RESPONSIBLE LIFE LIMITED
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Next accounts due
2026-09-30 (in 4mo)
Last filed for 2024-12-31
Confirmation statement due
2027-03-07 (in 10mo)
Last made up 2026-02-21
Watchouts
None on the register
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
Net assets
3-year trend · vs Financials median
Accounts
3-year trend · latest reflected 2021-12-31
Latest accounts filed cover 2024-12-31; financial figures currently reflect up to 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 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 | 2019-12-31 | 2020-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Operating margin | — | -7.7% | 0.6% | |
| Net margin | — | -7.2% | -0.2% | |
| Return on capital employed | — | -77.5% | 2.7% | |
| Interest cover | — | -7.05x | 0.65x |
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
- 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 and subsidiary information is drawn from the narrative of the latest annual accounts. 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
Material constitutional events — rename, articles re-file, resolution
- 2026-04-07 RESOLUTIONS Resolution
- 2025-12-23 RESOLUTIONS Resolution
- 2025-10-09 RESOLUTIONS Resolution
- 2025-08-06 RESOLUTIONS Resolution
- 2025-04-15 RESOLUTIONS Resolution
- 2025-03-12 RESOLUTIONS Resolution
| 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 |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 15
- Capital events
- 5
- 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
FY2020 → FY2021 · period ending 2021-12-31 vs 2020-12-31
-
Turnover
+29.4%
£12,257,354 £15,864,374
-
Cash
+299.5%
£889,459 £3,553,073
-
Net assets
+760.7%
-£353,285 £2,334,279
-
Employees
—
Not reported
-
Operating profit
+109.5%
-£948,940 £90,334
-
Profit before tax
+97%
-£1,083,500 -£32,001
-
Wages
+48.3%
£1,743,151 £2,584,714
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