LLOYD & WHYTE GROUP LIMITED
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Next accounts due
2026-09-30 (in 4mo)
Last filed for 2024-12-31
Confirmation statement due
2027-01-14 (in 8mo)
Last made up 2025-12-31
Watchouts
Cash
£5M
-11.5% vs 2023
Net assets
-£13M
-47.6% vs 2023
Employees
573
-0.3% vs 2023
Profit before tax
£951K
+120.4% 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.
Name history
Renamed 1 time since incorporation
- LLOYD & WHYTE GROUP LIMITED 2004-03-17 → present
- LLOYD AND WHYTE (INSURANCE BROKERS) LIMITED 1973-11-06 → 2004-03-17
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 |
|---|---|---|---|
| Turnover | £47,933,116 | £50,785,077 | |
| Operating profit | -£1,893,973 | -£2,033,221 | |
| Profit before tax | -£4,661,073 | £951,201 | |
| Net profit | -£5,780,297 | -£1,621,867 | |
| Cash | £5,413,505 | £4,789,112 | |
| Total assets less current liabilities | £78,950,765 | £79,105,300 | |
| Net assets | -£8,850,140 | -£13,062,152 | |
| Equity | -£8,850,140 | -£13,062,152 | |
| Average employees | 575 | 573 | |
| Wages | £24,105,472 | £25,435,382 |
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 |
|---|---|---|---|
| Operating margin | -4.0% | -4.0% | |
| Net margin | -12.1% | -3.2% | |
| Return on capital employed | -2.4% | -2.6% | |
| Current ratio | 2.01x | 3.24x | |
| Interest cover | -0.27x | -0.28x |
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
- Consolidated group
- Auditor
- PKF Littlejohn LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“Whilst the group continues to monitor the operational impacts of the increased cost of living and wider uncertainties in respect of the UK economy, the Board are satisfied there are no significant operational issues as a direct result of the ongoing situation, which is supported by the result delivered during 2024 and 2025 year-to-date figures being ahead of target.”
Group structure
- LLOYD & WHYTE GROUP LIMITED · parent
- Lloyd & Whyte Limited 100%
- Lloyd and Whyte (Financial Services) Limited 100%
- The Medical Insurance Advisory Bureau Limited 100%
- Specialist Broking Retail Limited 100%
- Stride Limited 100%
- Lloyd & Whyte Community Broking Limited 100%
- Membership Plans Limited 100%
- Mi Specialty Ltd 100%
- Naturesave Policies Limited 100%
- SEIB Insurance Brokers Limited 100%
- Boshers Limited 100%
- Clearbroking Limited 100%
- Cleddau Holdings Limited 100%
- Cleddau Insurance Services Limited 100%
Significant events
- “A small number of strategic acquisitions were made during 2024.”
- “The increase in pre-tax profit was driven by the sale of the book of business of Lloyd and Whyte (Financial Services) to Chase De Vere in April 2024.”
- “The key change in the balance sheet in 2024 is the increase in creditors due after more than one year to £91,307,996 (2023 - £86,327,443), in part due to draw downs against the master facility to fund acquisitions.”
- “On 1 April 2024, Lloyd & Whyte Group Limited acquired 100% of the ordinary share capital of Boshers Limited.”
- “On 1 December 2024, Lloyd & Whyte Group Limited acquired 100% of the ordinary share capital of Clearbroking Limited.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
6 active · 15 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| HALL, Rachael Jane | Secretary | 2025-04-24 | — | — |
| ASTLEY, Stephen | Director | 2014-03-07 | Nov 1959 | British |
| MILLER, Alasdair Gordon | Director | 2008-10-01 | Jan 1954 | British |
| MOORE, David Robert | Director | 2019-09-30 | Feb 1966 | British |
| PYKE, Matthew Mervyn | Director | 1999-01-01 | Aug 1970 | British |
| WILLIAMS, Thomas John | Director | 2015-01-01 | Jul 1955 | British |
Show 15 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| ASTLEY, Stephen | Secretary | 2008-05-13 | 2025-04-24 |
| HARRIS, David Charles | Secretary | 1998-01-01 | 2003-05-08 |
| JONES, Philip | Secretary | 2003-05-09 | 2006-03-29 |
| JONES, Philip | Secretary | — | 1998-01-01 |
| MILLER, Alasdair Gordon | Secretary | 2006-03-29 | 2008-05-13 |
| ALWAY, Alexander Douglas | Director | 2007-02-28 | 2008-10-01 |
| HARRIS, David Charles | Director | 1999-01-01 | 2002-01-01 |
| HAYMAN, Elaine | Director | 1999-01-01 | 2002-01-01 |
| HEWITT, Michael William | Director | — | 1996-10-01 |
| JONES, Philip | Director | — | 1996-10-01 |
| NATION, Martin Crispin Richard | Director | 1997-01-01 | 2006-05-01 |
| PYKE, Elaine Victoria | Director | 1997-01-01 | 1998-07-01 |
| PYKE, Mervyn Arthur | Director | — | 2014-03-07 |
| SHORT, Charles Duncan | Director | — | 2002-11-01 |
| WHYTE, Thomas Robert Norman | Director | — | 1992-12-30 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Benefact Broking & Advisory Holdings Ltd | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2023-01-03 | Active |
| Ecclesiastical Insurance Group Plc | Corporate entity | Shares 25–50% | 2021-03-02 | Ceased 2023-01-03 |
| Mr Matthew Mervyn Pyke | Individual | Shares 25–50% | 2016-12-31 | Ceased 2025-07-17 |
Filing timeline
Last 20 of 196 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-04-09 | CH01 | officers | Change person director company with change date | |
| 2026-02-13 | CH01 | officers | Change person director company with change date | |
| 2026-01-09 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2026-01-07 | CH01 | officers | Change person director company with change date | |
| 2025-09-18 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2025-08-14 | AA | accounts | Accounts with accounts type group | |
| 2025-07-25 | PSC05 | persons-with-significant-control | Change to a person with significant control | |
| 2025-07-25 | PSC07 | persons-with-significant-control | Cessation of a person with significant control | |
| 2025-05-08 | AP03 | officers | Appoint person secretary company with name date | |
| 2025-05-08 | TM02 | officers | Termination secretary company with name termination date | |
| 2025-01-14 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2024-09-05 | PSC04 | persons-with-significant-control | Change to a person with significant control | |
| 2024-09-05 | PSC05 | persons-with-significant-control | Change to a person with significant control | |
| 2024-06-04 | AA | accounts | Accounts with accounts type group | |
| 2024-04-02 | RP04CS01 | confirmation-statement | Second filing of confirmation statement with made up date | |
| 2024-01-02 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2023-07-17 | AA | accounts | Accounts with accounts type group | |
| 2023-01-25 | PSC02 | persons-with-significant-control | Notification of a person with significant control | |
| 2023-01-25 | PSC07 | persons-with-significant-control | Cessation of a person with significant control | |
| 2023-01-05 | CS01 | confirmation-statement | Confirmation statement with no updates |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 10
- 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 2024-12-31 vs 2023-12-31
-
Turnover
+5.9%
£47,933,116 £50,785,077
-
Cash
-11.5%
£5,413,505 £4,789,112
-
Net assets
-47.6%
-£8,850,140 -£13,062,152
-
Employees
-0.3%
575 573
-
Operating profit
-7.4%
-£1,893,973 -£2,033,221
-
Profit before tax
+120.4%
-£4,661,073 £951,201
-
Wages
+5.5%
£24,105,472 £25,435,382
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