UK Companies House feature
CLUB INSURE LIMITED
Cash
£5M
+16.1% vs 2023
Net assets
£5M
+19.4% vs 2023
Employees
47
-14.5% vs 2023
Profit before tax
£1M
-45.8% vs 2023
Profile
- Company number
- 03535054
- Status
- Active
- Incorporation
- 1998-03-25
- Last accounts made up
- 2024-12-31
- Account category
- FULL
- Primary SIC
- 66220
- Hubs
- UK Fintech
Net assets
5-year trend · vs UK Fintech median
Accounts
5-year trend · latest 2023-12-31
| Metric | Trend | 2020-04-30 | 2021-04-30 | 2022-04-30 | 2023-04-30 | 2023-12-31 |
|---|---|---|---|---|---|---|
| Turnover | — | — | — | — | — | |
| Operating profit | — | — | — | — | — | |
| Profit before tax | — | — | — | £2,652,628 | £1,436,988 | |
| Net profit | — | £1,549,341 | — | £1,949,188 | £1,387,012 | |
| Cash | — | £3,117,046 | — | £4,343,466 | £5,044,833 | |
| Total assets less current liabilities | — | £2,224,709 | — | £4,100,688 | £4,872,163 | |
| Net assets | — | £2,220,494 | — | £4,051,988 | £4,837,382 | |
| Equity | £1,499,968 | £2,220,494 | — | £4,051,988 | £4,837,382 | |
| Average employees | — | 50 | — | 55 | 47 | |
| Wages | — | — | — | £1,767,711 | £1,263,947 |
Values shown as filed in iXBRL accounts. — indicates the figure was not present in the extracted filing (either not filed under that concept or absent from the period). About these numbers
Audit & accounting basis
From AI-extracted PDF accounts
- Accounting basis
- FRS 102 §1A
- Reporting scope
- Standalone (parent only)
- Abridged
- Yes — abridged accounts (limited disclosure)
- Auditor
- Saffery LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“In auditing the financial statements, we have concluded that the directors' use of the going concern basis of accounting in the preparation of the financial statements is appropriate. 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.”
Significant events
- “SN Gough (resigned 6 June 2024)”
Auditor / going-concern / subsidiary information is extracted from the PDF version of the latest annual accounts and is not tagged in iXBRL. About these numbers
People
8 active · 11 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| BREE, Michelle | Director | 2025-10-17 | Jun 1986 | Irish |
| COUSINS, David Michael Edwin | Director | 2025-10-17 | Jan 1973 | British |
| HARRIS, Nicholas George Robert | Director | 2025-11-21 | May 1974 | British |
| MABB, Simon Thomas William | Director | 2013-03-01 | Apr 1976 | British |
| REA, Michael Peter | Director | 2025-11-12 | Feb 1966 | British |
| ROMERO TRIGO, Victoria Anne | Director | 2001-01-02 | Sep 1979 | Spanish |
| ROMERO-TRIGO, Justin Carlos Jose | Director | 1998-03-25 | Feb 1970 | English |
| WHITTINGHAM, James Oliver | Director | 2025-11-24 | Aug 1977 | British |
Show 11 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| DAWSON, Joanne | Secretary | 1999-04-30 | 2000-03-20 |
| KENWORTHY, Katrina Jayne | Secretary | 1998-03-25 | 1999-04-30 |
| ROMERO TRIGO, Victoria Anne | Secretary | 2000-03-20 | 2025-11-06 |
| WATERLOW SECRETARIES LIMITED | Corporate Nominee Secretary | 1998-03-25 | 1998-03-25 |
| ABEL, Roy John | Director | 2008-08-01 | 2010-06-30 |
| EGAN, Stephen | Director | 1998-03-25 | 2000-09-14 |
| GOUGH, Sean Nigel | Director | 2023-12-01 | 2024-06-06 |
| HEATHFIELD, David James | Director | 2023-12-01 | 2025-10-31 |
| KENWORTHY, Katrina Jayne | Director | 1998-03-25 | 1999-04-30 |
| QUILTER, Stuart James | Director | 2023-12-01 | 2026-04-30 |
| WATERLOW NOMINEES LIMITED | Corporate Nominee Director | 1998-03-25 | 1998-03-25 |
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 | 2023-12-01 | Active |
| Mr Justin Carlos Jose Romero-Trigo | Individual | Shares 50–75%, Voting 50–75% | 2016-04-06 | Ceased 2023-12-01 |
Filing timeline
Last 20 of 152 total filings
| Date | Type | Category | Description |
|---|---|---|---|
| 2026-05-01 | TM01 | officers | termination director company with name termination date |
| 2026-04-27 | AD02 | address | change sail address company with old address new address |
| 2026-04-24 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2026-03-26 | CC04 | change-of-constitution | statement of companys objects |
| 2026-03-11 | RESOLUTIONS | resolution | resolution |
| 2026-03-11 | MA | incorporation | memorandum articles |
| 2026-01-23 | CH01 | officers | change person director company with change date |
| 2025-11-28 | AP01 | officers | appoint person director company with name date |
| 2025-11-27 | AP01 | officers | appoint person director company with name date |
| 2025-11-13 | TM02 | officers | termination secretary company with name termination date |
| 2025-11-13 | AP01 | officers | appoint person director company with name date |
| 2025-10-31 | TM01 | officers | termination director company with name termination date |
| 2025-10-17 | AP01 | officers | appoint person director company with name date |
| 2025-10-17 | AP01 | officers | appoint person director company with name date |
| 2025-09-30 | AA | accounts | accounts with accounts type full |
| 2025-04-15 | AD03 | address | move registers to sail company with new address |
| 2025-04-14 | CS01 | confirmation-statement | confirmation statement with updates |
| 2025-04-14 | AD02 | address | change sail address company with new address |
| 2024-09-29 | AA | accounts | accounts with accounts type full |
| 2024-07-31 | SH02 | capital | capital alter shares subdivision |
Credit score
Altman Z″ (private-firm) · reference 2023-12-31
5.96
SAFE
Altman Z″
- Working capital / Total assets 0.536 × 6.56 = +3.52
- Retained earnings / Total assets 0.000 × 3.26 = +0.00
- EBIT / Total assets 0.159 × 6.72 = +1.07
- Book equity / Total liabilities 1.308 × 1.05 = +1.37
Bands: > 2.6 safe · 1.1–2.6 grey · < 1.1 distress. Z″ is a public-formula baseline, not a substitute for adverse-data signals (CCJs, charges, gazette notices) — those land in a later pass.
Activity Score
Filings velocity, capital events, officer churn, accounts trajectory