LIVERPOOL VICTORIA LIFE COMPANY LIMITED
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Next accounts due
2026-09-30 (in 4mo)
Last filed for 2024-12-31
Confirmation statement due
2026-09-01 (in 4mo)
Last made up 2025-08-18
Watchouts
None on the register
Cash
—
Latest balance sheet
Net assets
£8M
+6.1% vs 2023
Employees
—
Average over period
Profit before tax
£444K
+55.8% vs 2023
Name history
Renamed 1 time since incorporation
- LIVERPOOL VICTORIA LIFE COMPANY LIMITED 2001-06-04 → present
- PERMANENT INSURANCE COMPANY LIMITED 1958-01-23 → 2001-06-04
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 |
|---|---|---|---|
| Gross written premiums | £45,000 | £41,000 | |
| Net earned premiums | £404,000 | £375,000 | |
| Claims incurred | £889,000 | £733,000 | |
| Investment return | £129,000 | £351,000 | |
| Profit before tax | £285,000 | £444,000 | |
| Net profit | £113,000 | £459,000 | |
| Insurance contract liabilities | £8,782,000 | £7,953,000 | |
| Total assets | £16,762,000 | £16,083,000 | |
| Total liabilities | £9,214,000 | £8,076,000 | |
| Equity | £7,548,000 | £8,007,000 | |
| Average employees | — | — |
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 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Gearing (liabilities / total assets) | 55.0% | 50.2% |
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
- Forvis Mazars LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The Directors have assessed the level of capital resources and the liquidity of the Company and have a reasonable expectation that the Company has adequate resources to continue in operational existence for a period of at least twelve months from the date of approval of the financial statements. The Company therefore continues to adopt the going concern basis in preparing its financial statements.”
Significant events
- “In February 2025, the PRA provided their non-objection for the Company to pay up excess surplus capital to the parent company Liverpool Victoria Financial Services Limited (LVFS). The Directors declared and paid an interim dividend of £2,400,000 to LVFS in March 2025.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
4 active · 63 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| WILSON, Oliver Thomas | Secretary | 2024-11-04 | — | — |
| HYNAM, David Emmanuel | Director | 2023-02-01 | Aug 1971 | British |
| PERCIVAL, Stephen Keith | Director | 2023-07-26 | Oct 1975 | British |
| ROBERT, Jean-Marc | Director | 2026-01-01 | Sep 1981 | British |
Show 63 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BOWERS, Peter Douglass | Secretary | 1997-07-01 | 2001-09-21 |
| CASSIDY, Paul Bernard | Secretary | 2007-08-29 | 2013-01-01 |
| HOLDEN, Ronald Stanley | Secretary | — | 1995-04-24 |
| JERRARD, Vincent John | Secretary | 2004-02-03 | 2007-08-29 |
| JONES, Michael Peter | Secretary | 2018-09-19 | 2024-11-04 |
| NICHOLLS, David William | Secretary | 2002-10-01 | 2004-02-03 |
| PETERS, Colin Anthony | Secretary | 2001-09-21 | 2002-10-01 |
| RODERICK, Joseph Alan John | Secretary | 1995-04-25 | 1997-06-30 |
| SMALL, Rachel Susan | Secretary | 2013-01-01 | 2018-09-03 |
| ABERCROMBY, Keith William | Director | 2007-07-23 | 2010-11-09 |
| BANNON, John Paul | Director | 2003-07-17 | 2009-12-31 |
| BERRYMAN, Malcolm Leonard | Director | 2001-02-16 | 2006-01-16 |
| BOND, Derek John | Director | — | 1994-12-31 |
| BOUTWOOD, Anne | Director | — | 1995-05-26 |
| BOWERS, Peter Douglass | Director | 1998-01-01 | 2001-09-21 |
| BOWLEY, Roger Quintin | Director | 1995-05-26 | 1997-12-31 |
| BROWN, Michael Bannister | Director | 1994-06-15 | 1997-06-30 |
| BUTCHER, Charles Hugh Wendy | Director | — | 1993-04-20 |
| CHAPMAN, Andrew Donald Sutcliffe | Director | 1997-10-01 | 2002-06-24 |
| COOK, Rodney Malcolm | Director | 2007-01-25 | 2010-03-31 |
| CORDWELL, Ian Derek | Director | 2001-02-16 | 2006-11-21 |
| CUDMORE, Barry | Director | 2022-04-01 | 2023-05-25 |
| DANIELS, Steven Michael | Director | 2004-03-16 | 2009-09-30 |
| DANIELS, Steven Michael | Director | 2001-02-16 | 2002-06-24 |
| EARL, Christopher Joseph, Dr | Director | — | 1995-05-26 |
| FOSTER, Nicholas John | Director | 1998-01-01 | 2001-07-01 |
| HANSCOMB, Mark Russell | Director | 2022-04-01 | 2025-12-31 |
| HARRIS-DEANS, Patrick Kenneth | Director | 1994-01-18 | 1997-12-31 |
| HARTIGAN, Mark Patrick | Director | 2020-06-15 | 2022-09-30 |
