounts type full | |
| 2023-07-14 | AP01 | officers | Appoint person director company with name date | |
| 2023-07-14 | TM01 | officers | Termination director company with name termination date | |
| 2023-07-05 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2023-03-29 | SH08 | capital | Capital name of class of shares | |
| 2023-03-29 | MA | incorporation | Memorandum articles | |
| 2023-03-29 | RESOLUTIONS | resolution | Resolution | |
| 2022-08-23 | AA | accounts | Accounts with accounts type full | |
| 2022-07-05 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-02-17 | AP01 | officers | Appoint person director company with name date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 6
- Capital events
- 0
- 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.