BORLAND INSURANCE LTD
Get an alert when BORLAND INSURANCE LTD files next
Leroy will email you the moment a new filing lands at Companies House — one short note per filing, nothing else.
Cash
£1.3M
-50.6% lowest in 3 filed years
Net assets
£1.5M
-29.6% lowest in 3 filed years
Employees
37
+8.8% highest in 3 filed years
Profit before tax
£1.1M
-13% lowest in 3 filed years
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
5 officer resignations in last 12 months
Multiple officers have left the board recently — see the People section for who.
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 | £4,200,533 | £4,041,372 | £3,896,849 | -3.6% | |
| Operating profit | £1,754,456 | £1,203,725 | £1,043,446 | -13.3% | |
| Profit before tax | £1,769,345 | £1,225,548 | £1,066,396 | -13% | |
| Net profit | £1,659,387 | £1,206,764 | £1,072,573 | -11.1% | |
| Cash | £1,933,497 | £2,540,220 | £1,254,544 | -50.6% | |
| Total assets less current liabilities | £1,912,065 | £2,137,613 | £1,504,009 | -29.6% | |
| Net assets | £1,912,065 | £2,118,829 | £1,491,402 | -29.6% | |
| Equity | £1,912,065 | £2,118,829 | £1,491,402 | -29.6% | |
| Average employees | 31 | 34 | 37 | +8.8% | |
| Wages | £1,435,103 | £1,650,767 | £1,618,353 | -2% | |
| Directors' remuneration | £286,125 | £388,281 | £406,839 | +4.8% |
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 | 41.8% | 29.8% | 26.8% | |
| Net margin | 39.5% | 29.9% | 27.5% | |
| Return on capital employed | 91.8% | 56.3% | 69.4% | |
| Gearing (liabilities / total assets) | 50.2% | 51.3% | — | |
| Current ratio | 1.99x | 1.93x | 1.80x |
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
- BORLAND INSURANCE LTD 2011-12-13 → present
- BORLAND FINANCIAL SERVICES LTD. 1995-10-27 → 2011-12-13
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Standalone (parent only)
- Auditor
- Saffery LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“Based on the work we have performed, we have not identified any material uncertainties relating to events or conditions that, individually or collectively, may cast significant doubt on the Company's ability to continue as a going concern for a period of at least twelve months from when the financial statements are authorised for issue.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
5 active · 23 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| BREE, Michelle | Director | 2025-10-10 | Jun 1986 | Irish |
| COUSINS, David Michael Edwin | Director | 2026-02-26 | Jan 1973 | British |
| CRAWFORD, Charles Robertson | Director | 2025-11-03 | Mar 1964 | British |
| WATSON, Steven George | Director | 2016-03-22 | Jul 1981 | British |
| WHITTINGHAM, James Oliver | Director | 2025-11-22 | Aug 1977 | British |
Show 23 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BORLAND, Ian Clark | Secretary | 2004-12-20 | 2005-11-14 |
| BORLAND, Ian Clark | Secretary | 1995-10-27 | 1995-12-29 |
| BORLAND, Joan Yvonne | Secretary | 1995-12-29 | 2004-12-20 |
| SMITH, Ross Anderson Kemp | Secretary | 2005-11-14 | 2017-02-24 |
| OSWALDS OF EDINBURGH LIMITED | Corporate Nominee Secretary | 1995-10-27 | 1995-10-27 |
| BATHGATE, Andrew | Director | 2013-11-28 | 2019-12-31 |
| BORLAND, Ian Clark | Director | 2011-03-10 | 2012-09-28 |
| BORLAND, Ian Clark | Director | 1995-10-27 | 2005-11-14 |
| DURKIE, Alastair Douglas | Director | 1995-10-27 | 1995-12-29 |
| GOUGH, Sean Nigel | Director | 2021-04-27 | 2024-04-16 |
| HEATHFIELD, David James | Director | 2021-04-27 | 2025-10-31 |
| KERR, Andrew James | Director | 2013-11-28 | 2017-12-31 |
| KILGOUR, Robert Dow | Director | 2018-05-01 | 2024-05-10 |
| LAW, Bruce | Director | 2017-04-11 | 2026-05-26 |
| LOW, Sheila Catriona Dorothy | Director | 2017-11-01 | 2020-12-17 |
| QUILTER, Stuart James | Director | 2021-04-27 | 2026-04-30 |
| REID, Fiona Walker | Director | 2019-10-01 | 2026-05-12 |
| SILCOCK, Claire Maria | Director | 2009-08-07 | 2020-12-31 |
| SILCOCK, John Christopher | Director | 2005-11-14 | 2024-05-10 |
| SMITH, Alison Margaret | Director | 2009-08-07 | 2017-02-24 |
| SMITH, Ross Anderson Kemp | Director | 2004-12-20 | 2017-02-24 |
| SMITH, Ross Anderson Kemp | Director | 1996-10-01 | 1999-03-31 |
| STORRIE, Archibald Keith | Director | 2017-06-01 | 2025-08-01 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Assuredpartners International Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2021-02-01 | Active |
| Mr John Christopher Silcock | Individual | Shares 75–100% | 2016-04-06 | Ceased 2021-03-23 |
| Mr Ross Anderson Kemp Smith | Individual | Shares 25–50% | 2016-04-06 | Ceased 2017-02-24 |
Filing timeline
Last 20 of 163 total filings
Material constitutional events — rename, articles re-file, resolution
- 2026-03-18 CC04 Statement of companys objects
- 2026-03-18 MA Memorandum articles
- 2026-03-18 RESOLUTIONS Resolution
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-06-22 | PSC05 | persons-with-significant-control | Change to a person with significant control | |
| 2026-06-22 | AD01 | address | Change registered office address company with date old address new address | |
| 2026-06-08 | AA | accounts | Accounts with accounts type full | |
| 2026-05-26 | TM01 | officers | Termination director company with name termination date | |
| 2026-05-19 | TM01 | officers | Termination director company with name termination date | |
| 2026-05-01 | TM01 | officers | Termination director company with name termination date | |
| 2026-03-18 | SH08 | capital | Capital name of class of shares | |
| 2026-03-18 | SH10 | capital | Capital variation of rights attached to shares | |
| 2026-03-18 | CC04 | change-of-constitution | Statement of companys objects | |
| 2026-03-18 | MA | incorporation | Memorandum articles | |
| 2026-03-18 | RESOLUTIONS | resolution | Resolution | |
| 2026-02-27 | AP01 | officers | Appoint person director company with name date | |
| 2025-11-28 | AP01 | officers | Appoint person director company with name date | |
| 2025-11-06 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-11-04 | AP01 | officers | Appoint person director company with name date | |
| 2025-10-31 | TM01 | officers | Termination director company with name termination date | |
| 2025-10-16 | AP01 | officers | Appoint person director company with name date | |
| 2025-09-29 | AA | accounts | Accounts with accounts type full | |
| 2025-08-18 | TM01 | officers | Termination director company with name termination date | |
| 2024-12-09 | CS01 | confirmation-statement | Confirmation statement with updates |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 19
- Capital events
- 2
- Officers appointed
- 4
- Officers resigned
- 5
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.