| HAYNES, Stephen Robert | Director | 2011-10-25 | 2017-12-31 |
| HEAF, Peter Julius Denison | Director | — | 1993-06-30 |
| JAMES, Robert Hedley | Director | 1993-02-16 | 1995-05-26 |
| JARMAN, Brian, Professor Sir | Director | 1993-05-21 | 1995-05-26 |
| JARVIS, Hugh John | Director | — | 1993-10-12 |
| KINNIS, Shaun Munro | Director | 1995-05-26 | 1997-07-31 |
| LE BEAU, Peter Edward James | Director | 2000-11-21 | 2001-02-16 |
| MARAN, Stephen Andrew | Director | 2004-03-16 | 2005-07-25 |
| MARTIN, Peter Ernest | Director | 1995-05-26 | 2001-02-16 |
| MATTHEWS, Christopher John | Director | 1997-08-01 | 2001-02-16 |
| MCANDREW, Nicolas | Director | 2004-03-16 | 2005-05-25 |
| MILLS, Rye Douglas | Director | 2001-02-16 | 2002-06-24 |
| MOORE, Philip Wynford | Director | 2010-11-10 | 2017-06-29 |
| NASH, Alan | Director | 1997-08-01 | 2000-12-07 |
| NOTT, Gillian | Director | 2005-05-25 | 2007-03-14 |
| PARSONS, Andrew Mark | Director | 2017-06-30 | 2019-11-30 |
| PERKS, John Trevor | Director | 2017-07-01 | 2019-02-25 |
| RANSON, Roy Henry | Director | 1995-05-26 | 1999-05-27 |
| RICHARDSON, Kevin Francis | Director | 2002-06-24 | 2003-06-30 |
| RIX, Myles Ian | Director | 2016-03-24 | 2017-06-30 |
| RIX, Myles Ian | Director | 2010-07-27 | 2010-12-31 |
| ROGERS, Michael John | Director | 2006-06-05 | 2016-07-28 |
| ROSE, Barry Michael | Director | 2004-03-16 | 2007-03-14 |
| ROWNEY, Richard Alexander | Director | 2019-05-10 | 2019-12-31 |
| ROWNEY, Richard Alexander | Director | 2007-07-05 | 2018-07-01 |
| SNOW, Anthony Wayne | Director | 2018-07-01 | 2021-09-16 |
| SOLOMON, Michael John Edward | Director | 1995-05-26 | 1997-12-31 |
| SPRAGG, Roy John | Director | 2002-06-24 | 2007-08-17 |
| SWEETNAM, David Rodney, Sir | Director | — | 1995-05-26 |
| THOMSON, David Paget | Director | — | 1997-06-30 |
| TRITTON, Alan George | Director | 1995-05-26 | 1999-05-27 |
| WALKER, Christopher | Director | 2020-11-23 | 2022-01-14 |
| WELLER, John Martin | Director | 1997-08-01 | 2001-02-16 |
| WOOLHOUSE, John Thomas | Director | 2004-03-16 | 2007-03-14 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Liverpool Victoria Financial Services Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2020-01-02 | Active |
Filing timeline
Last 20 of 293 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-01-14 | AP01 | officers | Appoint person director company with name date | |
| 2026-01-08 | TM01 | officers | Termination director company with name termination date | |
| 2025-08-19 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-07-16 | AA | accounts | Accounts with accounts type full | |
| 2024-11-13 | AP03 | officers | Appoint person secretary company with name date | |
| 2024-11-13 | TM02 | officers | Termination secretary company with name termination date | |
| 2024-08-29 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-07-08 | AA | accounts | Accounts with accounts type full | |
| 2023-08-29 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-08-03 | AP01 | officers | Appoint person director company with name date | |
| 2023-07-15 | AA | accounts | Accounts with accounts type full | |
| 2023-05-30 | TM01 | officers | Termination director company with name termination date | |
| 2023-02-03 | AP01 | officers | Appoint person director company with name date | |
| 2022-10-03 | TM01 | officers | Termination director company with name termination date | |
| 2022-08-17 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-07-11 | AA | accounts | Accounts with accounts type full | |
| 2022-04-01 | AP01 | officers | Appoint person director company with name date | |
| 2022-04-01 | AP01 | officers | Appoint person director company with name date | |
| 2022-01-21 | TM01 | officers | Termination director company with name termination date | |
| 2021-09-16 | 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
- 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.
Year-on-year
FY2023 → FY2024 · period ending 2024-12-31 vs 2023-12-31
-
Gross written premiums
-8.9%
£45,000 £41,000
-
Net earned premiums
-7.2%
£404,000 £375,000
-
Profit before tax
+55.8%
£285,000 £444,000
-
Equity
+6.1%
£7,548,000 £8,007,000
-
Claims incurred
-17.5%
£889,000 £733,000
-
Insurance contract liabilities
-9.4%
£8,782,000 £7,953,000
-
Investment return
+172.1%
£129,000 £351,000
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