UK Companies House feature
RESPONSIBLE LIFE LIMITED
Cash
£4M
+299.5% vs 2020
Net assets
£2M
+760.7% vs 2020
Employees
0
Average over period
Profit before tax
-£32K
+97% vs 2020
Profile
- Company number
- 07162252
- Status
- Active
- Incorporation
- 2010-02-18
- Last accounts made up
- 2024-12-31
- Account category
- FULL
- Primary SIC
- 66190
- Hubs
- UK Fintech
Net assets
3-year trend · vs UK Fintech median
Accounts
3-year trend · latest 2021-12-31
| Metric | Trend | 2019-12-31 | 2020-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Turnover | — | £12,257,354 | £15,864,374 | |
| Operating profit | — | -£948,940 | £90,334 | |
| Profit before tax | — | -£1,083,500 | -£32,001 | |
| Net profit | — | -£887,555 | -£37,436 | |
| Cash | — | £889,459 | £3,553,073 | |
| Total assets less current liabilities | — | £1,224,777 | £3,338,010 | |
| Net assets | — | -£353,285 | £2,334,279 | |
| Equity | £534,270 | -£353,285 | £2,334,279 | |
| Average employees | — | — | 0 | |
| Wages | — | £1,743,151 | £2,584,714 |
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
- Reporting scope
- Standalone (parent only)
- Auditor
- KPMG LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The Company was loss making. The ultimate parent RLMIS will provide financial support. Directors acknowledge no certainty but have no reason to believe support will not continue. Therefore, directors adopted the going concern basis.”
Significant events
- “On 31 January 2024, the Company became a wholly owned subsidiary of The Royal London Mutual Insurance Society Limited (RLMIS), following the acquisition of the remaining 60% of share capital not already owned by it.”
- “During 2024, the Company rebranded and began to operate fully under the Royal London brand. The trademark intangible asset was written down to nil value in financial statements for 2024, realising a charge of £576,000.”
- “The FCA supervisory engagement ended in April 2024.”
- “On 5 March 2025, the Company issued 1,000,000 redeemable preference shares of £1 each to its sole shareholder, RLMIS.”
- “On 7 April 2025, the Company issued a further 900,000 redeemable preference shares of £1 each to RLMIS.”
- “On 16 June 2025, the Company issued a further 800,000 redeemable preference shares of £1 each to RLMIS.”
- “On 31 January 2024, the Company cancelled and extinguished the deferred shares in issue.”
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
5 active · 11 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| ROYAL LONDON MANAGEMENT SERVICES LIMITED | Corporate Secretary | 2024-01-31 | — | — |
| HAMPTON, Benjamin John William | Director | 2025-02-01 | Mar 1985 | British |
| HICKMAN, Bernard Leigh | Director | 2026-03-09 | Jun 1975 | British |
| MCKINNEY, Richard | Director | 2024-12-03 | Jan 1975 | British |
| WILLIAMS, Ian | Director | 2024-12-03 | Dec 1974 | British |
Show 11 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| STARKEY, Paul | Secretary | 2010-02-18 | 2024-01-31 |
| ABBOTT, Noel | Director | 2020-09-02 | 2024-12-01 |
| HOOD, Carlton James | Director | 2020-09-02 | 2025-03-06 |
| LOGAN, Susan Esther Helen | Director | 2021-09-14 | 2022-09-20 |
| SAMSI, Ritwik Gurunandan | Director | 2022-09-20 | 2025-02-01 |
| SCOTT, Julie Frances | Director | 2021-09-14 | 2021-12-14 |
| STARKEY, Milagros Lourdes | Director | 2013-08-01 | 2013-12-02 |
| STARKEY, Paul Edward | Director | 2010-02-18 | 2024-01-31 |
| UNGLESS, Joanne Clare | Director | 2021-12-14 | 2026-01-15 |
| WATERLOW, Timothy Paul | Director | 2020-09-02 | 2023-10-01 |
| WILKIE, Steven Thomas | Director | 2010-02-18 | 2024-01-31 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| The Royal London Mutual Insurance Society Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2021-07-01 | Active |
| Paul Edward Starkey | Individual | Shares 25–50%, Voting 25–50% | 2016-04-06 | Ceased 2024-01-31 |
| Steven Thomas Wilkie | Individual | Shares 25–50%, Voting 25–50% | 2016-04-06 | Ceased 2024-01-31 |
Filing timeline
Last 20 of 146 total filings
| Date | Type | Category | Description |
|---|---|---|---|
| 2026-04-07 | RP01SH01 | miscellaneous | legacy |
| 2026-04-07 | RP01SH01 | miscellaneous | legacy |
| 2026-04-07 | RP01SH01 | miscellaneous | legacy |
| 2026-04-07 | RESOLUTIONS | resolution | resolution |
| 2026-03-18 | SH01 | capital | capital allotment shares |
| 2026-03-12 | AP01 | officers | appoint person director company with name date |
| 2026-02-25 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2026-02-03 | TM01 | officers | termination director company with name termination date |
| 2025-12-23 | RESOLUTIONS | resolution | resolution |
| 2025-12-17 | SH01 | capital | capital allotment shares |
| 2025-10-09 | RESOLUTIONS | resolution | resolution |
| 2025-10-08 | SH01 | capital | capital allotment shares |
| 2025-08-06 | AA | accounts | accounts with accounts type full |
| 2025-08-06 | RESOLUTIONS | resolution | resolution |
| 2025-07-04 | SH01 | capital | capital allotment shares |
| 2025-04-15 | RESOLUTIONS | resolution | resolution |
| 2025-04-09 | SH01 | capital | capital allotment shares |
| 2025-03-13 | AP01 | officers | appoint person director company with name date |
| 2025-03-12 | RESOLUTIONS | resolution | resolution |
| 2025-03-11 | TM01 | officers | termination director company with name termination date |
Credit score
Altman Z″ (private-firm) · reference 2021-12-31
2.60
SAFE
Altman Z″
- Working capital / Total assets 0.312 × 6.56 = +2.05
- Retained earnings / Total assets 0.000 × 3.26 = +0.00
- EBIT / Total assets 0.012 × 6.72 = +0.08
- Book equity / Total liabilities 0.451 × 1.05 = +0.47
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