LV PROTECTION 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
£5M
+2.3% vs 2023
Employees
—
Average over period
Profit before tax
£132K
-50.4% vs 2023
Name history
Renamed 3 times since incorporation
- LV PROTECTION LIMITED 2012-03-16 → present
- MEMBERSHIP SERVICES DIRECT LIMITED 1992-10-20 → 2012-03-16
- BISHOPSCOURT FINANCIAL SERVICES LIMITED 1984-07-17 → 1992-10-20
- BEAGLESHIELD LIMITED 1984-03-12 → 1984-07-17
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 |
|---|---|---|---|
| Gross written premiums | — | — | |
| Net earned premiums | £110,725 | £103,953 | |
| Claims incurred | £62,726 | £120,428 | |
| Investment return | £210,738 | £240,039 | |
| Profit before tax | £267,204 | £132,444 | |
| Net profit | £200,403 | £103,286 | |
| Insurance contract liabilities | £627,484 | £610,754 | |
| Total assets | £5,426,196 | £5,440,497 | |
| Total liabilities | £5,426,196 | £5,440,497 | |
| Equity | £4,521,220 | £4,624,506 | |
| 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) | 16.7% | 15.0% |
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 FRS 103
- 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
- “Capital restructuring in 2025 involving conversion and cancellation of capital reserve and B class shares to facilitate future dividend payments.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
4 active · 42 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 42 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| CASSIDY, Paul Bernard | Secretary | 2007-08-24 | 2013-01-01 |
| HASLER, Brian Edward | Secretary | — | 1991-11-14 |
| JERRARD, Vincent John | Secretary | 2004-02-02 | 2007-08-24 |
| JONES, Michael Peter | Secretary | 2018-09-19 | 2024-11-04 |
| LAKIN, Helen Mary | Secretary | 2000-06-01 | 2001-06-22 |
| NICHOLLS, David William | Secretary | 2002-10-01 | 2004-02-02 |
| NIXON, Raymond | Secretary | 1994-12-08 | 2000-05-31 |
| PETERS, Colin Anthony | Secretary | 2002-01-25 | 2002-10-01 |
| SMALL, Rachel Susan | Secretary | 2013-01-01 | 2018-09-03 |
| WACEY, Christopher John | Secretary | 1991-11-14 | 1993-06-15 |
| WRIGHT, Graham Marvel | Secretary | 2001-06-22 | 2002-01-25 |
| BISHOPSCOURT FINANCIAL SERVICES LTD | Corporate Secretary | 1993-06-15 | 1994-12-08 |
| ABERCROMBY, Keith William | Director | 2007-08-17 | 2010-11-09 |
| BERRYMAN, Malcolm Leonard | Director | 2002-01-25 | 2002-07-25 |
| BILLING, Michael Julian | Director | 1997-07-11 | 2002-01-25 |
| CASSIDY, Paul Bernard | Director | 2007-08-24 | 2012-03-23 |
| CLIFFORD, Robert Martin | Director | 2000-03-31 | 2000-05-05 |
| CLIFFORD, Robert Martin | Director | 1997-05-01 | 2000-03-31 |
| CUDMORE, Barry | Director | 2022-04-01 | 2023-05-25 |
| CULLEN, Robin Neville | Director | 1992-02-03 | 1995-12-31 |
| CULLEN, Robin Neville | Director | — | 1991-11-14 |
| EAGLES, Michael David | Director | — | 1991-11-14 |
| GRANGER, Bruce Dominique | Director | 1996-08-27 | 2002-01-25 |
| HANSCOMB, Mark Russell | Director | 2022-04-01 | 2025-12-31 |
| HARTIGAN, Mark Patrick | Director | 2020-06-15 | 2022-09-30 |
| HAYNES, Stephen Robert | Director | 2012-03-23 | 2017-12-31 |
| JERRARD, Vincent John | Director | 2006-04-03 | 2007-08-24 |
| MOORE, Philip Wynford | Director | 2010-11-09 | 2017-06-29 |
| NICHOLLS, David William | Director | 2002-07-25 | 2006-03-31 |
| PARSONS, Andrew Mark | Director | 2017-06-30 | 2019-11-30 |
| PERKS, John Trevor | Director | 2017-07-01 | 2019-02-25 |
| RIX, Myles Ian | Director | 2016-03-24 | 2017-06-30 |
| ROGERS, Michael John | Director | 2012-03-23 | 2016-07-28 |
| ROWNEY, Richard Alexander | Director | 2019-05-10 | 2019-12-31 |
| ROWNEY, Richard Alexander | Director | 2012-03-23 | 2018-07-01 |
| RUTHERFORD, Michael William | Director | — | 2006-12-14 |
| SNOW, Anthony Wayne | Director | 2018-07-01 | 2021-09-16 |
| SPRAGG, Roy John | Director | 2002-01-25 | 2007-08-17 |
| WACEY, Christopher John | Director | — | 2002-07-25 |
| WALKER, Christopher | Director | 2020-11-23 | 2022-01-14 |
| WILLIAMS, Stephen Martin | Director | — | 2002-01-25 |
| WRIGHT, Graham Marvel | Director | 1996-08-19 | 2002-01-25 |
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 258 total filings
Material constitutional events — rename, articles re-file, resolution
- 2025-05-27 RESOLUTIONS Resolution
- 2025-05-16 RESOLUTIONS Resolution
- 2025-04-30 RESOLUTIONS Resolution
- 2025-04-02 RESOLUTIONS Resolution
| 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 updates | |
| 2025-07-17 | AA | accounts | Accounts with accounts type full | |
| 2025-05-27 | SH19 | capital | Capital statement capital company with date currency figure | |
| 2025-05-27 | SH20 | capital | Legacy | |
| 2025-05-27 | CAP-SS | insolvency | Legacy | |
| 2025-05-27 | RESOLUTIONS | resolution | Resolution | |
| 2025-05-16 | RESOLUTIONS | resolution | Resolution | |
| 2025-05-14 | SH01 | capital | Capital allotment shares | |
| 2025-04-30 | SH19 | capital | Capital statement capital company with date currency figure | |
| 2025-04-30 | SH20 | capital | Legacy | |
| 2025-04-30 | CAP-SS | insolvency | Legacy | |
| 2025-04-30 | RESOLUTIONS | resolution | Resolution | |
| 2025-04-02 | RESOLUTIONS | resolution | Resolution | |
| 2025-04-02 | SH01 | capital | Capital allotment shares | |
| 2024-11-13 | AP03 | officers | Appoint person secretary company with name date | |
| 2024-11-13 | TM02 | officers | Termination secretary company with name termination date | |
| 2024-08-28 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2024-07-08 | AA | accounts | Accounts with accounts type full |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 10
- Capital events
- 6
- 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
—
Not reported
-
Net earned premiums
-6.1%
£110,725 £103,953
-
Profit before tax
-50.4%
£267,204 £132,444
-
Equity
+2.3%
£4,521,220 £4,624,506
-
Claims incurred
+92%
£62,726 £120,428
-
Insurance contract liabilities
-2.7%
£627,484 £610,754
-
Investment return
+13.9%
£210,738 £240,039
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