FSB INSURANCE SERVICE LIMITED
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Cash
£880k
+6.4% vs 2024
Net assets
£362k
+43.7% highest in 3 filed years
Employees
28
0% vs 2024
Profit before tax
£151k
+267.1% highest in 3 filed years
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 |
|---|---|---|---|---|---|
| Turnover | £1,868,996 | £2,135,269 | £2,405,850 | +12.7% | |
| Operating profit | -£32,245 | £61,210 | £150,921 | +146.6% | |
| Profit before tax | -£40,786 | £41,115 | £150,921 | +267.1% | |
| Net profit | -£30,943 | £30,836 | £110,121 | +257.1% | |
| Cash | £884,149 | £827,326 | £880,297 | +6.4% | |
| Total assets less current liabilities | — | £251,760 | £361,881 | +43.7% | |
| Net assets | £298,268 | £251,760 | £361,881 | +43.7% | |
| Equity | £298,268 | £251,760 | £361,881 | +43.7% | |
| Average employees | 26 | 28 | 28 | 0% | |
| Wages | £977,530 | £1,261,494 | £1,230,883 | -2.4% | |
| Directors' remuneration | £211,477 | £215,080 | £254,936 | +18.5% | |
| Directors' pension contributions | £7,230 | £20,206 | — | — | |
| Highest paid director | — | £79,100 | £126,437 | +59.8% |
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 | -1.7% | 2.9% | 6.3% | |
| Net margin | -1.7% | 1.4% | 4.6% | |
| Return on capital employed | — | 24.3% | 41.7% | |
| Gearing (liabilities / total assets) | — | 82.9% | 76.4% | |
| Current ratio | 1.20x | 1.28x | 1.29x | |
| Interest cover | -3.78x | 3.05x | — |
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
“we have not identified, and concur with the directors' assessment that there is not a material uncertainty related to events or conditions that, individually or collectively, may cast significant doubt on the Company's ability to continue as a going concern for the going concern period.”
Significant events
- “The Board is monitoring developments in the Middle East. Given the ongoing nature of the situation, there is uncertainty regarding the ultimate impact; however, based on information currently available at the date of approval, the Board does not consider these events to have a material impact on the Company's financial position or its ability to meet its financial or regulatory requirements.”
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 70 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 | |
|---|---|---|---|---|
| 2026-08-04 | AA | accounts | Accounts with accounts type full | |
| 2026-06-24 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 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 |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 4
- 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.