BSPOKE LIFESTYLE LTD
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Cash
£91K
-78.9% vs 2024
Net assets
£2.4M
+53.5% vs 2024
Employees
39
0% vs 2024
Profit before tax
£831K
+2.2% vs 2024
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.
Net assets
2-year trend · vs Financials median
Accounts
2-year trend · Δ = latest vs prior filed period · latest reflected 2025-03-30
| Metric | Trend | 2024-03-30 | 2025-03-30 | Δ vs prior |
|---|---|---|---|---|
| Turnover | £4,156,282 | £4,655,481 | +12% | |
| Operating profit | £832,280 | £837,358 | +0.6% | |
| Profit before tax | £812,548 | £830,806 | +2.2% | |
| Net profit | £845,737 | £830,806 | -1.8% | |
| Cash | £432,347 | £91,174 | -78.9% | |
| Total assets less current liabilities | £1,631,078 | £2,419,838 | +48.4% | |
| Net assets | £1,552,970 | £2,383,776 | +53.5% | |
| Equity | £1,552,970 | £2,383,776 | +53.5% | |
| Average employees | 39 | 39 | 0% | |
| Wages | £1,668,490 | £2,013,273 | +20.7% | |
| Directors' remuneration | £210,841 | £237,162 | +12.5% |
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 | 2024-03-30 | 2025-03-30 |
|---|---|---|---|
| Operating margin | 20.0% | 18.0% | |
| Net margin | 20.3% | 17.8% | |
| Return on capital employed | 51.0% | 34.6% | |
| Current ratio | 4.19x | 5.43x | |
| Interest cover | 42.18x | — |
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 2 times since incorporation
- BSPOKE LIFESTYLE LTD 2023-04-25 → present
- BINNACLE INSURANCE SERVICES LIMITED 2018-10-01 → 2023-04-25
- COMPASSUS LIMITED 2018-06-22 → 2018-10-01
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Standalone (parent only)
- Auditor
- Crowe U.K. LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The Directors have assessed the appropriateness of the going concern basis of preparation, including review and appraisal of future prospects of the Company, working capital facilities available to the Company, consideration of assets at its disposal and its ability to settle future liabilities as they arise. The Directors have modelled cashflows over the next 12 months based on a number of potential scenarios and performed sensitivity analysis on the projections. Following this analysis the Directors consider that it is appropriate for the accounts to be prepared on a going concern basis of accounting.”
Significant events
- “On 06th of August 2025, the Company's parent undertaking, Bspoke Insurance Group and its subsidiaries, were acquired by NFP UK Holdings Limited.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
7 active · 10 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| BARAGWANATH, Andrew Roger | Director | 2019-08-01 | Sep 1958 | British |
| GILL, Ryan Mark | Director | 2025-09-12 | Feb 1983 | British |
| HUNTER, Craig Richard | Director | 2024-01-23 | Jan 1975 | British |
| MCMAHON-WHITE, Kerry Louise | Director | 2025-09-12 | Apr 1979 | British |
| PURVIS, James Robert | Director | 2020-03-09 | Dec 1965 | British |
| SEARLE, Paul Richard | Director | 2019-08-01 | Mar 1970 | British |
| WALKER, Deborah | Director | 2024-03-04 | Feb 1974 | British |
Show 10 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BROPHY, Elizabeth Anne | Secretary | 2018-06-22 | 2020-04-01 |
| DEVENEY, Joanne Elizabeth | Secretary | 2025-03-13 | 2025-08-06 |
| O'SHEA, Tracey | Secretary | 2020-04-01 | 2025-03-13 |
| ANDERSON, Gillian | Director | 2025-03-13 | 2025-10-31 |
| BRANNIGAN, Christopher Thomas Oliver | Director | 2022-07-12 | 2022-11-18 |
| GRIBBEN, Allan Crawford Adamson | Director | 2018-11-05 | 2021-06-07 |
| PRITCHARD, Rosalind Ann | Director | 2019-03-01 | 2022-07-12 |
| SKINGLE, Richard Miles | Director | 2018-06-22 | 2020-02-27 |
| SMYTH, Timothy John | Director | 2018-11-05 | 2025-08-06 |
| STACEY, Karen Ann | Director | 2020-07-29 | 2025-01-19 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Bspoke Central Services Ltd | Corporate entity | Shares 75–100% | 2022-02-14 | Active |
| Pbs Holdings Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2018-06-22 | Ceased 2022-02-14 |
Filing timeline
Last 20 of 68 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-04-04 | AA | accounts | Accounts with accounts type full | |
| 2026-03-11 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-10-31 | TM01 | officers | Termination director company with name termination date | |
| 2025-09-24 | CH01 | officers | Change person director company with change date | |
| 2025-09-22 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2025-09-12 | AP01 | officers | Appoint person director company with name date | |
| 2025-09-12 | AP01 | officers | Appoint person director company with name date | |
| 2025-09-09 | AA01 | accounts | Change account reference date company current shortened | |
| 2025-08-27 | TM02 | officers | Termination secretary company with name termination date | |
| 2025-08-27 | TM01 | officers | Termination director company with name termination date | |
| 2025-03-18 | TM01 | officers | Termination director company with name termination date | |
| 2025-03-18 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-03-13 | AP01 | officers | Appoint person director company with name date | |
| 2025-03-13 | AP03 | officers | Appoint person secretary company with name date | |
| 2025-03-13 | TM02 | officers | Termination secretary company with name termination date | |
| 2024-12-18 | AA | accounts | Accounts with accounts type full | |
| 2024-03-07 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2024-03-06 | AP01 | officers | Appoint person director company with name date | |
| 2024-03-01 | AA | accounts | Accounts with accounts type full | |
| 2024-03-01 | 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
- 10
- Capital events
- 0
- Officers appointed
- 2
- 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.