EQUINE AND LIVESTOCK INSURANCE COMPANY LIMITED (THE)
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Next accounts due
2026-06-30 (in 1mo)
Last filed for 2024-09-30
Confirmation statement due
2026-07-01 (in 2mo)
Last made up 2025-06-17
Watchouts
Cash
£28M
-6% vs 2023
Net assets
£48M
0% vs 2023
Employees
109
+1.9% vs 2023
Profit before tax
£2M
-50.8% vs 2023
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
2-year trend · vs Financials median
Accounts
2-year trend · latest reflected 2024-09-30
| Metric | Trend | 2023-09-30 | 2024-09-30 |
|---|---|---|---|
| Turnover | £68,794,000 | £67,163,000 | |
| Operating profit | £421,000 | -£2,228,000 | |
| Profit before tax | £3,058,000 | £1,504,000 | |
| Net profit | £2,356,000 | £1,307,000 | |
| Cash | £29,486,000 | £27,704,000 | |
| Total assets less current liabilities | £63,372,000 | £63,569,000 | |
| Net assets | £48,466,000 | £48,481,000 | |
| Equity | £48,466,000 | £48,481,000 | |
| Average employees | 107 | 109 | |
| Wages | £4,280,000 | £4,609,000 |
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
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2023-09-30 | 2024-09-30 |
|---|---|---|---|
| Operating margin | 0.6% | -3.3% | |
| Net margin | 3.4% | 1.9% | |
| Return on capital employed | 0.7% | -3.5% | |
| Gearing (liabilities / total assets) | 32.0% | 27.2% | |
| Current ratio | 6.59x | 16.94x | |
| Interest cover | 70.17x | — |
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
- Reporting scope
- Standalone (parent only)
- Auditor
- BDO LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“On this basis, the directors have a reasonable expectation that the Company will maintain adequate solvency to continue in operational existence for the foreseeable future. Accordingly, the directors of the Company have adopted the going concern basis in preparing these financial statements.”
Group structure
- EQUINE AND LIVESTOCK INSURANCE COMPANY LIMITED (THE) · parent
- Insurance Emporium Limited 100%
Significant events
- “The Company commenced the implementation of a new claims management system in the year.”
- “The Company developed its Next Generation IT architecture, with the objective of improving the customer experience and utilising emerging technologies, including Artificial Intelligence.”
- “The Company completed its first annual Consumer Duty self-assessment and the annual Operational Resilience self-assessment.”
- “The Company continued the development of the Environmental, Social and Governance vision and framework.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
6 active · 11 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| SHAW, Jane Helen | Secretary | 2018-09-11 | — | — |
| HALL, Christopher James | Director | 2014-01-31 | Apr 1969 | British |
| HOWELLS-LEE, Karen Elizabeth | Director | 2002-05-01 | Mar 1968 | British |
| MARTIN, Francis David | Director | — | Apr 1967 | British |
| MYERS, Peter Edward | Director | 2017-08-07 | Apr 1963 | British |
| WALKER, Elisabeth Mary | Director | 2017-09-15 | Dec 1961 | British |
Show 11 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BOUSTEAD, Kay Julia | Secretary | 2002-05-01 | 2010-10-01 |
| DYSON, Nicholas Ralph | Secretary | 1995-07-01 | 2000-10-27 |
| GRIFFIN, Christopher Alan | Secretary | — | 1995-07-01 |
| HALL, Christopher James | Secretary | 2010-10-21 | 2018-09-11 |
| NEWCOMBE, Richard Stuart | Secretary | 2000-10-27 | 2002-05-01 |
| GRIFFIN, Christopher Alan | Director | — | 2014-01-31 |
| MARTIN, Amy Katherine | Director | 2010-01-08 | 2019-10-09 |
| MARTIN, Brian Richard | Director | 2015-11-02 | 2015-11-04 |
| MARTIN, Brian Richard | Director | — | 2015-11-02 |
| MARTIN, Elizabeth | Director | 2015-11-02 | 2015-11-04 |
| MARTIN, Elizabeth | Director | — | 2015-11-02 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Mrs Audrey Ramirez | Individual | significant-influence-or-control-as-trust | 2025-03-31 | Active |
| Equiom S.A.M | Corporate entity | ownership-of-shares-75-to-100-percent-as-trust | 2018-01-17 | Ceased 2025-03-31 |
| Mr Brian Richard Martin | Individual | Significant influence | 2016-04-06 | Active |
Filing timeline
Last 20 of 177 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2025-07-02 | AA | accounts | Accounts with accounts type full | |
| 2025-06-19 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-06-02 | PSC01 | persons-with-significant-control | Notification of a person with significant control | |
| 2025-06-02 | PSC07 | persons-with-significant-control | Cessation of a person with significant control | |
| 2024-12-17 | AD01 | address | Change registered office address company with date old address new address | |
| 2024-06-27 | AA | accounts | Accounts with accounts type full | |
| 2024-06-27 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-03-08 | PSC02 | persons-with-significant-control | Notification of a person with significant control | |
| 2024-03-08 | PSC01 | persons-with-significant-control | Notification of a person with significant control | |
| 2024-03-06 | PSC09 | persons-with-significant-control | Withdrawal of a person with significant control statement | |
| 2023-07-04 | AA | accounts | Accounts with accounts type full | |
| 2023-06-20 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-06-24 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-06-22 | AA | accounts | Accounts with accounts type full | |
| 2021-06-21 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2021-06-20 | AA | accounts | Accounts with accounts type full | |
| 2021-06-09 | CH01 | officers | Change person director company with change date | |
| 2020-07-03 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2020-05-19 | AA | accounts | Accounts with accounts type full | |
| 2019-10-17 | TM01 | officers | Termination director company with name termination date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 4
- Capital events
- 0
- Officers appointed
- 0
- Officers resigned
- 0
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.
Year-on-year
FY2023 → FY2024 · period ending 2024-09-30 vs 2023-09-30
-
Turnover
-2.4%
£68,794,000 £67,163,000
-
Cash
-6%
£29,486,000 £27,704,000
-
Net assets
0%
£48,466,000 £48,481,000
-
Employees
+1.9%
107 109
-
Operating profit
-629.2%
£421,000 -£2,228,000
-
Profit before tax
-50.8%
£3,058,000 £1,504,000
-
Wages
+7.7%
£4,280,000 £4,609,000
Each % is (latest − prior) ÷ |prior| for the line item as filed. Periods don't have to be exactly 12 months apart — a long or short period (typical around incorporation or year-end changes) will distort the comparison. Lines a company doesn't report are omitted. About these numbers